BM stock · Financial Services sector · Banks—Regional
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Credicorp Ltd.

BAPNYSE

140.73

USD
-2.76
(-1.92%)
Market Closed
9.82P/E
8Forward P/E
0.49P/E to S&P500
11.193BMarket CAP
10.45%Div Yield
Upcoming Earnings
9 Feb
Shares Short
1/13/23
829.36k
Short % of Float
1.23%
Short % of Shares Outs.
1.04%
% Held by Insiders
35.07%
% Held by Institutions
74.88%
Beta
0.89
PEG Ratio
9.58
52w. high/low
182.11/113.21
Avg. Daily Volume
0.38M
Return %
Stock
S&P 500
1 year
2.42
(6.69)
3 years
(34.11)
24.00
5 years
(40.42)
42.28
Scale: |
High
Low
83.65
29.10
77.05
32.73
123.87
68.17
116.51
77.76
142.74
100.48
161.34
106.88
170.85
118.93
160.60
81.78
166.26
84.72
215.69
150.71
239.54
207.03
252.49
199.83
220.25
110.47
169.50
88.67
182.11
113.21
149.77
136.36
Currency:
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
42.23
55.81
57.81
63.72
84.07
90.92
95.47
107.52
132.81
148.62
157.46
168.07
169.70
185.47
170.46
181.57
200.65
Earnings per share
8.80
13.19
14.09
18.35
20.50
23.87
25.77
20.28
29.94
38.77
44.23
51.49
50.13
53.66
4.37
45.09
52.10
FCF per share
21.20
48.42
14.22
(19.42)
113.05
(59.57)
109.75
16.17
(29.76)
(23.24)
(23.19)
111.81
(9.10)
80.85
151.79
41.93
254.96
Dividends per share
3.36
3.90
4.71
4.34
4.87
5.13
5.99
7.42
5.38
6.91
8.22
28.09
14.22
28.10
30.13
5.02
60.18
CAPEX per share
1.39
1.99
3.60
1.64
2.88
3.32
7.38
11.03
6.88
6.16
4.85
5.23
7.57
6.37
7.98
8.05
1.35
Book Value per sh.
53.44
63.03
66.54
84.30
103.14
111.98
136.17
151.42
175.28
202.21
247.34
273.77
299.95
330.08
314.14
333.32
327.91
Comm.Shares outs.
80
80
80
80
80
80
80
80
80
80
79
79
79
79
79
79
80
Avg. annual P/E ratio
- -
4.3
4.6
3.1
4.6
4.0
4.7
6.6
4.9
3.3
3.2
3.6
4.5
4.2
34.4
2.9
9.8
P/E to S&P500
- -
0.2
0.2
0.0
0.2
0.2
0.3
0.4
0.3
0.2
0.1
0.2
0.2
0.2
0.9
0.1
0.5
Avg. annual div. yield
- -
6.9%
7.3%
7.6%
5.2%
5.3%
5.0%
5.5%
3.7%
5.3%
5.9%
15.4%
6.4%
12.6%
20.1%
3.9%
43.0%
Revenue (m)
3,373
4,448
4,611
5,082
6,708
7,252
7,614
8,575
10,593
11,854
12,514
13,357
13,487
14,743
13,536
14,434
15,957
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
154
153
180
206
236
247
283
345
434
401
407
426
437
639
677
690
691
Net profit (m)
703
1,052
1,124
1,464
1,636
1,904
2,055
1,618
2,388
3,092
3,515
4,092
3,984
4,265
347
3,585
4,146
Income tax rate
26.7%
22.6%
22.1%
22.0%
24.4%
22.5%
23.7%
33.2%
28.6%
27.5%
26.2%
25.0%
27.2%
27.2%
(49.1)%
31.1%
31.1%
Net profit margin
20.8%
23.6%
24.4%
28.8%
24.4%
26.3%
27.0%
18.9%
22.5%
26.1%
28.1%
30.6%
29.5%
28.9%
2.6%
24.8%
25.6%
Working capital (m)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Long-term debt (m)
2,699
9,072
2,467
3,735
8,596
10,430
19,332
21,592
24,129
23,857
23,244
24,046
23,310
24,455
22,909
24,812
26,022
Equity (m)
4,268
5,025
5,307
6,723
8,230
8,932
10,861
12,077
13,979
16,128
19,656
21,757
23,839
26,238
24,946
26,497
27,109
ROIC
3.4%
3.9%
3.9%
3.8%
3.1%
3.7%
3.3%
2.7%
3.0%
3.2%
3.6%
3.7%
3.5%
3.6%
2.0%
2.2%
2.6%
Return on capital
4.7%
5.0%
5.0%
4.9%
4.1%
4.8%
4.3%
4.0%
4.1%
4.4%
4.9%
5.0%
4.8%
4.9%
1.4%
3.2%
3.7%
Return on equity
16.5%
20.9%
21.2%
21.8%
19.9%
21.3%
18.9%
13.4%
17.1%
19.2%
17.9%
18.8%
16.7%
16.3%
1.4%
13.5%
15.3%
Plowback ratio
64.5%
72.2%
67.6%
76.3%
77.5%
78.5%
77.3%
63.9%
82.3%
82.6%
81.9%
46.6%
72.2%
48.7%
(616.1)%
89.1%
(1,264.2)%
Div.&Repurch./FCF
15.8%
8.1%
33.2%
(24.5)%
4.8%
(8.6)%
6.0%
51.2%
(20.0)%
(30.5)%
(39.1)%
25.9%
(169.5)%
36.4%
21.1%
13.6%
24.4%
Forex (PEN/USD)
- -
- -
0.319
0.346
0.356
0.371
0.391
0.357
0.333
0.292
0.298
0.309
0.297
0.302
0.276
0.250
0.265
Capital Structure
30 Sep · 2022 | Q3
All numbers in millions
Total liabilities
$ 216,238
Total assets
$ 243,916
Long-term debt
$ 26,022
Cash and equiv.
$ 36,249
Goodwill
$ - -
Retained earnings
$ 3,566
Common stock
80
Enterprise Value
$ 965
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
50,573
79,478
73,732
Receivables
4,182
4,683
5,052
Inventory
- -
- -
- -
Other
(54,755)
(73,389)
(65,452)
Current assets
- -
- -
- -
Acc. Payable
2,378
2,526
2,942
Debt due
- -
- -
- -
Other
(2,378)
(2,526)
(2,942)
Current liabilities
- -
- -
- -
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
6.63%
2.18%
7.68%
Cash flow
(72.35)%
(270.40)%
(228.38)%
Earnings
933.34%
211.47%
103.53%
Dividends
(83.33)%
(7.00)%
28.55%
Book value
6.22%
5.23%
10.65%
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
3,562
3,185
3,313
3,517
13,577
2021
3,284
3,412
3,802
3,969
14,468
2022
3,309
4,118
4,560
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
2.64
(7.81)
1.32
8.23
4.37
2021
8.31
8.80
14.64
13.34
45.09
2022
8.31
14.10
16.38
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2018
- -
- -
- -
- -
- -
2019
20.07
20.07
9.50
1.47
51.11
2020
30.13
30.13
- -
- -
60.27
Company Description
Sector:
Financial Services
Industry:
Banks—Regional
CEO:
Mr. Cesar Fernando Rivera Wilson
Full-time employees:
35,692
City:
Hamilton
Address:
Clarendon House, 2 Church Street
IPO:
Oct 25, 1995
Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current accounts, and various credits and financial instruments to individuals and legal entities. Its Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transportation, marine vessels, automobile, life, health, and pensions, as well as provides private pension fund management services. The company's Microfinance segment manages loans, credits, deposits, and current accounts of the small and microenterprises. Its Investment Banking and Wealth Management segment offers its services to corporations, institutional investors, governments, and foundations; engages in structuring and placement of issues in the primary market, as well as the execution and negotiation of operations in the secondary market; and structures securitization processes for corporate customers and manages mutual funds. The company was founded in 1889 and is headquartered in Lima, Peru.