Credicorp reported strong financial performance with a record ROE and successful digital innovation, despite challenges related to tax disputes and slower loan growth.

Company Guidance -

Q3 2025

During the Credicorp Limited Second Quarter 2025 Conference Call, the company provided optimistic guidance for the fiscal year 2025. Key metrics highlighted included an expected Return on Equity (ROE) of approximately 19% for the year, with a longer-term outlook of around 19.5%. The ROE for the second quarter was reported at 20.7%, supported by strong operating performance and disciplined risk management. Credicorp's risk-adjusted Net Interest Margin (NIM) reached a record 5.4%, aided by improved asset quality and a low-cost funding structure. Asset quality showed improvement, with the Non-Performing Loan (NPL) ratio standing at 5%. The efficiency ratio was within the expected range at 44.2%, and the company noted that investments in digital and innovation initiatives, such as the Yape platform, contributed 6.2% of risk-adjusted revenues. Additionally, the company maintained its guidance for a loan book growth of around 6.5% year-over-year in end-of-period balances, supporting a robust outlook for economic activity in Peru, with GDP expected to grow by 3.2% and domestic demand by 4.5%.

Strong Macroeconomic Environment

Peru's GDP is expected to grow by 3.2% this year, with domestic demand growing around 4.5%. Inflation is below 2%, and real wages are recovering, with formal employment expanding.

Record ROE Performance

Credicorp's Q2 results reflect an ROE of 20.7%, supported by strong operating performance and disciplined risk management.

Innovation and Digital Growth

Yape continues to scale, serving nearly 15 million monthly active users. It is one of the top 5 contributors to fee income in the Peruvian financial system.

Improved Credit Dynamics

Risk-adjusted NIM hit a record 5.4%, aided by improved asset quality and a low-cost funding structure. NPL ratio stood at 5%, with a cost of risk of 1.6%.

Credicorp (BAP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BAP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 13, 2025	2025 (Q3)	5.94 / -	5.405	―	―	―
Aug 14, 2025	2025 (Q2)	5.95 / 6.45	4.754	35.71% (+1.70)
May 15, 2025	2025 (Q1)	5.64 / 6.31	5.377	17.37% (+0.93)
Feb 10, 2025	2024 (Q4)	4.64 / 3.99	3	33.02% (+0.99)
Nov 07, 2024	2024 (Q3)	5.04 / 5.41	4.386	23.23% (+1.02)
Aug 08, 2024	2024 (Q2)	5.16 / 4.75	4.972	-4.38% (-0.22)
May 09, 2024	2024 (Q1)	4.66 / 5.38	4.913	9.45% (+0.46)
Feb 08, 2024	2023 (Q4)	3.01 / 3.00	3.803	-21.13% (-0.80)
Nov 02, 2023	2023 (Q3)	4.52 / 4.39	4.621	-5.08% (-0.23)
Aug 10, 2023	2023 (Q2)	4.58 / 4.97	3.979	24.96% (+0.99)

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
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%
Nov 07, 2024	$172.83	$175.29	+1.42%

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 Nov 13, 2025, Before Open (Confirmed).

What is Credicorp (BAP) earnings time?

Credicorp (BAP) earnings time is at Nov 13, 2025, 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 (Q3) is 5.94.

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