Credicorp LTD (BAP)

NYSE: BAP · Commercial Banks, NEC · Hamilton, BM · filing with the SEC since 1997

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Grade5.9

◀ Past 5.7● Present 5.7▶ Future 6.4

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Credicorp LTD

Nine metrics read from its own filings, by tense

Headline grade

5.9/10

◀ Past5.740% of the headline

● Present5.735% of the headline

▶ Future6.425% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.7/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

5.9/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 59th percentile among 33 sector filers · read for itself

From the record

Credicorp LTD's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

5.2/10

What has it actually done, year after year?

+6.4% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 52nd percentile among 22 sector filers · read for its customers

From the record

Credicorp LTD's 10 filed years say what it did: revenue went from PEN 16 billion in fiscal 2015 to PEN 27 billion in fiscal 2024, up 6.4% a year; it rose in 8 of 9 years; the deepest fall was 6% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span6.4%bottom 39% of its family
the share of years revenue rosetop 34% of its family
the share of filed years with a profittop 40% of its family
the deepest fall from a revenue peak6.4%bottom 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

5.6/10

How has it treated the people who own it?

Share count steady. 39% of cash flow returned. Insiders: 2 sales, 0 purchases.

weight 33% of this tense · 56th percentile among 29 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2024-12-31, Credicorp LTD's diluted share count held steady, and dividends and buybacks returned about 39% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 2 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 47% of its family
cash returned against operating cash flowtop 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.7/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

6.8/10

Is it financially healthy right now?

ROE 16%: 16¢ of profit per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar.

weight 45% of this tense · 68th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2024-12-31, Credicorp LTD earned about 16 cents of profit for every dollar of shareholders' money. Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 18% of its family
return on equitytop 21% of its family
the share count against the year beforebottom 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

4.8/10

How strong is its position in its industry?

bottom 48% of 21 in its family; net margin 20.5%.

weight 33% of this tense · 48th percentile among 21 sector filers · read for its customers

From the record

Credicorp LTD's standing among 21 graded names in its industry family: revenue of PEN 27 billion in fiscal 2024 is not ranked by size, since the family reports in another currency; a net margin of 20.5% ranks in the bottom 34%; revenue growth of 12.2% a year over the last 3 filed years ranks in the top 39% (its annual reports).

What it rests on

net margin20.5%bottom 34% of its family
three-year revenue growth12.2%top 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Credicorp LTD's leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.4/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

7.9/10

How much room does it have to grow?

top 21% of 19 in its family for room to expand.

weight 33% of this tense · 79th percentile among 19 sector filers · read for itself

From the record

Credicorp LTD's room to grow, from the newest filed statements (fiscal 2024): cash of PEN 48 billion against no long-term debt tagged leaves 18.6% of its assets as net cash, top 18% of its family; cash from operations less capital spending is 51.7% of revenue (top 24%) (its annual report).

What it rests on

cash less debt against assets18.6%top 18% of its family
cash from operations less capital spending against revenue51.7%top 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

6.5/10

What could actually drive growth from here?

top 35% of 22 in its family for growth drivers.

weight 33% of this tense · 65th percentile among 22 sector filers · read for its customers

From the record

Credicorp LTD's growth drivers, from the filed years to fiscal 2024: revenue grew 12.2% a year over the last three filed years against 6.4% over all 10, speeding up (top 17% of its family); the newest year grew 7% (bottom 39%); capital spending grew 42.2% a year (top 26%) (its annual reports). Credicorp LTD tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+5.8 points a yeartop 17% of its family
the newest year's revenue growth7.0%bottom 39% of its family
three-year growth of capital spending42.2%top 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

4.7/10

Did its newest year beat what its own record pointed to?

bottom 47% of 20 in its family for expectations against reality.

weight 33% of this tense · 47th percentile among 20 sector filers · read for its shareholders

From the record

Credicorp LTD's newest year against its own record: revenue of PEN 27 billion in fiscal 2024 came in 6.8% below the PEN 29 billion its prior three years' pace pointed to (bottom 45% of its family); net income of PEN 5.6 billion against a prior three-year average of PEN 4.5 billion (bottom 48%); a net margin of 20.5% against 20.3% before (bottom 48%) (its annual reports).

What it rests on

revenue against the prior three years' pace-6.8%bottom 45% of its family
net income against the prior three years' average+26%bottom 48% of its family
net margin against its prior average+0.2 pointsbottom 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BAP · research, not advice