See more : Oxford Lane Capital Corp. (OXLCO) Income Statement Analysis – Financial Results
Complete financial analysis of Credicorp Ltd. (BAP) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Credicorp Ltd., a leading company in the Banks – Regional industry within the Financial Services sector.
You may be interested
- Rémy Cointreau SA (REMYY) Income Statement Analysis – Financial Results
- Polyspin Exports Limited (POLYSPIN.BO) Income Statement Analysis – Financial Results
- Shreyas Shipping and Logistics Limited (SHREYAS.NS) Income Statement Analysis – Financial Results
- Ludwig Enterprises, Inc. (LUDG) Income Statement Analysis – Financial Results
- Netcompany Group A/S (NETC.CO) Income Statement Analysis – Financial Results
Credicorp Ltd. (BAP)
About Credicorp Ltd.
Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current accounts, and various credits and financial instruments to individuals and legal entities. Its Insurance and Pensions segment issues insurance policies to cover losses in commercial property, transportation, marine vessels, automobile, life, health, and pensions, as well as provides private pension fund management services. The company's Microfinance segment manages loans, credits, deposits, and current accounts of the small and microenterprises. Its Investment Banking and Wealth Management segment offers its services to corporations, institutional investors, governments, and foundations; engages in structuring and placement of issues in the primary market, as well as the execution and negotiation of operations in the secondary market; and structures securitization processes for corporate customers and manages mutual funds. The company was founded in 1889 and is headquartered in Lima, Peru.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16.18B | 17.34B | 14.43B | 13.60B | 14.82B | 13.49B | 13.36B | 12.51B | 11.85B | 10.44B | 8.50B | 7.54B | 8.89B | 5.72B | 4.99B | 4.61B | 4.45B | 3.37B | 3.18B | 2.69B | 2.60B | 2.42B | 2.47B | 2.50B | 2.59B | 2.48B | 1.95B |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -155.97M | -74.32M | 0.00 | 1.64B | -990.16M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 16.18B | 17.34B | 14.43B | 13.60B | 14.82B | 13.49B | 13.36B | 12.51B | 11.85B | 10.59B | 8.58B | 7.54B | 7.25B | 6.71B | 4.99B | 4.61B | 4.45B | 3.37B | 3.18B | 2.69B | 2.60B | 2.42B | 2.47B | 2.50B | 2.59B | 2.48B | 1.95B |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 101.49% | 100.87% | 100.00% | 81.57% | 117.32% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 6.68B | 6.04B | 5.77B | 4.74B | 4.88B | 4.75B | 5.40B | 5.20B | 4.87B | 4.59B | 4.15B | 3.38B | 2.62B | 2.93B | 2.04B | 1.99B | 1.43B | 1.07B | 960.36M | 778.75M | 754.10M | 711.08M | 689.35M | 730.46M | 754.62M | 731.44M | 1.51B |
| Selling & Marketing | 720.72M | 653.43M | 486.89M | 349.75M | 374.68M | 336.20M | 304.12M | 300.40M | 222.63M | 310.16M | 295.01M | 157.52M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 7.40B | 6.69B | 5.77B | 4.74B | 4.88B | 4.75B | 5.40B | 5.20B | 4.87B | 4.59B | 4.15B | 3.38B | 2.62B | 2.93B | 2.04B | 1.99B | 1.43B | 1.07B | 960.36M | 778.75M | 754.10M | 711.08M | 689.35M | 730.46M | 754.62M | 731.44M | 1.51B |
| Other Expenses | 12.14B | -13.80B | -14.96B | -18.10B | -13.82B | -9.70B | -10.31B | -60.62M | 46.56M | -9.64B | -8.15B | -6.49B | -6.03B | -6.29B | -4.05B | -3.32B | -3.22B | -2.62B | -2.67B | -2.37B | -2.37B | -2.25B | -1.81B | -1.76B | -1.54B | -1.41B | 1.07B |
| Operating Expenses | 19.54B | -7.11B | -9.19B | -13.36B | -8.93B | -4.95B | -4.91B | 5.14B | 4.92B | -5.05B | -3.99B | -3.11B | -3.41B | -3.36B | -2.00B | -1.33B | -1.80B | -1.55B | -1.71B | -1.59B | -1.62B | -1.53B | -1.12B | -1.03B | -781.34M | -680.61M | 2.58B |
| Cost & Expenses | 9.33B | -7.11B | -9.19B | -13.36B | -8.93B | -4.95B | -4.91B | 5.14B | 4.91B | -155.97M | -74.32M | -78.25M | 1.64B | -990.16M | -88.17M | -1.33B | -1.80B | -1.55B | -1.71B | -1.59B | -1.62B | -1.53B | -1.12B | -1.03B | -781.34M | -680.61M | 3.65B |
| Interest Income | 18.75B | 14.98B | 11.81B | 11.52B | 12.36B | 11.50B | 10.98B | 10.77B | 10.02B | 8.58B | 7.36B | 6.02B | 4.83B | 4.15B | 3.81B | 4.36B | 3.20B | 2.39B | 2.11B | 1.78B | 1.90B | 1.87B | 2.39B | 2.69B | 2.91B | 2.90B | 0.00 |
| Interest Expense | 5.86B | 3.49B | 2.49B | 2.98B | 3.29B | 3.03B | 2.96B | 2.91B | 2.56B | 2.17B | 2.16B | 1.82B | 1.40B | 1.12B | 1.22B | 1.81B | 1.30B | 866.20M | 596.22M | 525.57M | 563.00M | 626.13M | 1.10B | 1.38B | 1.62B | 1.57B | 1.07B |
| Depreciation & Amortization | 667.12M | 643.60M | 690.56M | 676.93M | 639.07M | 436.53M | 419.98M | 407.06M | 529.38M | 433.79M | 422.83M | 298.59M | 260.28M | 245.36M | 212.49M | 180.25M | 152.94M | 153.75M | 133.35M | 152.77M | 166.09M | 156.02M | 160.81M | 167.68M | 141.06M | 129.10M | 86.80M |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.40 | -0.41 | -0.01 | -0.31 | -0.87 | -0.20 | -0.32 | -0.55 | -0.80 | -0.20 | -0.40 | -0.80 | -0.50 | 0.00 | 1.56B |
| EBITDA Ratio | 0.00% | 62.97% | 41.12% | 6.72% | 44.04% | 66.54% | 66.41% | 64.87% | 61.19% | 57.31% | 58.87% | 63.71% | 46.15% | 62.84% | 65.93% | 75.10% | 63.08% | 58.65% | 50.56% | 46.66% | 44.10% | 43.14% | 61.37% | 65.65% | 75.26% | 77.73% | 80.08% |
| Operating Income | 7.07B | 10.23B | 5.25B | 236.92M | 5.89B | 8.54B | 8.45B | 7.71B | 6.72B | 5.55B | 4.58B | 4.50B | 3.84B | 3.35B | 3.08B | 3.28B | 2.65B | 1.82B | 1.48B | 1.10B | 980.28M | 889.88M | 1.36B | 1.47B | 1.81B | 1.80B | 441.00M |
| Operating Income Ratio | 43.68% | 58.98% | 36.34% | 1.74% | 39.72% | 63.31% | 63.27% | 61.62% | 56.72% | 53.15% | 53.89% | 59.75% | 43.22% | 58.55% | 61.68% | 71.19% | 59.65% | 54.09% | 46.37% | 40.98% | 37.71% | 36.71% | 54.87% | 58.93% | 69.81% | 72.52% | 22.57% |
| Total Other Income/Expenses | -220.93M | -99.52M | -118.00M | -256.90M | -50.01M | -94.95M | -48.78M | -88.81M | -120.62M | 8.53M | -388.61M | 163.83M | 2.46B | 2.26B | 1.83B | 1.56B | 1.36B | 958.24M | 879.50M | 577.85M | 417.28M | 263.75M | 274.08M | 96.68M | 183.28M | -1.57B | 0.00 |
| Income Before Tax | 6.85B | 6.86B | 5.33B | 224.16M | 5.98B | 5.59B | 5.57B | 4.89B | 4.36B | 3.39B | 2.45B | 2.76B | 2.46B | 2.19B | 1.91B | 1.56B | 1.36B | 958.24M | 879.50M | 577.85M | 417.28M | 263.75M | 261.77M | 96.68M | 183.28M | 226.42M | 441.00M |
| Income Before Tax Ratio | 42.32% | 39.53% | 36.95% | 1.65% | 40.31% | 41.46% | 41.74% | 39.09% | 36.81% | 32.48% | 28.86% | 36.65% | 27.64% | 38.38% | 38.28% | 33.83% | 30.53% | 28.41% | 27.64% | 21.46% | 16.05% | 10.88% | 10.58% | 3.87% | 7.08% | 9.14% | 22.57% |
| Income Tax Expense | 1.89B | 2.11B | 1.66B | -109.98M | 1.62B | 1.52B | 1.39B | 1.28B | 1.20B | 968.33M | 815.24M | 655.56M | 553.68M | 535.74M | 401.93M | 344.07M | 306.66M | 255.41M | 253.23M | 149.17M | 137.69M | 114.73M | 74.18M | 34.23M | 30.69M | 85.62M | 115.00M |
| Net Income | 4.87B | 4.65B | 3.58B | 346.89M | 4.27B | 3.98B | 4.09B | 3.51B | 3.09B | 2.39B | 1.62B | 2.06B | 1.87B | 1.64B | 1.36B | 1.12B | 1.05B | 702.83M | 626.26M | 428.68M | 279.59M | 149.03M | 187.59M | 62.44M | 152.58M | 140.80M | 293.00M |
| Net Income Ratio | 30.07% | 26.80% | 24.83% | 2.55% | 28.77% | 29.54% | 30.63% | 28.09% | 26.11% | 22.88% | 19.03% | 27.27% | 20.98% | 28.61% | 27.30% | 24.38% | 23.64% | 20.84% | 19.68% | 15.92% | 10.76% | 6.15% | 7.58% | 2.50% | 5.90% | 5.69% | 14.99% |
| EPS | 61.08 | 58.26 | 45.09 | 4.37 | 53.53 | 50.13 | 51.49 | 44.23 | 38.91 | 30.04 | 19.35 | 26.18 | 23.49 | 20.59 | 17.12 | 14.11 | 13.19 | 8.80 | 7.85 | 5.38 | 3.50 | 1.86 | 2.34 | 0.78 | 1.89 | 1.74 | 3.62 |
| EPS Diluted | 61.08 | 58.13 | 44.99 | 4.36 | 53.53 | 49.99 | 51.35 | 44.15 | 38.84 | 29.97 | 19.31 | 26.11 | 23.41 | 20.53 | 17.12 | 14.11 | 13.19 | 8.80 | 7.85 | 5.38 | 3.50 | 1.86 | 2.34 | 0.78 | 1.89 | 1.74 | 3.62 |
| Weighted Avg Shares Out | 79.66M | 79.53M | 79.49M | 79.41M | 79.49M | 79.48M | 79.68M | 79.61M | 79.61M | 79.67M | 79.66M | 79.65M | 79.42M | 79.46M | 79.59M | 79.76M | 79.76M | 79.87M | 79.77M | 79.72M | 79.81M | 79.97M | 80.17M | 80.44M | 94.38M | 80.95M | 81.00M |
| Weighted Avg Shares Out (Dil) | 79.66M | 79.70M | 79.68M | 79.62M | 79.68M | 79.69M | 79.69M | 79.61M | 79.62M | 79.67M | 79.67M | 79.65M | 79.66M | 79.67M | 79.66M | 79.76M | 79.76M | 79.87M | 79.77M | 79.80M | 79.81M | 79.97M | 80.18M | 81.00M | 94.38M | 80.95M | 81.00M |
Is Credicorp (BAP) Stock Undervalued Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
BAP or DBSDY: Which Is the Better Value Stock Right Now?
Investors looking for stocks in the Banks - Foreign sector might want to consider either Credicorp (BAP) or DBS Group Holdings Ltd (DBSDY). But which of these two companies is the best option for those looking for undervalued stocks?
Should Value Investors Buy Credicorp (BAP) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Philippines: Does not affect the impact ratio of US bank bankruptcy
The Bankers Association of the Philippines (BAP) issued a statement on the 14th that the bankruptcies of Silicon Valley Bank and Signature Bank in the United States had no impact on the Philippine banking system. Silicon Valley Bank has become...
Are Investors Undervaluing Credicorp (BAP) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Credicorp Executing Well, But Macro Risk Remains High
Credicorp's fourth quarter results were better than expected at the pre-provision line, but higher provisioning drove a miss for net income. Management is taking a more conservative stance on credit, noting some signs of weakness in real estate and tourism.
Credicorp Ltd (BAP) Q4 2022 Earnings Call Transcript
Credicorp Ltd (NYSE:BAP ) Q4 2022 Earnings Conference Call February 10, 2023 9:30 AM ET Company Participants Milagros Cigüeñas - Head of IR Gianfranco Ferrari - CEO Cesar Rivera - CFO Reynaldo Llosa - Chief Risk Officer Conference Call Participants...
Best Growth Stocks to Buy for February 2nd
BAP, CNM and JBL made it to the Zacks Rank #1 (Strong Buy) growth stocks list on February 2, 2023.
Should Value Investors Buy Credicorp (BAP) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Best Growth Stocks to Buy for January 31st
ADM, BAP and HAL made it to the Zacks Rank #1 (Strong Buy) growth stocks list on January 31, 2023.
Source: https://incomestatements.info
Category: Stock Reports