Credicorp Ltd.

NYSE
BAP
Stock
Yield per half year: +5.99%
Dividend yield: 4.64%
Sector: Financials

Reporting Credicorp Ltd.

Capitalization

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 12.40 -9.42
Выручка, млрд S/.
12.51 13.36 13.49 14.82 13.6 14.43 17.34 71.57 66.67 66.67 36.72 37.43
Чистая прибыль, млрд S/.
3.51 4.09 3.98 4.27 0.3469 3.58 4.65 17.83 20.15 20.15 9.31 125.33
EV, млрд S/.
20.43 -1.9 210.07 185.76 0.4863 31.61 2.63 18.24 61.92 61.92 22.98 163.62
EBIT, млрд S/.
6.72 7.71 8.45 8.54 5.89 0.2369 5.25 10.28 25.09 -0.9824 9.35 33.62
EBITDA, млрд S/.
7.25 8.12 8.87 8.97 6.53 0.9139 5.94 10.92 27.53 -0.3153 10.37 33.35
OIBDA, млрд S/.
2.95 27.84 48.46 34.79 28.51 85.31
Баланс стоимость, млрд S/.
19.66 21.76 23.84 26.24 24.95 26.5 28.99 118.92 125.83 125.83 65.04 38.21
FCF, млрд S/.
-1.84 8.89 -0.7232 6.43 12.05 3.33 -2.03 10.73 3.39 3.39 5.49 -22.40
Операционный денежный поток, млрд S/.
-1.46 9.3 -0.122 6.93 12.69 3.97 -1.13 14.95 4.53 4.53 7.00 -18.62
Операционная прибыль, млрд S/.
7.71 8.45 8.54 5.89 0.2369 5.25 10.23 25.09 33.57 33.57 14.88 169.33
Операционные расходы, млрд S/.
5.14 -4.91 -4.95 -8.93 -13.36 -9.19 -7.11 46.48 33.11 33.11 9.99 -219.90
CAPEX, млрд S/.
0.3858 0.4156 0.6012 0.5067 0.6334 0.64 0.8964 4.22 1.14 1.14 1.51 12.47


Balance sheet

IFRS
Reporting Annual Quarterly
2001 2002 2003 2004 2005 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд S/.
16.63 23.21 22.14 25.96 36.73 39.29 34.11 124.01 73.53 73.53 61.53 14.89
Short Term Investments S/.
18.87 18.69 24.42 23.06 26.2 42.75 34.44 29.68 120.07 32.77 50.63 35.59
Long term investments S/.
14.15 17.33 28.98 34.11 28.96 31.62 56.64 50.59 46.93 47.23 46.60 8.36
Total Receivables S/.
0.648 2.52 3.23 2.85 11.52 11.01 13.3 11.99 45.79 12.5 18.72 31.78
Total Current Assets S/.
37.84 50.86 49.8 63.68 90.48 87.03 66.99 291.15 73.53 73.53 121.84 -4.06
Чистые активы, млрд S/.
2.09 1.55 1.51 1.48 2.25 2.08 1.9 2.37 28.99 2.37 7.52 66.73
Активы, млрд S/.
156.44 170.47 177.26 187.88 237.41 244.82 236.75 875.01 938.2 938.2 506.44 31.63
Short Term Debt S/.
0.4418 0.4394 0.3341 0.7671 3.02 25.6 5.25 3.02 0.5781 0.5781 7.49 -28.15
Long Term Debt S/.
23.86 23.21 24 23.36 23.58 22.3 24.2 25.87 96.15 26.25 38.42 32.46
Задолженность, млрд S/.
136.32 148.22 153 161.13 211.96 217.78 207.17 753.72 810.06 810.06 440.14 30.75
Чистый долг, млрд S/.
6.61 0.8389 1.58 -1.5 -13.82 -14.48 -8.1 -25.98 9.37 9.37 -10.6020 -192.52
Долг, млрд S/.
11.65 24.05 23.31 24.46 25.32 24.81 26.45 98.03 82.89 82.89 51.50 26.77
Interest income S/.
9.78 10.77 10.98 11.5 12.36 11.52 11.81 14.98 18.75 13.88 8.69
Расходы на обслуживание долга S/.
2.56 2.91 2.96 3.03 3.29 2.98 2.49 3.49 21.47 5.86 6.74 45.52
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 10.28 7.24
Goodwill S/.
0.7395 0.6314 0.6361 0.636 0.5913 0.886 0.8209 0.7969 0.7722 0.7985 0.8149 -2.06
Амортизация, млрд S/.
0.5294 0.4071 0.42 0.4365 0.6391 0.6769 0.6906 0.6436 2.44 0.6671 1.02 30.73
Себестоимость, млрд S/.
-0.0743 -0.156 -0.0085 0.4232 0.2711 0.3019 0.3187 2.33 12.28 3.35 3.10 114.39
Товарно материальные запасы S/.
0.0379 0.0247 0.0735 0.095 0.1331 0.1433 0.1351 0.1361 0.1361 1.28 0.3661 54.95


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 12.9 14.11 15.23 16.06 8.04 44.97 58.32 223.78 253.13 253.13 117.65 99.35
Цена акции ао 207.43 221.67 213.13 164.02 122.07 135.66 149.93 183.32 204.24 204.24 159.04 10.84
Число акций ао, млн 79.77 79.73 79.5 79.76 79.62 79.59 79.7 291.84 291.69 291.69 164.49 29.65
FCF/акцию -23.11 111.44 -9.1 80.58 151.38 41.87 -25.49 36.77 11.62 11.62 43.23 -40.16


Efficiency

IFRS
Reporting Annual Quarterly
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, % 17.88 18.81 16.71 16.26 1.39 13.53 16.75 15.84 16.47 16.47 23.22 12.80 63.96
ROA, % 2.25 2.4 2.25 2.27 0.1461 1.46 1.93 2.05 2.22 2.22 4.05 1.56 72.32
ROIC, % 9.17 10.93 10.6 5.09 10.99 13.13 5.45 9.32 11.98 14.41 8.01 10.86 1.88
ROS, % 30.63 29.54 28.77 2.55 24.83 26.8 24.91 30.22 30.22 30.22 22.65 27.40 4.01
ROCE, % 38.33 37.97 35.19 22.02 0.9311 19.4 4.37 2.94 -0.7667 -0.7667 26.26 5.37 -196.19
Ebit margin, % 39.72 1.74 36.34 59.25 35.06 -1.47 -1.47 26.18 -196.68
Рентаб EBITDA, % 64.87 66.41 66.54 44.04 6.72 41.12 62.97 38.47 -0.4729 -0.4729 36.41 29.76 -158.81
Чистая рентаб, % 28.09 30.63 29.54 28.77 2.55 24.83 26.8 24.91 30.22 30.22 22.53 21.86 63.96
Operation Margin, % 63.27 63.31 39.72 1.74 36.34 58.98 35.06 50.35 50.35 50.35 34.06 46.22 6.74
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 23.30 -4.11
Доходность FCF, % -19.84 -17.83 -16.35 60.62 -4.07 36.09 101.32 32.44 -18.26 26.98 35.71 -5.65


Coefficients

IFRS
Reporting Annual Quarterly
2013 2014 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
3.21 3.58 4.46 4.18 34.3 2.87 2.31 2.48 2.61 2.61 24.94 8.91 -40.26
P/BV
0.5735 0.6738 0.7456 0.6787 0.4769 0.3878 0.3628 0.3646 0.4101 0.4101 5.58 0.4004 -2.97
P/S
0.9009 1.1 1.32 1.2 0.8747 0.7119 0.6188 0.6179 0.7883 0.7883 5.06 0.7223 -2.06
P/FCF
1.65 -24.58 2.77 0.987 3.08 -5.48 3.71 3.77 3.26 3.26 7.71 1.67 1.14
E/P
0.2791 0.2241 0.2395 0.0292 0.3489 0.4177 0.4482 0.4407 1.83 1.83 1.16 0.6971 39.30
EV/EBIT
2.69 -3.22 -0.9064 0.2561 0.727 -5.07 -63.03 -63.03 -13.6047 133.59
EV/EBITDA
4.08 -0.3172 6.05 6.96 5.71 0.5322 2.9 0.241 0.6625 -15.79 -3.80 2.01 -35.00
EV/S
2.4 -0.1818 1.07 0.0358 -0.3294 0.1518 0.2549 0.9288 0.9288 0.9288 5.74 0.3870 -223.04
EV/FCF
15.84 0.7991 2.47 0.0403 -1.43 -1.3 1.7 18.27 18.27 18.27 13.03 7.10 -266.45
Debt/EBITDA
2.71 2.6 2.49 27.71 2.95 2.42 3.56 -84.87 -262.92 -262.92 -6.66 -67.7720 -345.47
Netdebt/Ebitda
0.0946 0.1758 -0.2305 -15.13 -2.44 -0.7418 -0.9437 22.5 -29.72 -29.72 -13.63 -2.2691 64.87
Debt/Ratio
0.268 0.086 0.1302 0.1067 0.1013 0.1117 0.112 0.0884 0.0884 0.0884 0.19 0.1004 -2.69
Debt/Equity
2.59 0.8335 0.932 1.02 0.9364 0.9123 0.8243 0.6587 6.32 6.32 8.96 1.93 46.50
Debt/Net Income
19.36 4.88 5.73 73 6.92 5.69 5.5 4.11 4.11 4.11 23.77 5.27 -9.90
PEG
-0.0402 -0.0402 -0.0402 0.00
Бета
0.72 0.87 0.8456 1.33 0.4099 0.4099 0.72 0.8351 -10.66
Индекс Альтмана
1.47 0.9581 -0.5583 0.042 0.1313 0.1335 0.1061 0.0555 0.2702 0.2702 4.70 0.1393 15.53


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 13.43 6.95 4.09 43.20
Дивиденд
8.95 0.44 8.4 8.8 5 0.398 0.679 3.84 10.84 13.74 4.15 16.74
Див доход, ао, %
4.87 0.1968 3.76 5.89 3.87 0.2892 0.2816 2.1 7.19 4.64 2.44 2.75 13.19
Дивиденды / прибыль, %
18.59 54.55 28.38 52.36 689.79 11.13 25.74 40.98 66.61 66.61 43.17 166.85 -37.34
Dividend Coverage Ratio
2.9 2.9 2.90 0.00


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Выручка, %
4.66 4.43 5.36 5.9 1.71 1.71 -18.17
Персонал, чел
36 233 36 358 36 968 37 074 0.58