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STOCKS

Credicorp (BAP)

NYSE:BAP

BAP

Credicorp

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Credicorp (BAP) Ratios

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314 Followers

Credicorp Ratios

BAP's free cash flow for Q3 2025 was S/.1.00. For the 2025 fiscal year, BAP's free cash flow was decreased by S/. and operating cash flow was S/.0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.53	0.49	45.17	25.19
Quick Ratio	0.00	0.53	0.49	45.17	25.19
Cash Ratio	0.00	0.27	0.21	23.00	11.37
Solvency Ratio	0.03	0.03	0.03	0.03	0.02
Operating Cash Flow Ratio	0.00	0.08	0.02	-0.77	1.15
Short-Term Operating Cash Flow Coverage	0.00	1.39	0.35	0.00	0.00
Net Current Asset Value	S/. -218.04B	S/. -126.91B	S/. -125.75B	S/. -140.18B	S/. -130.76B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.15	0.16	0.11	0.10
Debt-to-Equity Ratio	0.45	1.09	1.16	0.90	0.94
Debt-to-Capital Ratio	0.31	0.52	0.54	0.47	0.48
Long-Term Debt-to-Capital Ratio	0.31	0.44	0.44	0.47	0.48
Financial Leverage Ratio	6.98	7.46	7.36	8.17	9.24
Debt Service Coverage Ratio	1.17	0.39	0.32	-0.60	-0.67
Interest Coverage Ratio	2.38	1.36	1.17	2.93	2.11
Debt to Market Cap	0.24	0.67	0.84	0.62	0.64
Interest Debt Per Share	255.30	543.12	546.25	370.99	343.42
Net Debt to EBITDA	-0.48	-1.17	0.49	0.00	0.00
Profitability Margins
Gross Profit Margin	75.99%	64.20%	100.00%	100.00%	100.00%
EBIT Margin	26.04%	28.98%	35.06%	-3.71%	-4.78%
EBITDA Margin	28.34%	31.66%	38.47%	0.00%	0.00%
Operating Profit Margin	36.35%	28.98%	35.06%	58.98%	36.34%
Pretax Profit Margin	35.59%	28.98%	35.06%	39.53%	36.95%
Net Profit Margin	24.63%	20.38%	24.91%	26.80%	24.83%
Continuous Operations Profit Margin	25.20%	20.83%	25.39%	27.45%	25.44%
Net Income Per EBT	69.20%	70.31%	71.05%	67.79%	67.22%
EBT Per EBIT	97.91%	100.00%	100.00%	67.02%	101.66%
Return on Assets (ROA)	2.53%	2.15%	2.04%	1.96%	1.46%
Return on Equity (ROE)	18.31%	16.02%	14.99%	16.03%	13.53%
Return on Capital Employed (ROCE)	3.74%	9.79%	9.10%	4.35%	2.17%
Return on Invested Capital (ROIC)	2.65%	6.27%	5.70%	6.04%	2.68%
Return on Tangible Assets	2.58%	2.18%	2.07%	1.99%	1.48%
Earnings Yield	9.59%	10.00%	11.00%	11.33%	9.27%
Efficiency Ratios
Receivables Turnover	0.00	2.20	1.59	1.41	1.19
Payables Turnover	0.00	2.65	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.63	13.56	9.98	9.14	7.36
Asset Turnover	0.10	0.11	0.08	0.07	0.06
Working Capital Turnover Ratio	-0.60	-0.33	-0.23	0.23	0.17
Cash Conversion Cycle	0.00	28.11	229.71	258.83	306.47
Days of Sales Outstanding	0.00	165.79	229.71	258.83	306.47
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	137.68	0.00	0.00	0.00
Operating Cycle	0.00	165.79	229.71	258.83	306.47
Cash Flow Ratios
Operating Cash Flow Per Share	61.12	182.39	51.33	-14.27	49.98
Free Cash Flow Per Share	57.25	168.44	36.85	-25.54	41.93
CapEx Per Share	3.87	13.96	14.48	11.27	8.05
Free Cash Flow to Operating Cash Flow	0.94	0.92	0.72	1.79	0.84
Dividend Paid and CapEx Coverage Ratio	1.11	3.04	1.30	-0.54	3.82
Capital Expenditure Coverage Ratio	15.78	13.07	3.54	-1.27	6.21
Operating Cash Flow Coverage Ratio	0.30	0.39	0.11	-0.04	0.16
Operating Cash Flow to Sales Ratio	0.19	0.54	0.21	-0.07	0.28
Free Cash Flow Yield	6.77%	24.38%	6.62%	-4.95%	8.62%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.43	10.00	9.09	8.83	10.79
Price-to-Sales (P/S) Ratio	2.56	2.04	2.26	2.37	2.68
Price-to-Book (P/B) Ratio	1.84	1.60	1.36	1.42	1.46
Price-to-Free Cash Flow (P/FCF) Ratio	14.78	4.10	15.10	-20.20	11.60
Price-to-Operating Cash Flow Ratio	13.87	3.79	10.84	-36.15	9.73
Price-to-Earnings Growth (PEG) Ratio	2.98	0.76	1.88	0.30	0.01
Price-to-Fair Value	1.84	1.60	1.36	1.42	1.46
Enterprise Value Multiple	8.57	5.26	6.38	0.00	0.00
Enterprise Value	63.74B	45.00B	47.92B	32.93B	24.19B
EV to EBITDA	8.57	5.26	6.38	0.00	0.00
EV to Sales	2.43	1.67	2.45	1.90	1.68
EV to Free Cash Flow	14.00	3.36	16.36	-16.21	7.26
EV to Operating Cash Flow	13.11	3.10	11.75	-29.01	6.09
Tangible Book Value Per Share	410.62	398.00	375.97	335.48	306.03
Shareholders’ Equity Per Share	459.67	431.39	408.42	364.50	333.32
Tax and Other Ratios
Effective Tax Rate	0.29	0.28	0.28	0.31	0.31
Revenue Per Share	330.03	339.07	245.79	218.08	181.57
Net Income Per Share	81.29	69.09	61.22	58.44	45.09
Tax Burden	0.69	0.70	0.71	0.68	0.67
Interest Burden	1.37	1.00	1.00	-10.65	-7.72
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.32	0.27	0.34	0.35	0.40
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.75	2.58	0.84	-0.24	1.08

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