BAP
Credicorp·NYSE
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BAP fundamentals
Credicorp (BAP) released its earnings on Feb 17, 2026: revenue was 1.78B (YoY +26.93%), beat estimates; EPS was 5.9172 (YoY +58.31%), missed estimates.
Revenue / YoY
1.78B
+26.93%
EPS / YoY
5.9172
+58.31%
Report date
Feb 17, 2026
BAP Earnings Call Summary for Q4,2025
- Record Performance: 2025 ROE 19%, highest in 5 years, driven by 3.5% Peru GDP growth and 15%+ revenue streams from digital platforms.
- Strategic Expansion: Helm Bank acquisition bolsters U.S. presence, while Yape lending clients +100% YoY.
- Efficiency Gains: Cost-to-income ratio 46.6% (vs. 49% target), with fee income growth of 11.7% YoY.
- Risk Management: NPL ratio 4.5%, cost of risk 1.8%, and 112.4% NPL coverage ratio.
- Digital Momentum: Yape MAUs +30%, with 66x monthly transactions per user and 62% revenue per MAU growth.
Earnings
EPS
Revenue
Revenue & Expenses
Key Indicators
Credicorp (BAP) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
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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Breakdown
Balance Sheet
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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Breakdown
Cash Flow
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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Revenue Breakdown
Where does Credicorp (BAP) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
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By Region
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Dividend
Track Credicorp (BAP) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What factors drove the changes in Credicorp's revenue and profit?Did Credicorp beat or miss consensus estimates last quarter?What does Credicorp do and what are its main business segments?What guidance did Credicorp's management provide for the next earnings period?What is the revenue and EPS growth rate for Credicorp year over year?What were the key takeaways from Credicorp’s earnings call?What is the market's earnings forecast for Credicorp next quarter?What were the key takeaways from Credicorp's earnings call?
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