Credicorp (BAP) | Financial Analysis & Statements
Financial Overview
Latest Annual: 2024Income Metrics
Revenue
21.2B
Net Income
5.6B
26.47%
EPS (Diluted)
$69.09
Balance Sheet Metrics
Total Assets
256.1B
Total Liabilities
221.1B
Shareholders Equity
35.0B
Debt to Equity
6.32
Cash Flow Metrics
Operating Cash Flow
18.1B
Free Cash Flow
13.4B
Revenue & Profitability Trend
Credicorp Income Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 21.2B | 19.5B | 16.7B | 16.7B | 15.2B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 8.0B | 7.4B | 6.6B | 8.3B | 6.7B |
| Operating Income | - | - | - | - | - |
| Pre-tax Income | 7.8B | 6.8B | 6.9B | 5.3B | 224.2M |
| Income Tax | 2.2B | 1.9B | 2.1B | 1.7B | -110.0M |
| Net Income | 5.6B | 5.0B | 4.8B | 3.7B | 334.1M |
| EPS (Diluted) | $69.09 | $61.08 | $58.25 | $44.99 | $4.36 |
Income Statement Trend
Credicorp Balance Sheet From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | - | - | - | - | - |
| Non-Current Assets | - | - | - | - | - |
| Total Assets | 256.1B | 238.8B | - | - | - |
| Liabilities | |||||
| Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 221.1B | - | - | - | - |
| Equity | |||||
| Total Shareholders Equity | 35.0B | 33.1B | 29.6B | 26.8B | 25.4B |
Balance Sheet Composition
Credicorp Cash Flow Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 5.6B | 5.0B | 4.8B | 3.7B | 334.1M |
| Operating Cash Flow | 18.1B | 8.9B | 12.6B | 19.6B | 8.9B |
| Investing Activities | |||||
| Capital Expenditures | -211.9M | -269.2M | -187.3M | -96.3M | -75.2M |
| Investing Cash Flow | 1.4B | -388.6M | -303.8M | -3.2B | -1.3B |
| Financing Activities | |||||
| Dividends Paid | -3.7B | -2.0B | -1.2B | -398.8M | -2.4B |
| Financing Cash Flow | -4.1B | -2.3B | -1.5B | -621.1M | -2.7B |
| Free Cash Flow | 13.4B | 2.9B | -2.0B | 3.3B | 12.1B |
Cash Flow Trend
Credicorp Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
11.27
Forward P/E
10.92
Price to Book
0.50
Price to Sales
0.96
PEG Ratio
10.92
Profitability Ratios
Profit Margin
30.76%
Operating Margin
53.26%
Return on Equity
16.64%
Return on Assets
2.38%
Financial Health
Debt to Equity
0.21
Beta
1.02
Per Share Data
EPS (TTM)
$20.04
Book Value per Share
$451.62
Revenue per Share
$236.02
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| bap | 17.9B | 11.27 | 0.50 | 16.64% | 30.76% | 0.21 |
| PNC Financial | 70.3B | 12.56 | 1.39 | 11.33% | 28.75% | 1.12 |
| U.S. Bancorp | 69.7B | 11.08 | 1.31 | 11.53% | 26.38% | 1.34 |
| Nu Holdings | 59.5B | 28.05 | 6.92 | 27.91% | 38.09% | 0.27 |
| NatWest Group plc | 56.7B | 9.09 | 2.72 | 12.78% | 35.02% | 4.06 |
| Deutsche Bank AG | 56.8B | 15.16 | 0.71 | 5.17% | 13.50% | 6.58 |
Financial data is updated regularly. All figures are in the company's reporting currency.