Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Banco de Credito del PeruLIM:CREDITC1 37 Net Margin % is 33.16% as of Dec. 2025, which is 14% above its 10-year median of 29.01. 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 1,523 Banks companies, Banco de Credito del Peru ranks better than 72.03% on this metric.
Banco de Credito del Peru (LIM:CREDITC1) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Banco de Credito del Peru Net Margin % Related Terms
Banco de Credito del Peru Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco de Credito del Peru's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco de Credito del Peru's Net Margin % falls into.
* 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 Net Margin % of 33.16% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banco de Credito del Peru and its competitors. This is 14% above median its historical median of 29.01. Over the past decade, Banco de Credito del Peru's Net Margin % has ranged from 7.35 to 34.04. According to the industry distribution chart, Banco de Credito del Peru ranks #426 out of 1523 companies in the Banks industry, placing it in the top 28%.
Is Banco de Credito del Peru's Net Margin % too high?
Banco de Credito del Peru's current Net Margin % of 33.16% is 14% above median its 10-year median of 29.01. Over the past 10 years, this metric has ranged from a low of 7.35 to a high of 34.04. The Banks industry median Net Margin % is 27.34. Banco de Credito del Peru's value of 33.16% is 21.3% above this industry median. Based on the distribution chart, Banco de Credito del Peru ranks #426 out of 1523 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco de Credito del Peru ranks #426 out of 1523 companies for Net Margin %. This puts Banco de Credito del Peru in the upper half of its industry. The industry median Net Margin % is 27.34. Banco de Credito del Peru's value of 33.16% is 21.3% above this benchmark. Historically, Banco de Credito del Peru's own Net Margin % has ranged from 7.35 to 34.04 over the past decade. While the company's 10-year median is 29.01 vs. the industry median of 27.34, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.34, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco de Credito del Peru's current Net Margin % of 33.16% is 21.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Banco de Credito del Peru and its competitors. For the Banks industry, the median Net Margin % is 27.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco de Credito del Peru's current Net Margin % is 33.16%, which is 14% above median its own 10-year median of 29.01. 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 Net Margin % is 33.16%, which is 14% above median its 10-year median of 29.01 and 21.3% above the Banks industry median of 27.34. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Banco de Credito del Peru (LIM:CREDITC1), the current Net Margin % is 33.16% 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:
Net Margin %: 33.16% (14% above median its 10-year median of 29.01)
GF Value™: S/.4.04 vs. price of S/.7.24 (79.2% above fair value)
Industry Position: 21.3% above the Banks median (#426 of 1523)
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
Get the complete analysis for LIM:CREDITC1
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LIM:CREDITC1 has been successfully added to your 
