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Credicorp (BAP)
NYSE:BAP
US Market

Credicorp (BAP) Ratios

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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 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.49 45.17 25.19 39.94
Quick Ratio
0.00 0.49 45.17 25.19 39.94
Cash Ratio
0.00 0.21 23.00 11.37 16.22
Solvency Ratio
0.03 0.03 0.03 0.02 <0.01
Operating Cash Flow Ratio
0.00 0.02 -0.77 1.15 5.60
Short-Term Operating Cash Flow Coverage
0.00 0.35 0.00 0.00 0.00
Net Current Asset Value
S/. -218.04BS/. -125.75BS/. -140.18BS/. -130.76BS/. -121.48B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.16 0.11 0.10 0.10
Debt-to-Equity Ratio
0.45 1.16 0.90 0.94 0.92
Debt-to-Capital Ratio
0.31 0.54 0.47 0.48 0.48
Long-Term Debt-to-Capital Ratio
0.31 0.44 0.47 0.48 0.47
Financial Leverage Ratio
6.98 7.36 8.17 9.24 9.52
Debt Service Coverage Ratio
1.17 0.32 -0.60 -0.67 0.04
Interest Coverage Ratio
2.38 1.17 2.93 2.11 0.08
Debt to Market Cap
0.24 0.84 0.62 0.64 0.47
Interest Debt Per Share
255.30 546.25 370.99 343.42 325.97
Net Debt to EBITDA
-0.48 0.49 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
75.99%100.00%100.00%100.00%100.00%
EBIT Margin
26.04%35.06%-3.71%-4.78%-4.98%
EBITDA Margin
28.34%38.47%0.00%0.00%0.00%
Operating Profit Margin
36.35%35.06%58.98%36.34%1.74%
Pretax Profit Margin
35.59%35.06%39.53%36.95%1.65%
Net Profit Margin
24.63%24.91%26.80%24.83%2.55%
Continuous Operations Profit Margin
25.20%25.39%27.45%25.44%2.46%
Net Income Per EBT
69.20%71.05%67.79%67.22%154.75%
EBT Per EBIT
97.91%100.00%67.02%101.66%94.62%
Return on Assets (ROA)
2.53%2.04%1.96%1.46%0.15%
Return on Equity (ROE)
18.31%14.99%16.03%13.53%1.39%
Return on Capital Employed (ROCE)
3.74%9.10%4.35%2.17%0.10%
Return on Invested Capital (ROIC)
2.65%5.70%6.04%2.68%0.24%
Return on Tangible Assets
2.58%2.07%1.99%1.48%0.15%
Earnings Yield
9.59%11.00%11.33%9.27%0.74%
Efficiency Ratios
Receivables Turnover
0.00 1.59 1.41 1.19 1.35
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
9.63 9.98 9.14 7.36 6.27
Asset Turnover
0.10 0.08 0.07 0.06 0.06
Working Capital Turnover Ratio
-0.60 -0.23 0.23 0.17 0.18
Cash Conversion Cycle
0.00 229.71 258.83 306.47 270.68
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
0.00 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
61.12 51.33 -14.27 49.98 159.76
Free Cash Flow Per Share
57.25 36.85 -25.54 41.93 151.79
CapEx Per Share
3.87 14.48 11.27 8.05 7.98
Free Cash Flow to Operating Cash Flow
0.94 0.72 1.79 0.84 0.95
Dividend Paid and CapEx Coverage Ratio
1.11 1.30 -0.54 3.82 4.19
Capital Expenditure Coverage Ratio
15.78 3.54 -1.27 6.21 20.03
Operating Cash Flow Coverage Ratio
0.30 0.11 -0.04 0.16 0.55
Operating Cash Flow to Sales Ratio
0.19 0.21 -0.07 0.28 0.93
Free Cash Flow Yield
6.77%6.62%-4.95%8.62%25.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.43 9.09 8.83 10.79 135.88
Price-to-Sales (P/S) Ratio
2.56 2.26 2.37 2.68 3.47
Price-to-Book (P/B) Ratio
1.84 1.36 1.42 1.46 1.89
Price-to-Free Cash Flow (P/FCF) Ratio
14.78 15.10 -20.20 11.60 3.91
Price-to-Operating Cash Flow Ratio
13.87 10.84 -36.15 9.73 3.72
Price-to-Earnings Growth (PEG) Ratio
2.98 1.88 0.30 0.01 -1.48
Price-to-Fair Value
1.84 1.36 1.42 1.46 1.89
Enterprise Value Multiple
8.57 6.38 0.00 0.00 0.00
Enterprise Value
63.74B 47.92B 32.93B 24.19B 33.31B
EV to EBITDA
8.57 6.38 0.00 0.00 0.00
EV to Sales
2.43 2.45 1.90 1.68 2.45
EV to Free Cash Flow
14.00 16.36 -16.21 7.26 2.76
EV to Operating Cash Flow
13.11 11.75 -29.01 6.09 2.63
Tangible Book Value Per Share
410.62 375.97 335.48 306.03 287.20
Shareholders’ Equity Per Share
459.67 408.42 364.50 333.32 314.14
Tax and Other Ratios
Effective Tax Rate
0.29 0.28 0.31 0.31 -0.49
Revenue Per Share
330.03 245.79 218.08 181.57 171.27
Net Income Per Share
81.29 61.22 58.44 45.09 4.37
Tax Burden
0.69 0.71 0.68 0.67 1.55
Interest Burden
1.37 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
0.32 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
0.75 0.84 -0.24 1.08 37.97
Currency in PEN