Is Credicorp Ltd. (BAP) Overvalued?
We dive into why Credicorp Ltd. (BAP) could be considered overvalued on 2026-07-17, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
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. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
Commentary & Analysis
Which Is a Better Investment, Credicorp Ltd. or Zions Bancorporation, National Association Stock?
Learn more about whether Credicorp Ltd. or Zions Bancorporation, National Association is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Michael Rose
Why Credicorp Ltd.’s (BAP) Stock Is Up 7.16%
As of Wednesday, June 17, Credicorp Ltd.’s BAP share price has surged by 7.16%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why Credicorp Ltd.’s (BAP) Stock Is Up 12.43%
As of Tuesday, June 09, Credicorp Ltd.’s BAP share price has surged by 12.43%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why Credicorp Ltd.’s (BAP) Stock Is Down 6.25%
As of Monday, June 08, Credicorp Ltd.’s BAP share price has dipped by 6.25%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Financial Summary
| Share Statistics | BAP | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $31,825.4 | $716.9 | 90% |
|
| Shares Out (Mil) | 22.8 | 15.7 | 33% |
|
| Institutional Ownership | 96.4% | 83.0% | 70% |
|
| Float (Mil) | 53.2 | 21.2 | 49% |
|
| Beta | 0.84 | 0.48 | 50% |
|
| Avg Daily Volume (000s) | 289 | 53 | 50% |
|
| Price Change (52-week) |
70.4% | 96.7% | 87% |
|
| Growth | BAP | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 24.5% | 7.6% | 86% |
|
| Net Income (5yr) | 84.6% | 11.1% | 98% |
|
| EPS (5yr) | 84.6% | 10.1% | 98 |
|
| Dividends (5yr) | 60.8% | 3.6% | 100% |
|
| Cash Flow (5yr) | (33.5%) | (17.0%) | 16% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 5 | 8 | 8 | |
| Current EPS | $7.359 | $29.715 | $34.104 | |
| Month Ago EPS | $7.319 | $29.734 | $33.778 | |
| # Rev Up | 1 | 0 | 1 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $7.220 | $29.542 | $32.632 | |
| Year/Year Chg | (1.0%) | 14.8% | 49.9% | |
| Financials | BAP | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $6,279 | $190 | 78% |
|
| Net Income (TTM) (Mil) | $2,066 | $51 | 92% |
|
| EPS (TTM) | $26.024 | $2.500 | 99% |
|
| Operating Cash Flow (TTM) (Mil) | ($3,623) | $34 | 1% |
|
| Net Cash Flow (TTM) (Mil) | $1,847 | $1 | 97% |
|
| Long-Term Debt (Q1) (Mil) | $5,358 | $100 | 86% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | BAP | Industry Median |
Percentile (All Stocks) |
|
| P/B | 2.78 | 1.27 | 63% |
|
| P/E | 15.4 | 12.9 | 37% |
|
| Dividend Yield | 12.5% | 2.2% | 99% |
|
| PEG (5yr hist) | 0.2 | 1.1 | 7% |
|
| Ratios | BAP | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 68.8% | na |
|
| Net Margin | 32.9% | 28.9% | 91% |
|
| ROA | 2.8% | 1.0% | 61% |
|
| ROE | 19.4% | 11.1% | 79% |
|
| Liabilities to Assets | 85.4% | 89.8% | 79% |
|
| F-Score | 2 | 4 | 7% |
|
Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Dreman Screen
Factors: Value, Growth
Avoiding the psychological traps of the market by following the principles of contrarian investing.
| Performance Since Inception: | 8.6% |
| +/- S&P 500: | +1.1 |
