BAP:NYE-Credicorp Ltd (USD)

COMMON STOCK | Banks - Regional |

Last Closing

USD 180.42

Change

+5.19 (+2.96)%

Market Cap

USD 13.90B

Volume

0.25M

Analyst Target

USD 166.43
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Credicorp Ltd. provides various financial, insurance, and health services and products primarily in Peru and internationally. It operates through Universal Banking, Insurance and Pensions, Microfinance, and Investment Banking and Equity Management segments. The Universal Banking segment grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. The Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; and management services for private pension funds. The Microfinance segment provides management of loans, deposits, and current accounts for small and microenterprises. The Investment Banking and Equity Management segment is involved in provision of brokerage and investment management services for corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; and structuring of securitization processes for corporate customers and manages mutual funds. The company was founded in 1889 and is headquartered in Lima, Peru. Address: Calle Centenario N 156, Lima, Peru, 12

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-09-18 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
USB-PH U.S. Bancorp

-0.06 (-0.27%)

USD 90.36B
USB-PP U.S. Bancorp

-0.02 (-0.08%)

USD 78.93B
PNC PNC Financial Services Group I..

+1.08 (+0.60%)

USD 72.14B
NU Nu Holdings Ltd

-0.29 (-1.92%)

USD 71.31B
USB U.S. Bancorp

+0.50 (+1.12%)

USD 69.74B
ITUB Itau Unibanco Banco Holding SA

+0.01 (+0.15%)

USD 60.27B
TFC Truist Financial Corp

+0.14 (+0.33%)

USD 56.03B
BSBR Banco Santander Brasil SA ADR

+0.01 (+0.18%)

USD 41.25B
NWG Natwest Group PLC

-0.06 (-0.66%)

USD 37.68B
MTB M&T Bank Corporation

+0.23 (+0.13%)

USD 28.20B

ETFs Containing BAP

IBAL:AU iShares Balanced ESG ETF 10.52 % 0.00 %

-0.10 (0.09%)

N/A
IGRO:AU iShares High Growth ESG E.. 3.00 % 0.00 %

+0.03 (+0.09%)

N/A
EWEM 2.63 % 0.65 %

N/A

N/A
EET ProShares Ultra MSCI Emer.. 0.23 % 0.95 %

-0.45 (0.09%)

USD 0.02B
EDZ Direxion Daily MSCI Emerg.. 0.00 % 0.99 %

+0.11 (+0.09%)

USD 0.02B
EEV ProShares UltraShort MSCI.. 0.00 % 0.95 %

+0.16 (+0.09%)

N/A
EMLB 0.00 % 0.00 %

N/A

N/A
EMSA 0.00 % 0.00 %

N/A

N/A
EUM ProShares Short MSCI Emer.. 0.00 % 0.95 %

+0.04 (+0.09%)

N/A
GML 0.00 % 0.50 %

N/A

N/A
EDBI 0.00 % 0.50 %

N/A

N/A

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 20.34% 77% C+ 84% B
Dividend Return N/A N/A N/A N/A N/A
Total Return 20.34% 68% D+ 80% B-
Trailing 12 Months  
Capital Gain 33.64% 59% D- 85% B
Dividend Return N/A N/A N/A N/A N/A
Total Return 33.64% 53% F 83% B
Trailing 5 Years  
Capital Gain -13.83% 24% F 29% F
Dividend Return 9.11% 12% F 31% F
Total Return -4.72% 21% F 24% F
Average Annual (5 Year Horizon)  
Capital Gain -0.10% 31% F 36% F
Dividend Return 2.51% 27% F 38% F
Total Return 2.61% 28% F 54% F
Risk Return Profile  
Volatility (Standard Deviation) 19.99% 65% D 52% F
Risk Adjusted Return 12.56% 26% F 34% F
Market Capitalization 13.90B 72% C 89% A-

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector