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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	0.48	0.49	45.17	25.19	39.94
Quick Ratio	0.48	0.49	45.17	25.19	39.94
Cash Ratio	0.25	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	-0.31	0.35	0.00	0.00	0.00
Net Current Asset Value	S/. -134.63B	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	1.00	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	0.40	0.44	0.47	0.48	0.47
Financial Leverage Ratio	7.23	7.36	8.17	9.24	9.52
Debt Service Coverage Ratio	0.43	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	0.49	0.84	0.62	0.64	0.47
Interest Debt Per Share	499.89	546.25	370.99	343.42	325.97
Net Debt to EBITDA	-0.71	0.49	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	69.18%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	32.15%	35.06%	-3.71%	-4.78%	-4.98%
EBITDA Margin	34.96%	38.47%	0.00%	0.00%	0.00%
Operating Profit Margin	32.15%	35.06%	58.98%	36.34%	1.74%
Pretax Profit Margin	32.15%	35.06%	39.53%	36.95%	1.65%
Net Profit Margin	22.46%	24.91%	26.80%	24.83%	2.55%
Continuous Operations Profit Margin	22.97%	25.39%	27.45%	25.44%	2.46%
Net Income Per EBT	69.85%	71.05%	67.79%	67.22%	154.75%
EBT Per EBIT	100.00%	100.00%	67.02%	101.66%	94.62%
Return on Assets (ROA)	2.51%	2.04%	1.96%	1.46%	0.15%
Return on Equity (ROE)	18.10%	14.99%	16.03%	13.53%	1.39%
Return on Capital Employed (ROCE)	10.89%	9.10%	4.35%	2.17%	0.10%
Return on Invested Capital (ROIC)	6.84%	5.70%	6.04%	2.68%	0.24%
Return on Tangible Assets	2.56%	2.07%	1.99%	1.48%	0.15%
Earnings Yield	8.87%	11.00%	11.33%	9.27%	0.74%
Efficiency Ratios
Receivables Turnover	0.00	1.59	1.41	1.19	1.35
Payables Turnover	11.13	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	10.52	9.98	9.14	7.36	6.27
Asset Turnover	0.11	0.08	0.07	0.06	0.06
Working Capital Turnover Ratio	-0.33	-0.23	0.23	0.17	0.18
Cash Conversion Cycle	-32.78	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	32.78	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	-44.15	51.33	-14.27	49.98	159.76
Free Cash Flow Per Share	-46.22	36.85	-25.54	41.93	151.79
CapEx Per Share	2.07	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	-0.13	0.21	-0.07	0.28	0.93
Free Cash Flow Yield	-5.27%	6.62%	-4.95%	8.62%	25.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.28	9.09	8.83	10.79	135.88
Price-to-Sales (P/S) Ratio	2.52	2.26	2.37	2.68	3.47
Price-to-Book (P/B) Ratio	2.05	1.36	1.42	1.46	1.89
Price-to-Free Cash Flow (P/FCF) Ratio	-18.99	15.10	-20.20	11.60	3.91
Price-to-Operating Cash Flow Ratio	-19.98	10.84	-36.15	9.73	3.72
Price-to-Earnings Growth (PEG) Ratio	1.37	1.88	0.30	0.01	-1.48
Price-to-Fair Value	2.05	1.36	1.42	1.46	1.89
Enterprise Value Multiple	6.50	6.38	0.00	0.00	0.00
Enterprise Value	63.21B	47.92B	32.93B	24.19B	33.31B
EV to EBITDA	6.50	6.38	0.00	0.00	0.00
EV to Sales	2.27	2.45	1.90	1.68	2.45
EV to Free Cash Flow	-17.11	16.36	-16.21	7.26	2.76
EV to Operating Cash Flow	-17.92	11.75	-29.01	6.09	2.63
Tangible Book Value Per Share	438.91	375.97	335.48	306.03	287.20
Shareholders’ Equity Per Share	431.21	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	348.27	245.79	218.08	181.57	171.27
Net Income Per Share	78.21	61.22	58.44	45.09	4.37
Tax Burden	0.70	0.71	0.68	0.67	1.55
Interest Burden	1.00	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	0.29	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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