BAP
Credicorp·NYSE
--
--(--)
--
--(--)
5.00 / 10
Netural
BAP's fundamental status is rated Neutral. Key positives include a 21.67% year-over-year profit growth and a solid 42.17% gross profit margin, both in higher performance quartiles. However, challenges such as a PB-ROE of 1.2397 (also in a higher group but indicating potential overvaluation) temper the overall score. Net assets per share grew 4.45% year-over-year, reinforcing asset strength. The weighted factor model yields a summation score of 5.0, aligning with the Neutral rating and suggesting room for improvement in valuation metrics before a more bullish stance is justified.
Analysis Checks(9/10)
Net assets per share (growth rate compared to beginning of year %)
Value4.45
Score3/3
Weight8.53%
1M Return4.47%
Value4.45
Score3/3
Weight8.53%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value97.95
Score2/3
Weight8.64%
1M Return4.63%
Value97.95
Score2/3
Weight8.64%
1M Return4.63%
Profit-MV
Value1.54
Score3/3
Weight14.13%
1M Return6.98%
Value1.54
Score3/3
Weight14.13%
1M Return6.98%
PB-ROE
Value1.24
Score1/3
Weight8.89%
1M Return4.93%
Value1.24
Score1/3
Weight8.89%
1M Return4.93%
Asset-MV
Value-0.50
Score2/3
Weight14.31%
1M Return7.51%
Value-0.50
Score2/3
Weight14.31%
1M Return7.51%
Revenue-MV
Value-0.26
Score2/3
Weight12.03%
1M Return6.44%
Value-0.26
Score2/3
Weight12.03%
1M Return6.44%
Gross profit margin (%)
Value42.17
Score3/3
Weight6.12%
1M Return3.43%
Value42.17
Score3/3
Weight6.12%
1M Return3.43%
Total profit (YoY growth rate %)
Value21.67
Score2/3
Weight6.87%
1M Return3.74%
Value21.67
Score2/3
Weight6.87%
1M Return3.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.12%
1M Return3.43%
Value100.00
Score3/3
Weight6.12%
1M Return3.43%
Cash-MV
Value-0.07
Score3/3
Weight14.37%
1M Return7.61%
Value-0.07
Score3/3
Weight14.37%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value4.45
Score3/3
Weight8.53%
1M Return4.47%
Value4.45
Score3/3
Weight8.53%
1M Return4.47%
Revenue-MV
Value-0.26
Score2/3
Weight12.03%
1M Return6.44%
Value-0.26
Score2/3
Weight12.03%
1M Return6.44%
Net profit attributable to parent company shareholders / Net profit (%)
Value97.95
Score2/3
Weight8.64%
1M Return4.63%
Value97.95
Score2/3
Weight8.64%
1M Return4.63%
Gross profit margin (%)
Value42.17
Score3/3
Weight6.12%
1M Return3.43%
Value42.17
Score3/3
Weight6.12%
1M Return3.43%
Profit-MV
Value1.54
Score3/3
Weight14.13%
1M Return6.98%
Value1.54
Score3/3
Weight14.13%
1M Return6.98%
Total profit (YoY growth rate %)
Value21.67
Score2/3
Weight6.87%
1M Return3.74%
Value21.67
Score2/3
Weight6.87%
1M Return3.74%
PB-ROE
Value1.24
Score1/3
Weight8.89%
1M Return4.93%
Value1.24
Score1/3
Weight8.89%
1M Return4.93%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.12%
1M Return3.43%
Value100.00
Score3/3
Weight6.12%
1M Return3.43%
Asset-MV
Value-0.50
Score2/3
Weight14.31%
1M Return7.51%
Value-0.50
Score2/3
Weight14.31%
1M Return7.51%
Cash-MV
Value-0.07
Score3/3
Weight14.37%
1M Return7.61%
Value-0.07
Score3/3
Weight14.37%
1M Return7.61%
Is BAP fundamentally strong?
- BAP scores 5.00/10 on fundamentals and holds a Fair valuation at present. Backed by its 4.98% ROE, 26.52% net margin, 18.21 P/E ratio, 2.82 P/B ratio, and 13.98% earnings growth, these metrics solidify its Netural investment rating.
