NYSE: BAP - Credicorp Ltd.

Yield per half year: +3.39%
Dividend yield: +0.54%
Sector: Financials

Reporting Credicorp Ltd.

Capitalization

IFRS
Reporting Annual Quarterly
2005 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Капитализация, млрд S/.
10.4 11.27 14.66 17.77 17.81 11.9 10.28 11.13 10.86 11.04
Выручка, млрд S/.
11.85 12.51 13.36 13.49 14.82 13.6 14.43 17.34 16.18 19.54
Чистая прибыль, млрд S/.
3.09 3.51 4.09 3.98 4.27 0.3469 3.58 4.65 4.87 4.87
EV, млрд S/.
-3.52 20.43 -1.9 210.07 185.76 0.4863 31.61 2.63 4.98 4.98
EBIT, млрд S/.
6.72 7.71 8.45 8.54 5.89 0.2369 5.25 10.28 -0.9824 -0.9824
EBITDA, млрд S/.
7.25 8.12 8.87 8.97 6.53 0.9139 5.94 10.92 -0.3153 -0.3153
Баланс стоимость, млрд S/.
16.13 19.66 21.76 23.84 26.24 24.95 26.5 28.99 32.46 32.46
FCF, млрд S/.
-1.85 -1.84 8.89 -0.7232 6.43 12.05 3.33 -2.03 2.93 2.93
Операционный денежный поток, млрд S/.
-1.36 -1.46 9.3 -0.122 6.93 12.69 3.97 -1.13 4.08 4.08
Операционная прибыль, млрд S/.
6.72 7.71 8.45 8.54 5.89 0.2369 5.25 10.23 7.07 7.07
Операционные расходы, млрд S/.
4.92 5.14 -4.91 -4.95 -8.93 -13.36 -9.19 -7.11 19.54 9.33
CAPEX, млрд S/.
0.4912 0.3858 0.4156 0.6012 0.5067 0.6334 0.64 0.8964 1.15 1.15


Balance sheet

IFRS
Reporting Annual Quarterly
2001 2002 2003 2004 2005 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд S/.
32.47 16.63 23.21 22.14 25.96 36.73 39.29 34.11 33.85 33.85
Short Term Investments S/.
18.87 18.69 24.42 23.06 26.2 42.75 34.44 29.68 32.77 32.77
Long term investments S/.
14.15 17.33 28.98 34.11 28.96 31.62 56.64 50.59 46.93 47.23
Total Receivables S/.
0.648 2.52 3.23 2.85 11.52 11.01 13.3 11.99 12.5 12.5
Total Current Assets S/.
41.46 37.84 50.86 49.8 63.68 90.48 87.03 66.99 79.47 6.85
Чистые активы, млрд S/.
2.09 1.55 1.51 1.48 2.25 2.08 1.9 2.37 28.99 2.37
Активы, млрд S/.
155.7 156.44 170.47 177.26 187.88 237.41 244.82 236.75 238.84 238.84
Short Term Debt S/.
0.4418 0.4394 0.3341 0.7671 3.02 25.6 5.25 3.02 0.5781 0.5781
Long Term Debt S/.
23.86 23.21 24 23.36 23.58 22.3 24.2 25.87 26.25 26.25
Задолженность, млрд S/.
138.97 136.32 148.22 153 161.13 211.96 217.78 207.17 205.73 205.73
Чистый долг, млрд S/.
-7.78 6.61 0.8389 1.58 -1.5 -13.82 -14.48 -8.1 -7.09 -7.09
Долг, млрд S/.
31.33 11.65 24.05 23.31 24.46 25.32 24.81 26.45 26.76 26.76
Interest income S/.
9.78 10.77 10.98 11.5 12.36 11.52 11.81 14.98 18.75
Расходы на обслуживание долга S/.
2.56 2.91 2.96 3.03 3.29 2.98 2.49 3.49 5.86 5.86
Чист. проц. доходы, млрд S/.
7.26 7.86 8.07 8.49 9.09 8.55 9.36 11.49 12.89 5.01
Goodwill S/.
0.7395 0.6314 0.6361 0.636 0.5913 0.886 0.8209 0.7969 0.7722 0.7985
Амортизация, млрд S/.
0.5294 0.4071 0.42 0.4365 0.6391 0.6769 0.6906 0.6436 0.6671 0.6671
Себестоимость, млрд S/.
-0.0783 -0.0743 -0.156 -0.0085 0.4232 0.2711 0.3019 0.3187 3.35 3.35
Товарно материальные запасы S/.
0.0379 0.0247 0.0735 0.095 0.1331 0.1433 0.1351 0.1361 0.1361 0.3486


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 11.89 12.9 14.11 15.23 16.06 8.04 44.97 58.32 61.08 61.08
Цена акции ао 207.43 221.67 213.13 164.02 122.07 135.66 149.93 183.32 184.4 184.4
Число акций ао, млн 79.73 79.77 79.73 79.5 79.76 79.62 79.59 79.7 79.66 79.66
FCF/акцию -23.25 -23.11 111.44 -9.1 80.58 151.38 41.87 -25.49 36.77 36.76


Efficiency

IFRS
Reporting Annual Quarterly
2002 2003 2004 2005 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 19.17 17.88 18.81 16.71 16.26 1.39 13.53 16.75 15.84 14.99 10.84
ROA, % 1.99 2.25 2.4 2.25 2.27 0.1461 1.46 1.93 2.05 2.04 3.71
ROIC, % 5.62 9.17 10.93 10.6 5.09 10.99 13.13 5.45 9.32 11.98 8.01
ROS, % 30.63 29.54 28.77 2.55 24.83 26.8 30.07 24.91 24.91 24.91 23.12
ROCE, % 38.33 37.97 35.19 22.02 0.9311 19.4 4.37 -0.4222 -2.97 -2.97 -0.57
Ebit margin, % 39.72 1.74 36.34 59.25 -6.07 -5.03 -5.03
Рентаб EBITDA, % 64.87 66.41 66.54 44.04 6.72 41.12 62.97 -1.95 -1.61 -1.61 33.45
Чистая рентаб, % 26.11 28.09 30.63 29.54 28.77 2.55 24.83 26.8 30.07 24.91 23.02
Operation Margin, % 63.27 63.31 39.72 1.74 36.34 58.98 43.68 36.19 36.19 36.19 34.35
Чистая процентная маржа, % 18.87 22.54 26.09 28.09 30.63 29.54 28.93 2.56 24.83 22.56 25.36
Доходность FCF, % -19.84 -17.83 -16.35 60.62 -4.07 36.09 101.32 32.44 -18.26 26.98


Coefficients

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
3.36 3.21 3.58 4.46 4.18 34.3 2.87 2.31 2.48 2.48 22.00
P/BV
0.6448 0.5735 0.6738 0.7456 0.6787 0.4769 0.3878 0.3628 0.3646 0.3646 2.50
P/S
0.8779 0.9009 1.1 1.32 1.2 0.8747 0.7119 0.6188 0.7459 0.6179 4.83
P/FCF
1.65 -24.58 2.77 0.987 3.08 -5.48 3.71 3.77 3.77 3.77 7.77
E/P
0.2791 0.2241 0.2395 0.0292 0.3489 0.4177 0.4482 0.4407 0.4407 0.4407 1.16
EV/EBITDA
4.08 -0.3172 6.05 6.96 5.71 0.5322 2.9 0.241 -15.79 -15.79 29.48
EV/EBIT
2.69 -3.22 -0.9064 0.2561 -5.07 -5.07 -5.07 -5.07
EV/S
2.4 -0.1818 1.07 0.0358 -0.3294 0.1518 0.3077 0.2549 0.2549 0.2549 5.45
EV/FCF
15.84 0.7991 2.47 0.0403 -1.43 -1.3 1.7 1.7 1.7 1.7 11.12
Debt/EBITDA
2.71 2.6 2.49 27.71 2.95 2.42 -84.87 -84.87 -84.87 -84.87 -6.06
Netdebt/Ebitda
0.0946 0.1758 -0.2305 -15.13 -2.44 -0.7418 22.5 22.5 22.5 22.5 -6.58
Debt/Ratio
0.268 0.086 0.1302 0.1067 0.1013 0.1117 0.112 0.112 0.112 0.112 0.19
Debt/Equity
2.59 0.8335 0.932 1.02 0.9364 0.9123 0.8243 11.29 11.29 11.29 21.98
Debt/Net Income
19.36 4.88 5.73 73 6.92 5.69 5.5 5.5 5.5 5.5 20.98
Бета
0.72 0.87 0.8456 1.33 0.329 0.329 1.27
Индекс Альтмана
1.47 0.9581 -0.5583 0.042 0.1313 0.1335 0.1061 0.0555 0.0555 0.0555 4.38


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.5512 0.6533 2.23 1.13 2.23 2.39 0.3988 1.99 1.99 6.95
Дивиденд
2.32 8.95 0.44 8.4 8.8 5 0.398 0.679 3.84 3.84
Див доход, ао, %
1.64 4.87 0.1968 3.76 5.89 3.87 0.2892 0.5135 0.5134 0.5407 2.46
Дивиденды / прибыль, %
17.82 18.59 54.55 28.38 52.36 689.79 11.13 25.74 40.98 40.98 44.83


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Other

IFRS
Reporting Annual
2021 2022 2023 2024 CAGR 5
Персонал, чел
36233 36358 36968 37074