Credicorp Ltd (BAP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Credicorp Ltd stock (BAP) is currently trading at $338.90. Credicorp Ltd PE ratio is 13.35. Credicorp Ltd PS ratio (Price-to-Sales) is 1.27. Analyst consensus price target for BAP is $352.19. WallStSmart rates BAP as Moderate Buy.
- BAP PE ratio analysis and historical PE chart
- BAP PS ratio (Price-to-Sales) history and trend
- BAP intrinsic value — DCF, Graham Number, EPV models
- BAP stock price prediction 2025 2026 2027 2028 2029 2030
- BAP fair value vs current price
- BAP insider transactions and insider buying
- Is BAP undervalued or overvalued?
- Credicorp Ltd financial analysis — revenue, earnings, cash flow
- BAP Piotroski F-Score and Altman Z-Score
- BAP analyst price target and Smart Rating
Credicorp
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BAP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Credicorp Ltd (BAP)
BAP trades at a significant discount to its Graham intrinsic value of $1157.36, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Credicorp Ltd (BAP) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, operating margin, price/sales. Concerns around peg ratio. Overall metrics suggest strong investment potential with favorable risk/reward.
Credicorp Ltd (BAP) Key Strengths (7)
Keeps $43 of every $100 in revenue after operating costs
Earnings per share surging 42.20% year-over-year
Keeps $34 of every $100 in revenue as net profit
80.70% of shares held by major funds and institutions
Large-cap company with substantial market presence
Paying $1.27 for every $1 of annual revenue
Solid profitability: $19 profit per $100 equity
Supporting Valuation Data
Credicorp Ltd (BAP) Areas to Watch (3)
Very expensive relative to growth, significant premium
Modest revenue growth at 5.00%
Fairly priced relative to book value
Credicorp Ltd (BAP) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.1/10) while 3 fall into concern territory (avg 4.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Sales (1.27) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 19.10%, Operating Margin at 43.00%, Profit Margin at 33.50%. Growth metrics are encouraging with EPS Growth at 42.20%.
The Bear Case
The primary concerns are PEG Ratio, Revenue Growth, Price/Book. Some valuation metrics including PEG Ratio (4.55), Price/Book (2.32) suggest expensive pricing. Growth concerns include Revenue Growth at 5.00%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 19.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 5.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BAP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BAP's Price-to-Sales ratio of 1.27x trades at a 24% premium to its historical average of 1.02x (83th percentile). The current valuation is 19% below its historical high of 1.56x set in Dec 2012, and 225% above its historical low of 0.39x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Credicorp Ltd (BAP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Credicorp Ltd is a strong growth company balancing expansion with improving profitability. Revenue reached 20.7B with 500% growth year-over-year. Profit margins are strong at 33.5%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 500% YoY, reaching 20.7B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1910.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -635M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Credicorp Ltd maintain 500%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.3%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Credicorp Ltd.
Bottom Line
Credicorp Ltd offers an attractive blend of growth (500% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Credicorp Ltd(BAP)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Credicorp Ltd., a financial services holding company, offers various financial, insurance and health products and services primarily in Peru and internationally. The company is headquartered in Lima, Peru.