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

BAPNYSE

139.22

USD
+0.89
(+0.64%)
Market Closed
10.39P/E
2Forward P/E
0.40P/E to S&P500
11.072BMarket CAP
3.61%Div Yield
Upcoming Earnings
11 Aug
Shares Short
5/13/22
675.09k
Short % of Float
1.00%
Short % of Shares Outs.
0.85%
% Held by Insiders
29.23%
% Held by Institutions
63.37%
Beta
0.72
PEG Ratio
0.78
52w. high/low
182.11/88.67
Avg. Daily Volume
0.57M
Return %
Stock
S&P 500
1 year
7.51
(6.01)
3 years
(37.55)
39.24
5 years
(17.80)
63.25
Scale: |
High
Low
76.77
37.78
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
118.81
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
183.16
182.12
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
45.14
45.01
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
41.97
254.81
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
60.14
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
8.06
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
333.67
318.23
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
3.6
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
10.4
P/E to S&P500
0.2
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
0.4
Avg. annual div. yield
10.6%
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%
46.7%
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
14,544
14,493
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
154
153
180
206
236
247
283
345
434
401
407
426
437
639
677
690
683
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
3,585
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%
31.8%
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%
24.6%
24.4%
Working capital (m)
27,239
35,748
47,887
47,004
68,110
62,640
81,982
91,101
109,400
126,253
123,945
132,875
144,762
151,323
179,720
189,631
- -
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
24,292
23,169
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
24,530
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%
2.2%
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%
3.2%
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%
14.6%
Plowback ratio
61.9%
70.4%
66.6%
76.3%
76.3%
78.5%
76.7%
63.4%
82.0%
82.2%
81.4%
45.4%
71.6%
47.6%
(589.8)%
88.9%
(1,279.6)%
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
0.272
Capital Structure
31 Mar · 2022 | Q1
All numbers in millions
Total liabilities
$ 219,184
Total assets
$ 244,203
Long-term debt
$ 23,169
Cash and equiv.
$ 39,177
Goodwill
$ - -
Retained earnings
$ 646
Common stock
80
Enterprise Value
$ (4,935)
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
50,573
79,478
74,079
Receivables
4,182
4,683
2,119
Inventory
- -
- -
- -
Other
96,568
106,331
126,793
Current assets
151,323
179,720
189,631
Acc. Payable
2,378
2,526
1,217
Debt due
- -
- -
- -
Other
(2,378)
(2,526)
(1,217)
Current liabilities
- -
- -
- -
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
7.45%
2.39%
7.77%
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
- -
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
2.64
(7.81)
1.32
8.23
4.37
2021
8.32
8.81
14.65
13.36
45.14
2022
8.31
- -
- -
- -
- -
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:
36,358
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.