Credicorp (BAP) financial statements
Credicorp reported revenue of 27.5B PEN in fiscal 2024, up 6.4% a year over 9 years.
Net income was 5.5B PEN.
Free cash flow was 13.4B PEN, and the company returned 3.7B PEN in dividends and 111M PEN in net buybacks.
Revenue and free cash flow
Fiscal years, $ billions (PEN).
Income statement
Fiscal years, in PEN, from Credicorp's 10-K filings with the SEC.
| Fiscal year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 15.8B PEN | 16.8B PEN | 17.6B PEN | 18.2B PEN | 19.7B PEN | 18.4B PEN | 19.5B PEN | 20.9B PEN | 25.7B PEN | 27.5B PEN |
| Selling, general and admin | 2.0B PEN | 2.1B PEN | 2.2B PEN | 2.3B PEN | 2.4B PEN | 2.4B PEN | 3.0B PEN | 3.4B PEN | 3.8B PEN | 4.2B PEN |
| Interest expense | 2.5B PEN | 2.9B PEN | 3.0B PEN | 3.0B PEN | 3.3B PEN | 3.0B PEN | 2.5B PEN | 3.9B PEN | 5.9B PEN | 5.8B PEN |
| Pre-tax income | 4.4B PEN | 4.9B PEN | 5.6B PEN | 5.6B PEN | 6.0B PEN | 224M PEN | 5.3B PEN | 6.9B PEN | 6.8B PEN | 7.8B PEN |
| Income tax | 1.2B PEN | 1.3B PEN | 1.4B PEN | 1.5B PEN | 1.6B PEN | -110M PEN | 1.7B PEN | 2.1B PEN | 1.9B PEN | 2.2B PEN |
| Net income | 3.1B PEN | 3.5B PEN | 4.1B PEN | 4.0B PEN | 4.3B PEN | 347M PEN | 3.6B PEN | 4.6B PEN | 4.9B PEN | 5.5B PEN |
| EPS (diluted) | 38.84 PEN | 44.15 PEN | 51.35 PEN | 49.99 PEN | 53.53 PEN | 4.36 PEN | 44.99 PEN | 58.32 PEN | 61.08 PEN | 69.09 PEN |
| Diluted shares | 80M | 80M | 80M | 80M | 80M | 80M | 80M | 80M | 80M | 80M |
| Net margin | 19.6% | 20.9% | 23.2% | 21.9% | 21.7% | 1.9% | 18.4% | 22.2% | 19.0% | 20.0% |
Balance sheet
Fiscal years, in PEN, from Credicorp's 10-K filings with the SEC.
| Fiscal year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | 22.0B PEN | 16.6B PEN | 23.2B PEN | 22.2B PEN | 26.0B PEN | 36.7B PEN | 39.3B PEN | 34.1B PEN | 33.9B PEN | 47.6B PEN |
| Property, plant and equipment | 1.7B PEN | 1.6B PEN | 1.5B PEN | 1.5B PEN | 1.4B PEN | 1.4B PEN | 1.3B PEN | 1.3B PEN | 1.4B PEN | 1.4B PEN |
| Goodwill | — | 636M PEN | 636M PEN | 591M PEN | 866M PEN | 821M PEN | 797M PEN | 772M PEN | 798M PEN | 722M PEN |
| Total assets | 155.5B PEN | 156.4B PEN | 170.5B PEN | 177.3B PEN | 187.9B PEN | 237.4B PEN | 243.4B PEN | 235.4B PEN | 238.8B PEN | 256.1B PEN |
| Total liabilities | 138.8B PEN | 136.3B PEN | 148.2B PEN | 153.0B PEN | 161.1B PEN | 212.0B PEN | 216.6B PEN | 205.8B PEN | 205.7B PEN | 221.1B PEN |
| Shareholders' equity | 16.7B PEN | 19.7B PEN | 21.8B PEN | 23.8B PEN | 26.2B PEN | 24.9B PEN | 26.3B PEN | 29.0B PEN | 32.5B PEN | 34.3B PEN |
| Net debt | -22.0B PEN | -16.6B PEN | -23.2B PEN | -22.2B PEN | -26.0B PEN | -36.7B PEN | -39.3B PEN | -34.1B PEN | -33.9B PEN | -47.6B PEN |
Cash flow
Fiscal years, in PEN, from Credicorp's 10-K filings with the SEC.
| Fiscal year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -1.3B PEN | -1.4B PEN | 9.5B PEN | -122M PEN | 6.9B PEN | 12.7B PEN | 4.0B PEN | -1.2B PEN | 4.1B PEN | 14.5B PEN |
| Capital spending | 425M PEN | 387M PEN | 416M PEN | 601M PEN | 507M PEN | 633M PEN | 640M PEN | 896M PEN | 1.2B PEN | 1.1B PEN |
| Free cash flow | -1.7B PEN | -1.8B PEN | 9.1B PEN | -723M PEN | 6.4B PEN | 12.1B PEN | 3.3B PEN | -2.0B PEN | 2.9B PEN | 13.4B PEN |
| Stock-based compensation | 66M PEN | 74M PEN | 104M PEN | 66M PEN | 120M PEN | 104M PEN | 74M PEN | 82M PEN | 83M PEN | 105M PEN |
| Dividends paid | 540M PEN | 653M PEN | 980M PEN | 1.1B PEN | 1.6B PEN | 2.4B PEN | 399M PEN | 1.2B PEN | 2.0B PEN | 3.7B PEN |
| Share buybacks (net) | -73M PEN | -67M PEN | -71M PEN | 95M PEN | -103M PEN | -152M PEN | -59M PEN | -84M PEN | -86M PEN | -111M PEN |
| Net borrowing | 667M PEN | -401M PEN | -40M PEN | 0 PEN | — | — | — | — | — | — |
| Free cash flow margin | -11.0% | -10.4% | 51.7% | -4.0% | 32.7% | 65.4% | 17.1% | -9.8% | 11.4% | 48.8% |
| Dividends per share | 6.78 PEN | 8.21 PEN | 12.30 PEN | 14.19 PEN | 20.02 PEN | 30.05 PEN | 5.01 PEN | 15.01 PEN | 25.03 PEN | 46.03 PEN |
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Open BAP in InvestinglyQuestions
What was Credicorp's revenue in 2024?
27.5B PEN in fiscal 2024, from its 10-K filing.
How much free cash flow does Credicorp generate?
13.4B PEN in fiscal 2024 (operating cash flow minus capital spending).
From Credicorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.