BAP
Credicorp·NYSE
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BAP fundamentals
Credicorp (BAP) released its earnings on Nov 17, 2025: revenue was 1.52B (YoY +9.35%), missed estimates; EPS was 6.5 (YoY +27.70%), beat estimates.
Revenue / YoY
1.52B
+9.35%
EPS / YoY
6.5
+27.70%
Report date
Nov 17, 2025
BAP Earnings Call Summary for Q3,2025
- Record Performance: Q3 ROE of 19.6%, driven by 7.4% innovation portfolio contribution and 7% FX-neutral loan growth. NIM of 6.6% and NPL ratio of 4.8% reflect strong asset quality.
- Yape Growth Engine: 15.5M users, revenue nearly doubled YoY, targeting triple by 2028. Lending clients +3M, with 1M first-time borrowers.
- Strategic Targets: Medium-term ROE of 19.5% and efficiency ratio of 42%, supported by digital monetization and disciplined risk management.
- Political Resilience: Despite Peru's political volatility, 2025 GDP growth projected at 3.4% with inflation comfortably within target range.
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Key Indicators
Credicorp (BAP) key financial stats and ratios, covering profitability, financial health, and leverage.
Credicorp (BAP)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Credicorp (BAP)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Credicorp (BAP)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Credicorp (BAP) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Credicorp (BAP) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the revenue and EPS growth rate for Credicorp year over year?What were the key takeaways from Credicorp’s earnings call?Did Credicorp beat or miss consensus estimates last quarter?What is Credicorp's latest dividend and current dividend yield?What guidance did Credicorp's management provide for the next earnings period?What factors drove the changes in Credicorp's revenue and profit?What is the market's earnings forecast for Credicorp next quarter?What were the key takeaways from Credicorp's earnings call?
