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Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 9376.81M | 7824.53M | 6848.33M | 6855.89M | 5332.82M |
| Minority interest | - | -122.00M | -94.34M | -112.29M | -87.25M |
| Net income | 6528.03M | 5501.25M | 4865.54M | 4633.10M | 3584.58M |
| Selling general administrative | 4905.42M | 7214.08M | 6678.10M | 6036.98M | 5766.95M |
| Selling and marketing expenses | 514.43M | 770.97M | 720.72M | 653.43M | 486.88M |
| Gross profit | 23104.77M | 17331.82M | 15717.70M | 17343.20M | 14434.09M |
| Reconciled depreciation | - | 722.57M | 667.12M | 683.50M | 683.25M |
| Ebit | 9376.81M | 7824.53M | 6848.33M | 10229.68M | 5245.57M |
| Ebitda | 10218.70M | 8547.09M | 7515.45M | 10920.29M | 5935.75M |
| Depreciation and amortization | 841.90M | 722.57M | 667.12M | 690.61M | 690.18M |
| Operating income | 9376.81M | 7824.53M | 6848.33M | 10229.68M | 5245.57M |
| Other operating expenses | 20910.71M | 19171.88M | 18524.53M | -7113.52M | -9188.52M |
| Interest expense | 4914.55M | 5754.12M | 5860.52M | 3493.19M | 2488.43M |
| Tax provision | 2864.90M | 2201.28M | 1888.45M | 2110.50M | 1660.99M |
| Interest income | - | 19819.79M | 18752.42M | 14982.06M | 11809.77M |
| Net interest income | - | 14065.66M | 12891.89M | 11488.87M | 9361.98M |
| Income tax expense | 2700.52M | 2201.28M | 1888.45M | 2110.50M | 1660.99M |
| Total revenue | 30287.52M | 26996.41M | 25372.85M | 17343.20M | 14434.09M |
| Total operating expenses | 13727.96M | 9507.29M | 8869.37M | -7113.52M | -9188.52M |
| Cost of revenue | 7182.75M | 9664.59M | 9655.16M | - | - |
| Total other income expense net | - | -1337.86M | -220.93M | -3373.79M | 87.25M |
| Net income from continuing ops | - | 5623.25M | 4959.88M | 4745.39M | 3671.83M |
| Net income applicable to common shares | 6925.38M | 5501.25M | 4865.54M | 4633.10M | 3584.58M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 267338.68M | 256088.94M | 238840.19M | 236753.61M | 244821.98M |
| Intangible assets | 4764.39M | 2566.80M | 2427.02M | 2127.22M | 1913.22M |
| Earning assets | - | - | - | - | 55988.73M |
| Other current assets | - | 226.85M | 348.58M | 29795.09M | 113432.18M |
| Total liab | 230004.96M | 221111.71M | 205733.12M | 207173.90M | 217784.55M |
| Total stockholder equity | 36604.56M | 34346.45M | 32460.00M | 28988.14M | 26496.77M |
| Deferred long term liab | - | - | - | 1038.31M | 1033.49M |
| Other current liab | - | 161263.21M | 1403.02M | -2845.40M | -3454.36M |
| Common stock | 1318.99M | 1318.99M | 1318.99M | 1318.99M | 1318.99M |
| Capital stock | - | 1318.99M | 1318.99M | 1318.99M | 1318.99M |
| Retained earnings | 6915.72M | 5642.74M | 4572.44M | 4635.60M | 3556.28M |
| Other liab | - | - | - | 13712.64M | 20280.07M |
| Good will | - | 722.36M | 798.48M | 772.21M | 796.86M |
| Other assets | - | 1170.87M | -119955.98M | 118112.43M | 106708.87M |
| Cash | 43297.85M | 47506.91M | 33850.27M | 34111.53M | 39292.20M |
| Total current liabilities | 14440.20M | 176129.27M | 6147.89M | 1482.95M | 3454.36M |
| Net debt | -8762.29M | -10018.56M | -7092.35M | -8100.70M | -14480.39M |
| Short term debt | 14440.20M | 10433.77M | - | 578.07M | - |
| Short long term debt | - | 1373.06M | - | - | - |
| Short long term debt total | 34535.56M | 37488.36M | 26757.92M | 26010.83M | 24811.81M |
| Other stockholder equity | -61.12M | -32.57M | 26568.57M | 23683.66M | 21385.59M |
| Property plant equipment | 2672.46M | 2466.25M | - | 2373.49M | 1895.20M |
| Total current assets | 46691.08M | 94204.35M | 79470.58M | 66989.80M | 87028.43M |
| Long term investments | - | 48858.88M | 47234.54M | 46927.02M | 50585.86M |
| Net tangible assets | - | - | - | 26088.71M | 23786.69M |
| Short term investments | 1220.27M | 34208.19M | 32774.08M | 29678.06M | 34440.09M |
| Net receivables | 2172.96M | 12262.40M | 12497.65M | 11988.98M | 13296.14M |
| Long term debt | 24700.77M | 26649.77M | 26245.34M | 25944.60M | 24195.85M |
| Inventory | - | - | 348.58M | 136.08M | 136.12M |
| Accounts payable | - | 3645.63M | 4017.82M | 3750.28M | 3454.36M |
| Accumulated other comprehensive income | 28430.96M | 27417.29M | 26548.36M | -650.12M | 235.90M |
| Treasury stock | - | - | - | - | -207.53M |
| Non currrent assets other | 11072.26M | 3540.70M | -52418.19M | 3445.32M | -51084.68M |
| Non current assets total | 220647.60M | 161214.14M | 279325.59M | 51651.38M | 51084.68M |
| Capital lease obligations | - | 404.82M | 512.58M | 578.07M | 655.29M |
| Long term debt total | 24700.77M | 28150.23M | - | 25868.43M | 24195.85M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | 527.56M | -1255.06M | -1094.96M | -3087.07M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1552.48M | 527.56M | -1255.06M | 1817.66M | -3727.71M |
| Net borrowings | - | 2131.51M | -95.34M | -251.23M | 28.02M |
| Total cash from financing activities | -1620.12M | -1810.42M | -2264.35M | -1600.82M | -465.30M |
| Change to operating activities | - | - | - | -9700.52M | -12886.74M |
| Net income | 6925.38M | 5623.25M | 4865.54M | 4745.39M | 3671.83M |
| Change in cash | -47570.10M | 13649.49M | -200.35M | -5172.58M | 2559.78M |
| Begin period cash flow | 47570.10M | 33920.61M | 34120.96M | 39293.54M | 36733.77M |
| End period cash flow | - | 47570.10M | 33920.61M | 34120.96M | 39293.54M |
| Total cash from operating activities | 8051.15M | 14522.09M | 4079.72M | -1134.88M | 3972.99M |
| Issuance of capital stock | - | 0.00M | 0.00M | 9.95M | 3.75M |
| Depreciation | 893.14M | 722.57M | 667.12M | 690.61M | 690.18M |
| Other cashflows from investing activities | -1552.48M | -726.37M | -813.32M | 2011.56M | 4215.82M |
| Dividends paid | 2998.92M | 3664.65M | 1994.04M | -1196.42M | -398.81M |
| Sale purchase of stock | -112.41M | -110.89M | -85.58M | -83.61M | -58.91M |
| Other cashflows from financing activities | 13809.16M | -166.39M | -89.40M | -174.21M | 143.81M |
| Change to netincome | - | - | - | 2178.12M | 1845.89M |
| Capital expenditures | 315.95M | 1111.43M | 1151.17M | 896.37M | 640.03M |
| Change in working capital | -1928.21M | 5964.93M | -3209.47M | -8554.89M | -2085.72M |
| Stock based compensation | - | 104.85M | 83.33M | 88.72M | 74.00M |
| Other non cash items | 3053.98M | 2161.44M | 1749.29M | 1782.23M | 1075.31M |
| Free cash flow | 7735.20M | 13410.66M | 2928.55M | -2031.25M | 3332.96M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BAP Credicorp Ltd |
-5.20 1.41% |
363.54 | 14.05 | 12.64 | 1.33 | 2.71 | 5.07 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.
| Name | Title | Year Born |
|---|---|---|
| Mr. Alejandro Perez-Reyes | Chief Operating Officer | NA |
| Mr. Luis Enrique Romero Belismelis | Exec. Chairman | 1961 |
| Mr. Gianfranco Piero Dario Ferrari de Las Casas | Chief Exec. Officer | 1965 |
| Mr. Cesar Rios Briceno | CFO & Head of Fin. | NA |
| Mr. José Luis Muñoz Rivera | Head of Accounting | NA |
| Mr. Eduardo Montero Dasso | Head of Investment Banking & Wealth Management | NA |
| Ms. Milagros Cigüeñas | Head of Investor Relations | NA |
| Ms. Barbara Falero | Chief Compliance & Ethics Officer | NA |
| Mr. Guillermo Morales | Head of Legal & Deputy Gen. Sec. | NA |
| Mr. Enzo Tolentino | Head of the Area of Continuous Auditing & Corp. Devel. | NA |
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