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Banco de Credito del PeruLIM:CREDITC1 37 EV-to-FCF is 27.99 as of Aug. 28, 2026, which is 257% above its 10-year median of 7.83. 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. Among 1,179 Banks companies, Banco de Credito del Peru ranks worse than 89.91% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Banco de Credito del Peru's Enterprise Value is S/.70,670 Mil.
Banco de Credito del Peru's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was S/.2,525 Mil. Therefore, Banco de Credito del Peru's EV-to-FCF for today is 27.99.
The historical rank and industry rank for Banco de Credito del Peru's EV-to-FCF or its related term are showing as below:
LIM:CREDITC1'
s EV-to-FCF Range Over the Past 10 Years
Min: -78.82 Med: 7.83 Max: 55.61
Current: 27.73
During the past 13 years, the highest EV-to-FCF of Banco de Credito del Peru was 55.61. The lowest was -78.82. And the median was 7.83.
LIM:CREDITC1's EV-to-FCF is ranked worse than 89.91% of 1179
companies
in the Banks industry
Industry Median: 7.05
vs LIM:CREDITC1: 27.73
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Banco de Credito del Peru (LIM:CREDITC1) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Banco de Credito del Peru's PE Ratio (TTM) for today is calculated as:
Banco de Credito del Peru's share price for today is S/.7.24.
Banco de Credito del Peru's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was S/.0.498.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Banco de Credito del Peru EV-to-FCF Related Terms
Banco de Credito del Peru EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, Banco de Credito del Peru's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Banco de Credito del Peru's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Banco de Credito del Peru's EV-to-FCF falls into.
Banco de Credito del Peru's current Enterprise Value is S/.70,670 Mil.
Banco de Credito del Peru's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was S/.2,525 Mil.
* 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 (LIM:CREDITC1) has a EV-to-FCF of 27.99 as of Aug. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banco de Credito del Peru and its competitors. This is 257% above median its historical median of 7.83. According to the industry distribution chart, Banco de Credito del Peru ranks #1060 out of 1179 companies in the Banks industry, placing it in the top 89.9%.
Is Banco de Credito del Peru's EV-to-FCF too high?
Banco de Credito del Peru's current EV-to-FCF of 27.99 is 257% above median its 10-year median of 7.83. The Banks industry median EV-to-FCF is 7.05. Banco de Credito del Peru's value of 27.99 is 297% above this industry median. Based on the distribution chart, Banco de Credito del Peru ranks #1060 out of 1179 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Banco de Credito del Peru ranks #1060 out of 1179 companies for EV-to-FCF. This places Banco de Credito del Peru in the lower half of its industry. The industry median EV-to-FCF is 7.05. Banco de Credito del Peru's value of 27.99 is 297% above this benchmark. While the company's 10-year median is 7.83 vs. the industry median of 7.05, Banco de Credito del Peru has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.05, based on 1,179 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco de Credito del Peru's current EV-to-FCF of 27.99 is 297% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banco de Credito del Peru and its competitors. For the Banks industry, the median EV-to-FCF is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco de Credito del Peru's current EV-to-FCF is 27.99, which is 257% above median its own 10-year median of 7.83. 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 EV-to-FCF is 27.99, which is 257% above median its 10-year median of 7.83 and 297% above the Banks industry median of 7.05. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Banco de Credito del Peru (LIM:CREDITC1), the current EV-to-FCF is 27.99 as of Aug. 28, 2026. 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:
EV-to-FCF: 27.99 (257% above median its 10-year median of 7.83)
GF Value™: S/.4.04 vs. price of S/.7.24 (79.2% above fair value)
Industry Position: 297% above the Banks median (#1060 of 1179)
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 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
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