Credicorp BAP
Credicorp Ltd. is the largest financial holding company in Peru, operating through its subsidiaries in banking, insurance, pension fund management, and microfinance, with a dominant position in the Peruvian financial system. Credicorp shows robust financial health with a 20.41% ROE and a 49.40% operating margin, supported by 12.00% revenue growth and a 3.73% dividend yield. Valuation is reasonable (P/E 14.56), but Peru's jurisdictional risk is a significant drag.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Credicorp Ltd. is the largest financial holding company in Peru, operating through its subsidiaries in banking, insurance, pension fund management, and microfinance, with a dominant position in the Peruvian financial system. Credicorp shows robust financial health with a 20.41% ROE and a 49.40% operating margin, supported by 12.00% revenue growth and a 3.73% dividend yield. Valuation is reasonable (P/E 14.56), but Peru's jurisdictional risk is a significant drag.
Score by category
| Category | Score |
|---|---|
| Financial health | 7.2 |
| Quality / Moat | 9.5 |
| Valuation | 5.1 |
| Growth | 6.5 |
| Dividend | 7.8 |
| Momentum | 8.2 |
| Risk & Context | 5.8 |
OVERALL SCORE: 7.1/10
Context and risks
Jurisdictional risk of Peru: emerging market with weak institutional governance, history of political intervention in the financial system, and limited minority protection. Although Credicorp is the dominant financial holding, the country's institutional quality justifies a significant penalty.
News considered in the analysis
- Why Credicorp (BAP) is a Great Dividend Stock Right Now — Artículo promocional de Zacks que destaca la solidez del dividendo, un factor ya conocido por el mercado pero que refuerza la percepción de calidad.
- Credicorp (BAP) Could Be 5% Undervalued Following Strong Earnings And Higher Guidance — Análisis de Simply Wall St. que señala una ligera infravaloración tras unos resultados sólidos y una mejora de las guías, lo que añade un sesgo positivo moderado.
- Here Are Wednesday’s Top Wall Street Analyst Research Calls: Airbnb, Booking Holdings, Credicorp, Dutch Bros, Expedia, Hartford Financial Services, Group, Meritage Homes, Patchex, Yum! Brands, and More — Credicorp aparece en una lista de llamadas de analistas de Wall Street, lo que sugiere una cobertura activa y posiblemente una recomendación positiva, aunque el detalle no se especifica.
- Starbucks initiated, Expedia downgraded: Wall Street's top analyst calls — Titular genérico sobre llamadas de analistas que no menciona a Credicorp; sin información relevante para la empresa.
- Bapcor (ASX:BAP) Shares See Fair Value Lift As Analysts Reassess Key Assumptions — Noticia sobre Bapcor, una empresa australiana de repuestos de automóviles, no relacionada con Credicorp.
Verdict: Hold, with caution due to country risk; fundamentals are solid but Peru's risk premium limits upside potential.
Main risk: The main risk is exposure to Peru's institutional quality, where political intervention and weak minority protection can affect value creation for shareholders.
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