How to buy Credicorp stock

Credicorp Ltd is a banks-regional business based in the US. Credicorp shares (BAP) are listed on the NYSE and all prices are listed in US Dollars. Credicorp employs 36,806 staff and has a trailing 12-month revenue of around 0.00.

Credicorp share price

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Credicorp shares at a glance

• Key figures

Information last updated 2021-04-29.

52-week range	$110.47 - $172.12
50-day moving average	$140.12
200-day moving average	$146.42
Wall St. target price	$160.29
PE ratio	106.6608
Dividend yield	$2.434 (2.02%)
Earnings per share (TTM)	$1.13

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Is it a good time to buy Credicorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of Credicorp Ltd by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Credicorp under- or over-valued?

Valuing Credicorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Credicorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Credicorp's P/E ratio

Credicorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 107x. In other words, Credicorp shares trade at around 107x recent earnings.

That's relatively high compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-valued.

Credicorp's PEG ratio

Credicorp's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.16. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Credicorp's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Credicorp financials

Revenue TTM	$7.4 billion
Operating margin TTM	6.49%
Gross profit TTM	$7 billion
Return on assets TTM	0.16%
Return on equity TTM	1.28%
Profit margin	4.68%
Book value	$313.91
Market capitalisation	$9.6 billion

TTM: trailing 12 months

Shorting Credicorp shares

There are currently 931,205 Credicorp shares held short by investors – that's known as Credicorp's "short interest". This figure is 21.4% down from 1.2 million last month.

There are a few different ways that this level of interest in shorting Credicorp shares can be evaluated.

Credicorp's "short interest ratio" (SIR)

Credicorp's "short interest ratio" (SIR) is the quantity of Credicorp shares currently shorted divided by the average quantity of Credicorp shares traded daily (recently around 445552.63157895). Credicorp's SIR currently stands at 2.09. In other words for every 100,000 Credicorp shares traded daily on the market, roughly 2090 shares are currently held short.

However Credicorp's short interest can also be evaluated against the total number of Credicorp shares, or, against the total number of tradable Credicorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Credicorp's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Credicorp shares in existence, roughly 10 shares are currently held short) or 0.0184% of the tradable shares (for every 100,000 tradable Credicorp shares, roughly 18 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Credicorp.

Find out more about how you can short Credicorp stock.

Credicorp's environmental, social and governance track record

Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Credicorp.

When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.

Credicorp's total ESG risk score

Total ESG risk: 37.25

Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Credicorp's overall score of 37.25 (as at 12/31/2018) is pretty weak – landing it in it in the 69th percentile of companies rated in the same sector.

ESG scores are increasingly used to estimate the level of risk a company like Credicorp is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).

Credicorp's environmental score

Environmental score: 9.52/100

Credicorp's environmental score of 9.52 puts it squarely in the 8th percentile of companies rated in the same sector. This could suggest that Credicorp is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.

Credicorp's social score

Social score: 17.77/100

Credicorp's social score of 17.77 puts it squarely in the 8th percentile of companies rated in the same sector. This could suggest that Credicorp is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.

Credicorp's governance score

Governance score: 20.96/100

Credicorp's governance score puts it squarely in the 8th percentile of companies rated in the same sector. That could suggest that Credicorp is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.

Credicorp's controversy score

Controversy score: 2/5

ESG scores also evaluate any incidences of controversy that a company has been involved in. Credicorp scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Credicorp has, for the most part, managed to keep its nose clean.

Environmental, social, and governance (ESG) summary

Credicorp Ltd was last rated for ESG on: 2019-01-01.

Total ESG score	37.25
Total ESG percentile	69.3
Environmental score	9.52
Environmental score percentile	8
Social score	17.77
Social score percentile	8
Governance score	20.96
Governance score percentile	8
Level of controversy	2

Credicorp share dividends

Dividend payout ratio: 699.52% of net profits

Recently Credicorp has paid out, on average, around 699.52% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 5.75% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Credicorp shareholders could enjoy a 5.75% return on their shares, in the form of dividend payments. In Credicorp's case, that would currently equate to about $2.434 per share.

Credicorp's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Credicorp's most recent dividend payout was on 7 May 2020. The latest dividend was paid out to all shareholders who bought their shares by 8 April 2020 (the "ex-dividend date").

Have Credicorp's shares ever split?

Credicorp's shares were split on a 1039:1000 basis on 15 April 2014. So if you had owned 1000 shares the day before before the split, the next day you'd have owned 1039 shares. This wouldn't directly have changed the overall worth of your Credicorp shares – just the quantity. However, indirectly, the new 3.8% lower share price could have impacted the market appetite for Credicorp shares which in turn could have impacted Credicorp's share price.

Credicorp share price volatility

Over the last 12 months, Credicorp's shares have ranged in value from as little as $110.47 up to $172.12. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Credicorp's is 0.8991. This would suggest that Credicorp's shares are less volatile than average (for this exchange).

Credicorp overview

Credicorp Ltd. , a financial services 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.

Frequently asked questions

• What percentage of Credicorp is owned by insiders or institutions?

  Currently 30.471% of Credicorp shares are held by insiders and 65.061% by institutions.

• How many people work for Credicorp?

  Latest data suggests 36,806 work at Credicorp.

• When does the fiscal year end for Credicorp?

  Credicorp's fiscal year ends in December.

• Where is Credicorp based?

  Credicorp's address is: Calle Centenario N ° 156, Lima, Peru, 12

• What is Credicorp's ISIN number?

  Credicorp's international securities identification number is: BMG2519Y1084

• What is Credicorp's CUSIP number?

  Credicorp's Committee on Uniform Securities Identification Procedures number is: G2519Y108