Credicorp Ltd. | Large-cap | Financial Services
$254.99
-2.39%
| Credicorp Stock Comparison:
Credicorp vs Nu HoldingsCredicorp vs U.S. BancorpCredicorp vs PNC FinancialCredicorp vs Deutsche Bank AGCredicorp vs NatWest Group plcCredicorp vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 1.8B
Net Income 544.0M 30.51%
EPS (Diluted) $22.80

Balance Sheet Metrics

Total Assets 72.7B
Total Liabilities 62.4B
Shareholders Equity 10.2B
Debt to Equity 6.10

Cash Flow Metrics

Operating Cash Flow 6.0B
Free Cash Flow 3.2B

Revenue & Profitability Trend

Credicorp Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 6.2B 19.5B 16.7B 16.7B 15.2B
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 2.3B 7.4B 6.6B 8.3B 6.7B
Other Operating Expenses i - - - - -
Total Operating Expenses i 2.3B 7.4B 6.6B 8.3B 6.7B
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 2.3B 6.8B 6.9B 5.3B 224.2M
Income Tax i 642.3M 1.9B 2.1B 1.7B -110.0M
Effective Tax Rate % i 28.1% 27.6% 30.7% 31.1% -49.1%
Net Income i 1.6B 5.0B 4.8B 3.7B 334.1M
Net Margin % i 26.5% 25.4% 28.5% 21.9% 2.2%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $69.24 $61.22 $58.25 $45.09 $4.37
EPS (Diluted) i $69.09 $61.08 $58.25 $44.99 $4.36
Basic Shares Outstanding i 23180771 291063639 295762897 295618212 295306768
Diluted Shares Outstanding i 23180771 291063639 295762897 295618212 295306768

Income Statement Trend

Credicorp Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 13.9B 33.9B 34.1B 39.3B 36.7B
Short-term Investments i 10.0B 32.8B 29.7B 34.4B 42.7B
Accounts Receivable i 769.7M 1.5B 1.4B 1.3B 1.2B
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i 310.2M 972.9M 911.9M 4.5B 822.0M
Goodwill i 1.2B 4.0B 3.7B 3.5B 3.5B
Intangible Assets i 748.9M 2.4B 2.1B 1.9B 1.8B
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 74.7B 238.8B - - -
Liabilities
Current Liabilities
Accounts Payable i 1.1B 4.0B 3.3B 2.9B 1.9B
Short-term Debt i 400.6M - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 7.9B 26.8B 26.0B 25.7B 22.9B
Deferred Tax Liabilities i 17.2M 107.5M 75.0M 74.2M 105.5M
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 64.5B - - - -
Equity
Common Stock i 384.8M 1.3B 1.3B 1.3B 1.3B
Retained Earnings i 1.6B 4.6B 4.3B 3.2B 347.2M
Treasury Stock i 60.9M 208.0M 207.5M 207.5M 208.4M
Other Equity - - - - -
Total Shareholders Equity i 10.2B 33.1B 29.6B 26.8B 25.4B
Key Metrics
Total Debt i 8.3B 26.8B 26.0B 25.7B 22.9B
Working Capital i 0 0 0 0 0

Balance Sheet Composition

Credicorp Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 1.6B 5.0B 4.8B 3.7B 334.1M
Depreciation & Amortization i 210.1M 667.1M 643.6M 690.6M 676.9M
Stock-Based Compensation i 30.5M 83.3M 81.7M 74.0M 104.5M
Working Capital Changes i 3.3B 2.9B 7.0B 13.6B 7.6B
Operating Cash Flow i 5.3B 8.9B 12.6B 19.6B 8.9B
Investing Activities
Capital Expenditures i -61.6M -269.2M -187.3M -96.3M -75.2M
Acquisitions i 0 -5.6M 0 0 0
Investment Purchases i -51.3M -1.4B -1.1B -3.7B -2.8B
Investment Sales i 506.0M 1.2B 1.0B 590.6M 1.6B
Investing Cash Flow i 393.1M -388.6M -303.8M -3.2B -1.3B
Financing Activities
Share Repurchases i -32.2M -85.6M -83.6M -58.9M -152.0M
Dividends Paid i -1.1B -2.0B -1.2B -398.8M -2.4B
Debt Issuance i - - - - -
Debt Repayment i -44.4M -157.4M -156.5M -155.1M -163.4M
Financing Cash Flow i -1.2B -2.3B -1.5B -621.1M -2.7B
Free Cash Flow i 3.9B 2.9B -2.0B 3.3B 12.1B
Net Change in Cash i 4.5B 6.2B 10.8B 15.7B 4.8B

Cash Flow Trend

Credicorp Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 11.92
Forward P/E 12.70
Price to Book 0.60
Price to Sales 1.06
PEG Ratio 0.34

Profitability Ratios

Profit Margin 31.66%
Operating Margin 49.90%
Return on Equity 18.78%
Return on Assets 2.57%

Financial Health

Debt to Equity 0.71
Beta 1.08

Per Share Data

EPS (TTM) $22.03
Book Value per Share $434.18
Revenue per Share $248.57

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
bap 21.3B 11.92 0.60 18.78% 31.66% 0.71
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
PNC Financial 70.3B 12.56 1.39 11.33% 28.75% 1.12
Deutsche Bank AG 67.2B 12.12 0.85 8.14% 20.55% 6.12
NatWest Group plc 61.4B 9.35 3.33 13.02% 35.31% 3.32

Financial data is updated regularly. All figures are in the company's reporting currency.