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 buy?
- 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.
63.83%
3.07
24.65%
S&P 500
22.99%
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
78.39%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
2.67
EV to EBIT
10.86
EV to EBITDA
9.88
EV to Capital Employed
3.21
EV to Sales
4.94
PEG Ratio
0.48
Dividend Yield
0.01%
ROCE (Latest)
29.54%
ROE (Latest)
17.09%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 1,169.42 MM
ROCE(HY)
Highest at 2.77%
NET SALES(Q)
Highest at USD 1,538.2 MM
OPERATING PROFIT(Q)
Highest at USD 816.47 MM
CASH AND EQV(HY)
Highest at USD 25,715.49 MM
OPERATING PROFIT MARGIN(Q)
Highest at 53.08 %
PRE-TAX PROFIT(Q)
Highest at USD 858.84 MM
NET PROFIT(Q)
Highest at USD 608.97 MM
EPS(Q)
Highest at USD 7.66
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 1,524.88 MM
ROCE(HY)
Lowest at 2.77%
CREDIT DEPOSIT RATIO(HY)
Lowest at 89.14%
Here's what is working for Credicorp Ltd.
NII
Highest at USD 1,169.42 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 1,538.2 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 816.47 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 53.08 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 858.84 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 608.97 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 7.66
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 25,715.49 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Credicorp Ltd.
Operating Cash Flow
Lowest at USD 1,524.88 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)
Credit Deposit Ratio
Lowest at 89.14%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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