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 37.30%, its profits have risen by 17.1% ; the PEG ratio of the company is 0.8
5
Market Beating Performance
- The stock has generated a return of 37.30% in the last 1 year, much higher than market (S&P 500) returns of 12.94%
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.
45.75%
2.68
23.96%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.16%
EBIT Growth (5y)
12.63%
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
58.77%
Pledged Shares
0
Institutional Holding
72.66%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.10
EV to EBIT
8.15
EV to EBITDA
7.43
EV to Capital Employed
2.81
EV to Sales
3.15
PEG Ratio
0.77
Dividend Yield
0.04%
ROCE (Latest)
34.47%
ROE (Latest)
15.92%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
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
CASH AND EQV(HY)
Highest at USD 21,036.65 MM
NET SALES(Q)
Highest at USD 1,346.46 MM
OPERATING PROFIT(Q)
Highest at USD 682.82 MM
OPERATING PROFIT MARGIN(Q)
Highest at 50.71 %
PRE-TAX PROFIT(Q)
Highest at USD 700.38 MM
NET PROFIT(Q)
Highest at USD 499.41 MM
EPS(Q)
Highest at USD 6.27
-2What is not working for the Company
ROCE(HY)
Lowest at 2.5%
Here's what is working for Credicorp Ltd.
NII
Highest at USD 988.96 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 4,377.57 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 1,346.46 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 682.82 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 50.71 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 700.38 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 499.41 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 6.27
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 21,036.65 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 58.17 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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