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Credicorp (BAP)
NYSE:BAP
Earnings Data
Report Date
Feb 12, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
6.33Last Year’s EPS
4.19Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Credicorp's third quarter results reflect strong financial performance, improved asset quality, and a positive macroeconomic outlook. The company is successfully expanding its digital ecosystem and diversifying revenue streams. However, political uncertainty in Peru and challenges in Bolivia present risks. Overall, the highlights significantly outweigh the lowlights.Company Guidance
Strong Financial Performance
Credicorp reported a robust third quarter with an ROE of 19.6%, driven by strong performance across core businesses and strategic priorities. The company also achieved a risk-adjusted NIM of 5.5%.
Digital Ecosystem Expansion
Credicorp's digital platforms, including Yape, Tenpo, and Warda, are playing a significant role in revenue generation. Yape contributed 6.6% of risk-adjusted revenue, and the company aims to expand its user base to 18 million by 2028.
Improved Asset Quality
Asset quality has improved with NPLs contracting and a cost of risk at 1.7%. The NPL ratio stood at 4.8%, and the company expects further enhancements.
Positive Macroeconomic Outlook
Macroeconomic indicators in Peru and other regions show a positive outlook, with GDP growth projected between 3% to 3.5% and inflation within the Central Bank's target range.
Loan Growth and Revenue Diversification
FX-neutral loan growth accelerated to 7% year-over-year, with healthy origination pipelines in Retail Banking and Microfinance. Other core income grew 11.9%, indicating revenue diversification.
BAP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BAP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Nov 13, 2025 | $252.15 | $253.80 | +0.65% |
Aug 14, 2025 | $250.36 | $251.88 | +0.61% |
May 15, 2025 | $197.58 | $195.70 | -0.95% |
Feb 10, 2025 | $180.98 | $178.53 | -1.35% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Credicorp (BAP) report earnings?
Credicorp (BAP) is schdueled to report earning on Feb 12, 2026, Before Open (Confirmed).
What is Credicorp (BAP) earnings time?
Credicorp (BAP) earnings time is at Feb 12, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BAP EPS forecast?
BAP EPS forecast for the fiscal quarter 2025 (Q4) is 6.33.