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STOCKS

Credicorp (BAP)

NYSE:BAP

BAP

Credicorp

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Credicorp (BAP) Ratios

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Credicorp Ratios

BAP's free cash flow for Q1 2025 was S/.0.73. For the 2025 fiscal year, BAP's free cash flow was decreased by S/. and operating cash flow was S/.0.36. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.51	0.49	45.17	25.19	39.94
Quick Ratio	0.51	0.49	45.17	25.19	39.94
Cash Ratio	0.26	0.21	23.00	11.37	16.22
Solvency Ratio	0.03	0.03	0.03	0.02	<0.01
Operating Cash Flow Ratio	-0.02	0.02	-0.77	1.15	5.60
Short-Term Operating Cash Flow Coverage	-0.35	0.35	0.00	0.00	0.00
Net Current Asset Value	S/. -131.57B	S/. -125.75B	S/. -140.18B	S/. -130.76B	S/. -121.48B
Leverage Ratios
Debt-to-Assets Ratio	0.14	0.16	0.11	0.10	0.10
Debt-to-Equity Ratio	0.99	1.16	0.90	0.94	0.92
Debt-to-Capital Ratio	0.50	0.54	0.47	0.48	0.48
Long-Term Debt-to-Capital Ratio	0.41	0.44	0.47	0.48	0.47
Financial Leverage Ratio	7.09	7.36	8.17	9.24	9.52
Debt Service Coverage Ratio	0.42	0.32	-0.60	-0.67	0.04
Interest Coverage Ratio	1.65	1.17	2.93	2.11	0.08
Debt to Market Cap	0.56	0.84	0.62	0.64	0.47
Interest Debt Per Share	516.93	546.25	370.99	343.42	325.97
Net Debt to EBITDA	-1.01	0.49	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	73.63%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	17.49%	35.06%	-3.71%	-4.78%	-4.98%
EBITDA Margin	36.91%	38.47%	0.00%	0.00%	0.00%
Operating Profit Margin	37.62%	35.06%	58.98%	36.34%	1.74%
Pretax Profit Margin	33.87%	35.06%	39.53%	36.95%	1.65%
Net Profit Margin	23.61%	24.91%	26.80%	24.83%	2.55%
Continuous Operations Profit Margin	24.14%	25.39%	27.45%	25.44%	2.46%
Net Income Per EBT	69.71%	71.05%	67.79%	67.22%	154.75%
EBT Per EBIT	90.04%	100.00%	67.02%	101.66%	94.62%
Return on Assets (ROA)	2.27%	2.04%	1.96%	1.46%	0.15%
Return on Equity (ROE)	16.95%	14.99%	16.03%	13.53%	1.39%
Return on Capital Employed (ROCE)	10.72%	9.10%	4.35%	2.17%	0.10%
Return on Invested Capital (ROIC)	6.83%	5.70%	6.04%	2.68%	0.24%
Return on Tangible Assets	2.31%	2.07%	1.99%	1.48%	0.15%
Earnings Yield	9.20%	11.00%	11.33%	9.27%	0.74%
Efficiency Ratios
Receivables Turnover	0.00	1.59	1.41	1.19	1.35
Payables Turnover	4.62	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.11	9.98	9.14	7.36	6.27
Asset Turnover	0.10	0.08	0.07	0.06	0.06
Working Capital Turnover Ratio	-0.30	-0.23	0.23	0.17	0.18
Cash Conversion Cycle	-78.95	229.71	258.83	306.47	270.68
Days of Sales Outstanding	0.00	229.71	258.83	306.47	270.68
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	78.95	0.00	0.00	0.00	0.00
Operating Cycle	0.00	229.71	258.83	306.47	270.68
Cash Flow Ratios
Operating Cash Flow Per Share	-44.45	51.33	-14.27	49.98	159.76
Free Cash Flow Per Share	-46.54	36.85	-25.54	41.93	151.79
CapEx Per Share	2.08	14.48	11.27	8.05	7.98
Free Cash Flow to Operating Cash Flow	1.05	0.72	1.79	0.84	0.95
Dividend Paid and CapEx Coverage Ratio	-3.39	1.30	-0.54	3.82	4.19
Capital Expenditure Coverage Ratio	-21.32	3.54	-1.27	6.21	20.03
Operating Cash Flow Coverage Ratio	-0.10	0.11	-0.04	0.16	0.55
Operating Cash Flow to Sales Ratio	-0.14	0.21	-0.07	0.28	0.93
Free Cash Flow Yield	-5.88%	6.62%	-4.95%	8.62%	25.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.92	9.09	8.83	10.79	135.88
Price-to-Sales (P/S) Ratio	2.58	2.26	2.37	2.68	3.47
Price-to-Book (P/B) Ratio	1.76	1.36	1.42	1.46	1.89
Price-to-Free Cash Flow (P/FCF) Ratio	-17.09	15.10	-20.20	11.60	3.91
Price-to-Operating Cash Flow Ratio	-17.86	10.84	-36.15	9.73	3.72
Price-to-Earnings Growth (PEG) Ratio	2.23	1.88	0.30	0.01	-1.48
Price-to-Fair Value	1.76	1.36	1.42	1.46	1.89
Enterprise Value Multiple	6.00	6.38	0.00	0.00	0.00
Enterprise Value	53.72B	47.92B	32.93B	24.19B	33.31B
EV to EBITDA	5.96	6.38	0.00	0.00	0.00
EV to Sales	2.20	2.45	1.90	1.68	2.45
EV to Free Cash Flow	-14.54	16.36	-16.21	7.26	2.76
EV to Operating Cash Flow	-15.23	11.75	-29.01	6.09	2.63
Tangible Book Value Per Share	458.82	375.97	335.48	306.03	287.20
Shareholders’ Equity Per Share	451.62	408.42	364.50	333.32	314.14
Tax and Other Ratios
Effective Tax Rate	0.29	0.28	0.31	0.31	-0.49
Revenue Per Share	307.75	245.79	218.08	181.57	171.27
Net Income Per Share	72.67	61.22	58.44	45.09	4.37
Tax Burden	0.70	0.71	0.68	0.67	1.55
Interest Burden	1.94	1.00	-10.65	-7.72	-0.33
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.33	0.34	0.35	0.40	0.35
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	-0.61	0.84	-0.24	1.08	37.97

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