Banco de Credito del Peru (LIM:CREDITC1) E10: S/.0.33 (As of Dec. 2025)

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LIM:CREDITC1 Banco de Credito del Peru LIM:CREDITC1
37 GF Score
Price S/.7.24
GF Value S/.4.04
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Banco de Credito del Peru E10?

Banco de Credito del Peru LIM:CREDITC1 37 E10 is S/.0.33 as of Dec. 2025. GuruFocus rates LIM:CREDITC1 with a GF Score™ of 37/100 and a GF Value™ of S/.4.04 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Banco de Credito del Peru's adjusted earnings per share data for the three months ended in Dec. 2025 was S/.0.122. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is S/.0.33 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Banco de Credito del Peru's average E10 Growth Rate was 10.00% per year. During the past 3 years, the average E10 Growth Rate was 9.70% per year. During the past 5 years, the average E10 Growth Rate was 10.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Banco de Credito del Peru was 11.90% per year. The lowest was 9.70% per year. And the median was 10.90% per year.

As of today (2026-08-28), Banco de Credito del Peru's current stock price is S/.7.24. Banco de Credito del Peru's E10 for the quarter that ended in Dec. 2025 was S/.0.33. Banco de Credito del Peru's Shiller PE Ratio of today is 21.94.

During the past 13 years, the highest Shiller PE Ratio of Banco de Credito del Peru was 21.93. The lowest was 8.04. And the median was 11.88.


Banco de Credito del Peru  (LIM:CREDITC1) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Banco de Credito del Peru's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.24/0.33
=21.94

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Banco de Credito del Peru was 21.93. The lowest was 8.04. And the median was 11.88.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Banco de Credito del Peru E10 Related Terms


Banco de Credito del Peru E10 Historical Data

* Premium members only.

The historical data trend for Banco de Credito del Peru's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco de Credito del Peru E10 Chart

Banco de Credito del Peru Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.22 0.25 0.28 0.30 0.33

Banco de Credito del Peru Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.30 0.31 0.32 0.32 0.33

LIM:CREDITC1 vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banco de Credito del Peru's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Banco de Credito del Peru Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banco de Credito del Peru's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Banco de Credito del Peru's Shiller PE Ratio falls into.


LIM:CREDITC1
37GF Score
Banco de Credito del Peru LIM:CREDITC1
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco de Credito del Peru E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Banco de Credito del Peru's adjusted earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.122/324.0540*324.0540
=0.122

Current CPI (Dec. 2025) = 324.0540.

Banco de Credito del Peru Quarterly Data

per share eps CPI Adj_EPS
201603 0.055 238.132 0.075
201606 0.056 241.018 0.075
201609 0.066 241.428 0.089
201612 0.038 241.432 0.051
201703 0.055 243.801 0.073
201706 0.058 244.955 0.077
201709 0.064 246.819 0.084
201712 0.058 246.524 0.076
201803 0.067 249.554 0.087
201806 0.063 251.989 0.081
201809 0.038 252.439 0.049
201812 0.064 251.233 0.083
201903 0.072 254.202 0.092
201906 0.073 256.143 0.092
201909 0.074 256.759 0.093
201912 0.061 256.974 0.077
202003 0.050 258.115 0.063
202006 0.007 257.797 0.009
202009 0.003 260.280 0.004
202012 0.003 260.474 0.004
202103 0.035 264.877 0.043
202106 0.054 271.696 0.064
202109 0.065 274.310 0.077
202112 0.080 278.802 0.093
202203 0.086 287.504 0.097
202206 0.078 296.311 0.085
202209 0.099 296.808 0.108
202212 0.082 296.797 0.090
202303 0.102 301.836 0.110
202306 0.094 305.109 0.100
202309 0.087 307.789 0.092
202312 0.070 306.746 0.074
202403 0.098 312.332 0.102
202406 0.098 314.175 0.101
202409 0.116 315.301 0.119
202412 0.090 315.605 0.092
202503 0.121 319.799 0.123
202506 0.132 322.561 0.133
202509 0.123 324.800 0.123
202512 0.122 324.054 0.122

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of S/.0.33 mean?
Banco de Credito del Peru (LIM:CREDITC1) has a E10 of S/.0.33 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banco de Credito del Peru and its competitors.
Is Banco de Credito del Peru's E10 too high?
Banco de Credito del Peru's current E10 is S/.0.33. Overall, Banco de Credito del Peru has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco de Credito del Peru's E10 compare to PNC and USB?
Banco de Credito del Peru's E10 of S/.0.33 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banco de Credito del Peru and its competitors. Banco de Credito del Peru's current E10 is S/.0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de Credito del Peru stock overvalued right now?
Based on GuruFocus' analysis, Banco de Credito del Peru (LIM:CREDITC1) is currently considered Significantly Overvalued. The stock's GF Value™ is S/.4.04, compared to a current price of S/.7.24 — trading 79.2% above its estimated fair value. The current E10 is S/.0.33. Banco de Credito del Peru's overall GF Score™ is 37/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Banco de Credito del Peru (LIM:CREDITC1), the current E10 is S/.0.33 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banco de Credito del Peru (LIM:CREDITC1) Overvalued in 2026?

Based on GuruFocus' analysis, Banco de Credito del Peru stock appears to be overvalued. The current stock price of S/.7.24 is trading 79.2% above its estimated GF Value™ of S/.4.04. GuruFocus considers Banco de Credito del Peru to be Significantly Overvalued.

Key valuation signals for LIM:CREDITC1:

  • E10: S/.0.33
  • GF Value™: S/.4.04 vs. price of S/.7.24 (79.2% above fair value)
  • GF Score™: 37/100 with 7 warning signs

No single metric tells the full story. See the LIM:CREDITC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco de Credito del Peru Business Description

Address 156 Centenario Avenue, La Molina, Lima, PER, 12
Banco de Credito del Peru operates as a Bank. The company's business lines include Personal Banking: Consumer Banking, Exclusive Banking, Enalta; Private Banking; SME Banking: Business Banking, SME Banking Large Company and Corporate Banking; Digital Banking: Yape & iO. It's service channel includes BCP agents, ATM Branches, Internet banking, WhatsApp and Voicebot, Digital platforms, and Telecredito.
37GF Score

Get the complete analysis for LIM:CREDITC1

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S/.7.24
Price
S/.4.04
GF Value