Is Credicorp Ltd. overvalued or undervalued?

As of 3 October 2025, the valuation grade for Credicorp Ltd. has moved from very attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time. Key valuation ratios include a P/E ratio of 13, a Price to Book Value of 2.10, and an EV to EBITDA of 7.43, which suggest that while the company is performing well, it may not present a significant discount compared to its peers.
In comparison to notable peers, Huntington Bancshares, Inc. has a P/E ratio of 12.37, and Regions Financial Corp. has a P/E ratio of 12.07, both indicating that Credicorp is slightly more expensive relative to these competitors. Additionally, while Credicorp has demonstrated strong returns, particularly a year-to-date return of 45.21% compared to the S&P 500's 14.18%, the recent performance suggests that the stock may be consolidating at its current valuation level.