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STOCKS

Credicorp (BAP)

NYSE:BAP

BAP

Credicorp

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Credicorp (BAP) Ratios

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327 Followers

Credicorp Ratios

BAP's free cash flow for Q4 2025 was S/.0.77. For the 2025 fiscal year, BAP's free cash flow was decreased by S/. and operating cash flow was S/.0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	3.15	3.23	0.53	0.49	0.47
Quick Ratio	3.15	3.23	0.53	0.49	0.47
Cash Ratio	3.00	3.00	0.27	0.21	0.21
Solvency Ratio	0.03	0.03	0.03	0.03	0.03
Operating Cash Flow Ratio	0.61	0.56	0.08	0.02	>-0.01
Short-Term Operating Cash Flow Coverage	0.61	0.56	1.39	0.35	-0.08
Net Current Asset Value	S/. -184.53B	S/. -183.31B	S/. -126.91B	S/. -125.75B	S/. -129.14B
Leverage Ratios
Debt-to-Assets Ratio	0.13	0.13	0.15	0.16	0.17
Debt-to-Equity Ratio	0.94	0.94	1.09	1.16	1.36
Debt-to-Capital Ratio	0.49	0.49	0.52	0.54	0.58
Long-Term Debt-to-Capital Ratio	0.35	0.35	0.44	0.44	0.46
Financial Leverage Ratio	7.30	7.30	7.46	7.36	8.12
Debt Service Coverage Ratio	0.41	0.39	0.39	0.32	0.30
Interest Coverage Ratio	2.06	1.91	1.36	1.17	1.75
Debt to Market Cap	0.38	0.44	0.67	0.85	0.95
Interest Debt Per Share	494.68	494.46	543.12	546.25	545.83
Net Debt to EBITDA	-0.81	-0.86	-1.17	0.49	0.72
Profitability Margins
Gross Profit Margin	75.41%	76.28%	64.20%	61.95%	71.55%
EBIT Margin	36.24%	30.96%	28.98%	26.99%	33.31%
EBITDA Margin	38.52%	33.74%	31.66%	29.62%	36.43%
Operating Profit Margin	36.24%	30.96%	28.98%	26.99%	33.31%
Pretax Profit Margin	35.53%	30.96%	28.98%	26.99%	33.31%
Net Profit Margin	24.74%	21.55%	20.38%	19.18%	22.53%
Continuous Operations Profit Margin	25.30%	22.04%	20.83%	19.55%	23.08%
Net Income Per EBT	69.62%	69.62%	70.31%	71.05%	67.65%
EBT Per EBIT	98.03%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	2.59%	2.44%	2.15%	2.04%	1.97%
Return on Equity (ROE)	19.28%	17.83%	16.02%	14.99%	16.02%
Return on Capital Employed (ROCE)	4.01%	3.71%	9.79%	9.10%	9.66%
Return on Invested Capital (ROIC)	2.70%	2.50%	6.27%	5.70%	5.59%
Return on Tangible Assets	2.63%	2.49%	2.18%	2.07%	2.00%
Earnings Yield	7.70%	8.48%	10.00%	11.10%	11.33%
Efficiency Ratios
Receivables Turnover	12.86	13.94	2.20	2.06	1.68
Payables Turnover	0.00	0.00	2.65	2.54	1.88
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.55	10.35	13.56	12.96	10.87
Asset Turnover	0.10	0.11	0.11	0.11	0.09
Working Capital Turnover Ratio	-0.97	-1.22	-0.33	-0.30	-0.23
Cash Conversion Cycle	28.37	26.19	28.11	33.32	23.47
Days of Sales Outstanding	28.37	26.19	165.79	176.86	217.64
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	137.68	143.53	194.17
Operating Cycle	28.37	26.19	165.79	176.86	217.64
Cash Flow Ratios
Operating Cash Flow Per Share	110.44	100.91	182.39	51.33	-14.48
Free Cash Flow Per Share	106.13	96.95	168.44	36.85	-25.75
CapEx Per Share	4.31	3.96	13.96	14.48	11.27
Free Cash Flow to Operating Cash Flow	0.96	0.96	0.92	0.72	1.78
Dividend Paid and CapEx Coverage Ratio	2.41	2.43	3.04	1.30	-0.55
Capital Expenditure Coverage Ratio	25.61	25.48	13.07	3.54	-1.28
Operating Cash Flow Coverage Ratio	0.26	0.23	0.39	0.11	-0.03
Operating Cash Flow to Sales Ratio	0.32	0.27	0.54	0.16	-0.06
Free Cash Flow Yield	9.47%	10.05%	24.38%	6.68%	-4.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.93	11.79	10.00	9.01	8.83
Price-to-Sales (P/S) Ratio	3.18	2.54	2.04	1.73	1.99
Price-to-Book (P/B) Ratio	2.44	2.10	1.60	1.35	1.41
Price-to-Free Cash Flow (P/FCF) Ratio	10.51	9.95	4.10	14.97	-20.03
Price-to-Operating Cash Flow Ratio	10.15	9.56	3.79	10.74	-35.63
Price-to-Earnings Growth (PEG) Ratio	1.82	0.46	0.76	1.86	0.30
Price-to-Fair Value	2.44	2.10	1.60	1.35	1.41
Enterprise Value Multiple	7.45	6.68	5.26	6.33	6.18
Enterprise Value	80.64B	68.23B	45.00B	47.54B	46.45B
EV to EBITDA	7.49	6.68	5.26	6.33	6.18
EV to Sales	2.89	2.25	1.67	1.87	2.25
EV to Free Cash Flow	9.53	8.82	3.36	16.23	-22.68
EV to Operating Cash Flow	9.16	8.47	3.10	11.65	-40.34
Tangible Book Value Per Share	408.40	408.21	398.00	375.97	335.68
Shareholders’ Equity Per Share	459.00	458.79	431.39	408.42	364.70
Tax and Other Ratios
Effective Tax Rate	0.29	0.29	0.28	0.28	0.31
Revenue Per Share	350.50	379.61	339.07	319.24	259.34
Net Income Per Share	86.71	81.82	69.09	61.22	58.44
Tax Burden	0.70	0.70	0.70	0.71	0.68
Interest Burden	0.98	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.16	0.27	0.26	0.29
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	1.27	1.16	2.58	0.84	-0.24

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