BAP
Credicorp·NYSE
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5.48 / 10
Netural
Credicorp's fundamentals score 5.5/10, indicating an average profile. Key positives include a high gross profit margin of 42.18% and a strong total-profit-to-EBIT ratio of 100%, which support operational efficiency. However, elevated PB-ROE (1.1859) and sub-optimal asset-to-market value (-0.5066) raise valuation and balance-sheet concerns. These mixed metrics place the company in a selective investment category rather than a clear buy or hold.
Analysis Checks(8/10)
Revenue-MV
Value-0.26
Score3/3
Weight14.25%
1M Return6.83%
Value-0.26
Score3/3
Weight14.25%
1M Return6.83%
Net profit attributable to parent company shareholders / Net profit (%)
Value97.95
Score2/3
Weight8.76%
1M Return4.51%
Value97.95
Score2/3
Weight8.76%
1M Return4.51%
PB-ROE
Value1.19
Score1/3
Weight8.71%
1M Return4.74%
Value1.19
Score1/3
Weight8.71%
1M Return4.74%
ROE (diluted) (%)
Value4.96
Score3/3
Weight8.99%
1M Return4.63%
Value4.96
Score3/3
Weight8.99%
1M Return4.63%
ROE (%)
Value5.07
Score3/3
Weight9.16%
1M Return4.73%
Value5.07
Score3/3
Weight9.16%
1M Return4.73%
Annualized return on equity (%)
Value20.26
Score3/3
Weight9.16%
1M Return4.73%
Value20.26
Score3/3
Weight9.16%
1M Return4.73%
Gross profit margin (%)
Value42.18
Score3/3
Weight6.42%
1M Return3.46%
Value42.18
Score3/3
Weight6.42%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.40%
1M Return3.44%
Value100.00
Score3/3
Weight6.40%
1M Return3.44%
Asset-MV
Value-0.51
Score1/3
Weight12.51%
1M Return5.62%
Value-0.51
Score1/3
Weight12.51%
1M Return5.62%
Cash-MV
Value-0.07
Score3/3
Weight15.62%
1M Return7.53%
Value-0.07
Score3/3
Weight15.62%
1M Return7.53%
Revenue-MV
Value-0.26
Score3/3
Weight14.25%
1M Return6.83%
Value-0.26
Score3/3
Weight14.25%
1M Return6.83%
Annualized return on equity (%)
Value20.26
Score3/3
Weight9.16%
1M Return4.73%
Value20.26
Score3/3
Weight9.16%
1M Return4.73%
Net profit attributable to parent company shareholders / Net profit (%)
Value97.95
Score2/3
Weight8.76%
1M Return4.51%
Value97.95
Score2/3
Weight8.76%
1M Return4.51%
Gross profit margin (%)
Value42.18
Score3/3
Weight6.42%
1M Return3.46%
Value42.18
Score3/3
Weight6.42%
1M Return3.46%
PB-ROE
Value1.19
Score1/3
Weight8.71%
1M Return4.74%
Value1.19
Score1/3
Weight8.71%
1M Return4.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.40%
1M Return3.44%
Value100.00
Score3/3
Weight6.40%
1M Return3.44%
ROE (diluted) (%)
Value4.96
Score3/3
Weight8.99%
1M Return4.63%
Value4.96
Score3/3
Weight8.99%
1M Return4.63%
Asset-MV
Value-0.51
Score1/3
Weight12.51%
1M Return5.62%
Value-0.51
Score1/3
Weight12.51%
1M Return5.62%
ROE (%)
Value5.07
Score3/3
Weight9.16%
1M Return4.73%
Value5.07
Score3/3
Weight9.16%
1M Return4.73%
Cash-MV
Value-0.07
Score3/3
Weight15.62%
1M Return7.53%
Value-0.07
Score3/3
Weight15.62%
1M Return7.53%
Is BAP fundamentally strong?
- BAP scores 5.48/10 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.
