ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Credicorp Ltd. ?
1
High Profitability with a Net Interest Margin of 4.55%
2
The Bank has a high Capital Adequacy Ratio of 1,333.88% signifying high buffers against its risk based assets
3
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 4,377.57 MM
- ROCE(HY) Highest at 2.5%
- NII(Q) Highest at USD 988.96 MM
4
With ROA of 1.50%, it has a attractive valuation with a 2.10 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 44.29%, its profits have risen by 17.1% ; the PEG ratio of the company is 0.8
5
Market Beating performance in long term as well as near term
- Along with generating 44.29% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Credicorp Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Credicorp Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Credicorp Ltd.
81.21%
3.07
24.65%
S&P 500
17.45%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.08%
EBIT Growth (5y)
23.30%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
74.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
2.46
EV to EBIT
10.53
EV to EBITDA
9.64
EV to Capital Employed
2.48
EV to Sales
4.47
PEG Ratio
0.47
Dividend Yield
0.02%
ROCE (Latest)
23.53%
ROE (Latest)
17.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
ROCE(HY)
Highest at 2.63%
OPERATING PROFIT(Q)
Highest at USD 691.38 MM
NII(Q)
Highest at USD 1,134.81 MM
CASH AND EQV(HY)
Highest at USD 23,283.9 MM
NET SALES(Q)
Highest at USD 1,514.18 MM
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 2,523.31 MM
ROCE(HY)
Lowest at 2.63%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
DIVIDEND PER SHARE(HY)
Lowest at USD 0
CREDIT DEPOSIT RATIO(HY)
Lowest at 91.03%
Here's what is working for Credicorp Ltd.
Operating Profit
Highest at USD 691.38 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
NII
Highest at USD 1,134.81 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 1,514.18 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 23,283.9 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 75.9 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Credicorp Ltd.
Operating Cash Flow
Lowest at USD 2,523.31 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend per share
Lowest at USD 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (USD)
Credit Deposit Ratio
Lowest at 91.03%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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