Credicorp (BAP) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2025, filed Apr 27, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BAP SEC filings page.
Credicorp LTD (BAP) reported $5.6B in revenue for fiscal year 2025, up 16.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 11 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (20-F and 6-K reports).
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Credicorp LTD's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Credicorp LTD earned a return on assets of 2.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 2.1% the prior year. Earnings ranks banks on that return over three years, and Credicorp LTD scores 95/100 among other banks.
Credicorp LTD reported revenue of $5.6B in fiscal year 2025, against $4.8B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Credicorp LTD scores 66/100 among other banks.
Credicorp LTD funded 14.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $11.4B of equity against $79.5B of assets. Capital ranks banks on that cushion, and Credicorp LTD scores 83/100 among other banks.
Not available for Credicorp LTD, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Not available for Credicorp LTD, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Credicorp LTD reported net income of $2.1B in fiscal year 2025, against $1.5B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Credicorp LTD scores 42/100 among other banks.
Credicorp LTD passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.
Key Financial Metrics
Earnings & Revenue
Credicorp LTD generated $5.6B in revenue in fiscal year 2025. This represents an increase of 16.5% from the prior year.
Credicorp LTD reported $2.1B in net income in fiscal year 2025. This represents an increase of 40.9% from the prior year.
Credicorp LTD earned $25.89 per diluted share (EPS) in fiscal year 2025. This represents an increase of 41.1% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Credicorp LTD generated $2.5B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 34.5% from the prior year.
Credicorp LTD held $14.6B in cash as of fiscal year 2025; no long-term debt figure is on record for that period.
Not reported for fiscal year 2025.
Margins & Returns
Credicorp LTD's net profit margin was 36.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 6.3 percentage points from the prior year.
Credicorp LTD's ROE was 18.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.0 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Credicorp LTD spent $35.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 20.4% from the prior year.
Credicorp LTD invested $84.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 2.7% from the prior year.
Not reported for fiscal year 2025.
BAP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.6B+16.5% | $4.8B+6.9% | $4.5B+16.8% | $3.9B+19.8% | $3.2B+1.7% | $3.2B-14.7% | $3.7B+8.0% | $3.4B+1.6% | $3.4B+7.0% | $3.2B+9.1% | $2.9B |
| Interest Expense | $1.6B+1.4% | $1.5B-3.3% | $1.6B+53.7% | $1.0B+64.5% | $624.8M-24.0% | $822.6M-17.1% | $992.7M+10.4% | $899.1M-1.5% | $912.8M+5.1% | $868.5M+17.2% | $740.9M |
| Income Tax | $851.9M+45.7% | $584.8M+14.9% | $509.2M-8.0% | $553.4M+32.8% | $416.7Mn/m | -$30.4M-106.2% | $489.8M+8.7% | $450.8M+4.9% | $429.8M+12.6% | $381.8M+8.8% | $351.0M |
| Net Income | $2.1B+40.9% | $1.5B+11.4% | $1.3B+7.6% | $1.2B+35.5% | $899.2M+838.6% | $95.8M-92.6% | $1.3B+9.0% | $1.2B-6.4% | $1.3B+20.5% | $1.0B+15.5% | $906.6M |
| EPS (Basic) | $25.94+41.0% | $18.40+11.4% | $16.51+7.7% | $15.32+35.5% | $11.31+837.2% | $1.21-92.5% | $16.19+9.0% | $14.86-6.5% | $15.88+20.5% | $13.18+15.5% | $11.41 |
| EPS (Diluted) | $25.89+41.1% | $18.36+11.5% | $16.47+7.7% | $15.29+35.5% | $11.29+837.3% | $1.20-92.5% | $16.15+9.0% | $14.82-6.5% | $15.84+20.4% | $13.16+15.5% | $11.39 |
| Diluted Shares (Avg) | 80M-0.1% | 80M0.0% | 80M-0.1% | 80M0.0% | 80M+0.1% | 80M-0.1% | 80M0.0% | 80M0.0% | 80M+0.1% | 80M0.0% | 80M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
BAP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $79.5B+16.9% | $68.0B+5.7% | $64.4B+4.3% | $61.7B+1.1% | $61.1B-6.9% | $65.6B+15.7% | $56.7B+7.9% | $52.5B-0.1% | $52.6B+12.8% | $46.6B+2.3% | $45.6B |
| Cash & Equivalents | $14.6B+15.2% | $12.6B+38.2% | $9.1B+2.2% | $8.9B-9.2% | $9.9B-2.8% | $10.1B+29.4% | $7.8B+19.3% | $6.6B-8.3% | $7.2B+44.5% | $5.0B-23.3% | $6.5B |
| Goodwill | $372.5M+94.1% | $191.9M-10.9% | $215.3M+6.3% | $202.5M+1.3% | $199.9M-11.8% | $226.7M-13.2% | $261.3M+49.1% | $175.3M-10.7% | $196.2M+3.5% | $189.6M | N/A |
| Total Liabilities | $67.9B+15.5% | $58.7B+5.9% | $55.5B+2.8% | $54.0B-0.7% | $54.3B-7.2% | $58.5B+20.4% | $48.6B+7.2% | $45.3B-0.8% | $45.7B+12.6% | $40.6B-0.1% | $40.7B |
| Total Equity | $11.4B+25.0% | $9.1B+4.3% | $8.8B+15.1% | $7.6B+15.3% | $6.6B-4.3% | $6.9B-13.0% | $7.9B+12.1% | $7.1B+5.3% | $6.7B+14.6% | $5.9B+19.4% | $4.9B |
| Retained Earnings | $2.1B+37.2% | $1.5B+21.6% | $1.2B+9.9% | $1.1B+40.4% | $798.5M+732.9% | $95.9M-92.7% | $1.3B+6.7% | $1.2B-6.1% | $1.3B+25.7% | $1.0B | N/A |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
BAP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.6B-33.7% | $3.9B+250.8% | $1.1Bn/m | -$301.9M-130.3% | $996.6M-71.6% | $3.5B+67.4% | $2.1Bn/m | -$74.6M-102.5% | $2.9Bn/m | -$407.5Mn/m | -$385.7M |
| Capital Expenditures | $84.7M+2.7% | $82.4M-5.2% | $86.9M+72.0% | $50.5M+86.9% | $27.0M-0.2% | $27.1M-33.4% | $40.7M-24.4% | $53.8M+21.2% | $44.4M+35.2% | $32.8M-24.6% | $43.5M |
| Free Cash Flow | $2.5B-34.5% | $3.8B+272.7% | $1.0Bn/m | -$352.4M-136.3% | $969.6M-72.1% | $3.5B+69.4% | $2.1Bn/m | -$128.3M-104.4% | $2.9Bn/m | -$440.3Mn/m | -$429.2M |
| Investing Cash Flow | -$473.7M-438.0% | $140.2Mn/m | -$338.4Mn/m | -$287.1Mn/m | -$935.1Mn/m | -$517.0M-335.9% | $219.1Mn/m | -$17.6M-122.8% | $77.1Mn/m | -$589.7Mn/m | -$463.9M |
| Financing Cash Flow | -$546.4Mn/m | -$481.0Mn/m | -$610.5Mn/m | -$419.7Mn/m | -$116.7Mn/m | -$576.8Mn/m | -$1.1Bn/m | -$428.4Mn/m | -$738.3Mn/m | -$480.0M-3140.5% | $15.8M |
| Dividends Paid | $946.0M-2.8% | $973.6M+81.1% | $537.6M+71.4% | $313.7M+213.6% | $100.0M-84.9% | $660.8M+37.3% | $481.4M+43.7% | $335.0M+10.8% | $302.3M+55.3% | $194.7M+23.0% | $158.3M |
| Share Buybacks | $35.5M+20.4% | $29.5M+27.7% | $23.1M+5.3% | $21.9M+48.4% | $14.8M-64.8% | $41.9M+34.7% | $31.1M+10.1% | $28.3M+29.1% | $21.9M+10.5% | $19.8M-7.2% | $21.4M |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.
BAP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 36.6%+6.3pp | 30.3%+1.2pp | 29.1%-2.5pp | 31.5%+3.7pp | 27.9%+24.9pp | 3.0%-31.6pp | 34.6%+0.3pp | 34.3%-3.0pp | 37.3%+4.2pp | 33.1%+1.8pp | 31.2% |
| Return on Equity | 18.1%+2.0pp | 16.0%+1.0pp | 15.0%-1.0pp | 16.0%+2.4pp | 13.6%+12.2pp | 1.4%-14.9pp | 16.3%-0.5pp | 16.7%-2.1pp | 18.8%+0.9pp | 17.9%-0.6pp | 18.5% |
| Return on Assets | 2.6%+0.4pp | 2.1%+0.1pp | 2.0%+0.1pp | 2.0%+0.5pp | 1.5%+1.3pp | 0.1%-2.1pp | 2.3%0.0pp | 2.3%-0.2pp | 2.4%+0.2pp | 2.3%+0.3pp | 2.0% |
| Liabilities-to-Equity | 5.95-0.5x | 6.44+0.1x | 6.34-0.8x | 7.10-1.1x | 8.24-0.3x | 8.50+2.4x | 6.14-0.3x | 6.42-0.4x | 6.81-0.1x | 6.94-1.4x | 8.29 |
| Asset Turnover | 0.070.0x | 0.070.0x | 0.070.0x | 0.060.0x | 0.050.0x | 0.050.0x | 0.070.0x | 0.070.0x | 0.060.0x | 0.070.0x | 0.06 |
| FCF Margin | 44.0%-34.2pp | 78.2%+55.8pp | 22.4%+31.6pp | -9.1%-39.2pp | 30.1% | 109.6% | 55.2%+58.9pp | -3.7%-89.0pp | 85.3%+99.2pp | -13.9%+0.9pp | -14.8% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Credicorp LTD BAP | FY2025 | $5.6B | $2.1B | 36.6% | $27.6B | 72/100 |
| Citizens Financial Group, Inc. CFG | FY2025 | $8.2B | $1.8B | 22.2% | $26.8B | 45/100 |
| First Citizens BancShares Inc FCNCA | FY2025 | $9.5B | $2.2B | 23.1% | $25.6B | 42/100 |
| Shinhan Financial Group Co Ltd SHG | FY2025 | $10.1B | $3.4B | 34.0% | $29.2B | 36/100 |
| Huntington Bancshares Inc HBAN | FY2025 | $8.2B | $2.2B | 27.1% | $31.5B | 52/100 |
| Banco Bradesco S.A. BBD | FY2025 | $19.1B | $4.3B | 22.7% | $28.1B | 41/100 |
Where Credicorp LTD Ranks
Frequently Asked Questions
Credicorp LTD (BAP) reported $5.6B in total revenue for fiscal year 2025. This represents a 16.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Credicorp LTD (BAP) revenue grew by 16.5% year-over-year, from $4.8B to $5.6B in fiscal year 2025.
Yes, Credicorp LTD (BAP) reported a net income of $2.1B in fiscal year 2025, with a net profit margin of 36.6%.
Credicorp LTD (BAP) had a net profit margin of 36.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Credicorp LTD (BAP) has a return on equity of 18.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
Credicorp LTD (BAP) generated $2.5B in free cash flow during fiscal year 2025. This represents a -34.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
Credicorp LTD (BAP) generated $2.6B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Credicorp LTD (BAP) had $79.5B in total assets as of fiscal year 2025, including both current and long-term assets.
Credicorp LTD (BAP) invested $84.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Credicorp LTD (BAP) had a liabilities-to-equity ratio of 5.95 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
Credicorp LTD (BAP) had a return on assets of 2.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Credicorp LTD (BAP) trades at 13.4x earnings, its market capitalization divided by $2.1B net income, FY2025. The market capitalization is $27.6B as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Credicorp LTD (BAP) trades at 4.9x sales, its market capitalization divided by $5.6B revenue, FY2025. The market capitalization is $27.6B as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Credicorp LTD (BAP) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Credicorp LTD (BAP) scores 72 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Credicorp LTD it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.