Credicorp Ltd. (BAP) is a publicly traded company in the Financial Services — Banks - Diversified industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments.
Is Credicorp Ltd. stock overvalued or undervalued in 2026?
Credicorp Ltd. (BAP) trades at 13.5× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROTCE del 21,3 % (2.0×) $284 (-23 %); at its peers' median (1.0×) $138 (-63 %).
Kaplio overview: Credicorp Ltd.
Market cap $29B · 52 weeks $248 – $402 (10 % below the high) · P/E 13.5× · 2027 expected P/E 11.2× · Dividend 4.0 % · Next earnings November 9, 2026 · expected EPS $7.25 · Closing price, Oct 29 · accounts published Aug 13.
- Valuation: P/B 2.6× (expensive).
- Business: ROTCE 21.3 % (excellent).
- Balance sheet: Capital/assets 13.7 % (solid).
- Earnings: 4 of 8 (uneven).
What would it be worth at its usual multiples?
At a P/B justified by its ROTCE del 21,3 % (2.0×) $284 (-23 %); at its peers' median (1.0×) $138 (-63 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 4 of 5 pass
- P/B (Price / Book) 2.6×, fails.
- ROA 2.6 %, passes.
- ROTCE 21.3 %, passes.
- Equity / Assets (Tier 1 proxy) 13.7 %, passes.
- Sustainable dividend yield 4.1 %, passes.
Against its peers (reference peers) — Credicorp Ltd.: P/E 13.5×; P/B 2.6×; ROE 19.6 %; $29.4B. Grupo Financiero Galicia S.A. (P/E 51.4×; P/B 1.0×; ROE 2.1 %; $6.1B), Intercorp Financial Services Inc. (P/E 9.1×; P/B 1.5×; ROE 16.9 %; $5.7B), Grupo Aval Acciones y Valores S.A. (P/E 10.2×; P/B 1.0×; ROE 9.5 %; $5.6B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 2.6× · median 0.5× · minimum 0.3× · maximum 2.8× · cheap below 0.4× · expensive above 0.8×. It has been cheaper than today 97% of the time over its last ten fiscal years.
Dividend
tight (only raised recently) · Yield 4.0 % ($10.91 per ADS in 2025) · 5-year growth +4 % a year · Free cash flow coverage payout 43 % · With $1,000 invested today you'd collect $40.50 a year ($3.38 a month).
Investor methods verdict
Would Buffett approve Credicorp today?
The Buffett Method would wait for a better price for Credicorp: it yields 6.5% before tax; it asks for 10%. Business quality: 65 out of 100 (price not included). Kaplio assessment with data from the week of 2026-10-26; not investment advice.
Would Peter Lynch approve Credicorp today?
The Lynch Method would not approve Credicorp today: it fails its quality rules. Business quality: 62 out of 100 (price not included). Lynch classifies it as a stalwart. Kaplio assessment with data from the week of 2026-10-26; not investment advice.
Profitability
| Return on Equity | 19.58% |
| Return on Invested Capital | 2.71% |
| Return on Assets | 2.60% |
| Gross Margin | 76.74% |
| Operating Margin | 36.62% |
| Net Margin | 24.93% |
Financial Health
| Debt / Equity | 0.95 |
| Current Ratio | 2.37 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 0.61 |
Price Performance
| 1 month | -4.92% |
| 3 months | -9.83% |
| Year-to-date | +25.85% |
| 1 year | +38.92% |
| 3 years | +189.04% |
| 5 years | +178.57% |
| 10 years | +142.15% |
Dividend History
Paid in the last 12 months: $14.6379 per share in 1 payments.
| Date | Amount |
|---|---|
| 2026-05-18 | $14.6379 |
| 2025-05-19 | $11.0111 |
| 2024-09-23 | $2.9167 |
| 2024-05-17 | $9.2875 |
| 2023-05-18 | $6.7800 |
| 2022-05-19 | $3.9936 |
| 2021-09-14 | $1.2087 |
| 2020-04-09 | $8.8026 |
| 2019-10-22 | $2.3623 |
| 2019-04-15 | $6.0719 |
Amounts adjusted for stock splits.
Related companies: GGAL · IFS · AVAL · BMA
Explore sector: Financial Services · Banks - Diversified
More sections of BAP: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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