Banco de Credito del Peru (LIM:CREDITC1) Scaled Net Operating Assets: 0.02 (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
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What is Banco de Credito del Peru Scaled Net Operating Assets?

Banco de Credito del Peru LIM:CREDITC1 37 Scaled Net Operating Assets is 0.02 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banco de Credito del Peru's operating assets for the quarter that ended in Dec. 2025 was S/.173,326 Mil. Banco de Credito del Peru's operating liabilities for the quarter that ended in Dec. 2025 was S/.169,225 Mil. Banco de Credito del Peru's Total Assets for the quarter that ended in Sep. 2025 was S/.207,615 Mil. Therefore, Banco de Credito del Peru's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.02.

LIM:CREDITC1
37GF Score
Banco de Credito del Peru LIM:CREDITC1
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco de Credito del Peru Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banco de Credito del Peru's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(173326.019-169224.764)/208943.346
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=218160.086 - 44834.067
=173326.019

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=190658.57 - 21433.806 - 0
=169224.764

Banco de Credito del Peru's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(173326.019-169224.764)/207614.873
=0.02

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=218160.086 - 44834.067
=173326.019

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=190658.57 - 21433.806 - 0
=169224.764

* 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.

What does a Scaled Net Operating Assets of 0.02 mean?
Banco de Credito del Peru (LIM:CREDITC1) has a Scaled Net Operating Assets of 0.02 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banco de Credito del Peru and its competitors.
Is Banco de Credito del Peru's Scaled Net Operating Assets too high?
Banco de Credito del Peru's current Scaled Net Operating Assets is 0.02. 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 Scaled Net Operating Assets compare to PNC and USB?
Banco de Credito del Peru's Scaled Net Operating Assets of 0.02 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banco de Credito del Peru and its competitors. Banco de Credito del Peru's current Scaled Net Operating Assets is 0.02. 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 Scaled Net Operating Assets is 0.02. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Banco de Credito del Peru (LIM:CREDITC1), the current Scaled Net Operating Assets is 0.02 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:

  • Scaled Net Operating Assets: 0.02
  • 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

Scaled Net Operating Assets 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