Credicorp (BAP)

Financial Services · Banks - Regional
$378.70 -1.67% on the day Market cap $29.9B 52-week range $230.45 to $413.25 Prices as of Oct 7, 2026

What the price implies

A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.

Credicorp's free cash flow isn't comparable to its market value here, so a cash-flow reverse DCF doesn't give a meaningful answer. The Modeling tab works from revenue and margins instead.

Fundamental grade

C

Five factors scored 1 to 9 from BAP's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.

Valuation7
Profitability6
Growth6
Financial health1
Cash efficiency9

Key numbers

P/E (trailing)15.1x
P/E (forward)15.1x
Price / free cash flow3.87x
EV / EBITDA0.00x
Price / sales1.40x
Price / book2.90x
Revenue growth+7.0%
Operating margin—
Net margin20.0%
Return on equity16.0%
Dividend yield3.8%
Debt / equity6.44x

Results from SEC filings

Fiscal years, from Credicorp's 10-K filings. The deep dive has 15+ years, quarters and every line.

Fiscal year20202021202220232024
Revenue$18.4B$19.5B$20.9B$25.7B$27.5B
Net income$347M$3.6B$4.6B$4.9B$5.5B
Free cash flow$12.1B$3.3B-$2.0B$2.9B$13.4B
EPS (diluted)$4.36$44.99$58.32$61.08$69.09
Operating margin—————

Where the revenue comes from

Revenue by regions, fiscal 2025.

In Peru$29.7B90%
Colombia$1.4B4%
Bolivia$735M2%
Cayman Islands$532M2%
Panama$404M1%
Chile$234M1%

Superinvestors who own BAP

From each investor's latest 13F filing (what a 13F shows). 5 of the investors we track hold it.

InvestorLast quarterValue% of portfolioQuarter
Dodge & Cox
Dodge & Cox
Trimmed $1.0B0.53%Q2 2026
Richard Pzena
Pzena Investment Management
Trimmed $326M0.96%Q2 2026
Ron Baron
Baron Capital (BAMCO)
Trimmed $50M0.08%Q2 2026
Cliff Asness
AQR Capital Management
Trimmed $20M0.01%Q2 2026
Charles Brandes
Brandes Investment Partners, LP
Added $6M0.04%Q2 2026

Insider buying

Open-market purchases by Credicorp's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.

No open-market insider purchases of BAP in the last 12 months. Most insider activity is selling and option exercises, which aren't shown here.

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In the full deep dive

DCF fair value per share
Yearly return (IRR) at today's price
Growth implied by revenue and margins
15+ years of statements and quarters

Questions

Are Credicorp insiders buying the stock?

No open-market insider purchases of BAP in the last 12 months, according to SEC Form 4 filings.

Which superinvestors own Credicorp?

5 of the superinvestors Investingly tracks hold BAP in their latest 13F, including Dodge & Cox, Richard Pzena, Ron Baron.

Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.