D8V Stock Financial Analysis - Credicorp Ltd. (DB) Stock

Overview

Credicorp Ltd., based in Bermuda, operates primarily through its various subsidiaries as a leading financial services holding company, heavily dominating the landscape in Peru. It engages extensively in the banking sector through Banco de Credito del Peru, its principal subsidiary, which provides commercial and retail banking services. Additionally, Credicorp extends its services to insurance, pension funds, and investment banking, seamlessly integrating these offerings to serve a diverse client base. Prominent projects involve expanding digital banking services to enhance customer reach and convenience, and strategic initiatives in microfinance through Mibanco, aimed at empowering small and micro entrepreneurs. This comprehensive approach ensures Credicorp's pivotal role in financial intermediation across markets it serves.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Credicorp Ltd. as of 30 June 2025 is 19,877.79 MM.
The operating income for Credicorp Ltd. as of 30 June 2025 is 9,307.95 MM.
The net income for Credicorp Ltd. as of 30 June 2025 is 6,250.21 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	19,877.79	9,307.95	6,250.21
2025-03-31	18,967.94	8,642.03	5,767.29
2024-12-31	18,198.82	8,195.36	5,501.25
2024-09-30	17,308.45	7,665.03	5,216.37
2024-06-30	16,683.59	7,253.40	4,930.75
2024-03-31	16,430.89	7,228.26	4,992.92
2023-12-31	16,182.55	7,069.26	4,865.54
2023-09-30	15,972.56	7,028.67	5,033.87
2023-06-30	15,965.77	7,298.44	5,118.60
2023-03-31	15,602.15	7,122.47	4,860.21
2022-12-31	15,187.62	6,955.41	4,647.82
2022-09-30	15,285.31	7,082.41	4,698.28
2022-06-30	14,801.19	6,743.66	4,539.07
2022-03-31	14,072.53	6,189.42	4,095.66
2021-12-31	13,073.38	5,450.82	3,584.58
2021-09-30	11,850.25	4,700.67	3,177.37
2021-06-30	10,414.33	3,333.62	2,118.28
2021-03-31	8,014.43	1,136.88	798.42
2020-12-31	7,444.43	481.06	346.89
2020-09-30	8,198.00	980.29	666.32
2020-06-30

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31	72.60	72.45
2024-12-31	69.24	69.09
2024-09-30	65.66	65.50
2024-06-30	62.06	61.90
2024-03-31	62.84	62.68
2023-12-31	61.22	61.08
2023-09-30	63.33	63.19
2023-06-30	64.50	64.30
2023-03-31	61.10	61.00
2022-12-31	58.44	58.32
2022-09-30	59.08	58.96
2022-06-30	57.00	56.93
2022-03-31	51.51	51.40
2021-12-31	45.09	44.99
2021-09-30	39.98	39.82
2021-06-30	26.66	26.56
2021-03-31	10.05	10.02
2020-12-31	4.37	4.36
2020-09-30	8.39	8.38
2020-06-30	20.83	20.80

Cash Flow: Operations, Investing, Financing

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30
2025-03-31	1,184.33	-170.07	4,890.98
2024-12-31	1,235.64	527.56	11,476.03
2024-09-30	2,441.06	3,345.45	6,169.99
2024-06-30
2024-03-31
2023-12-31	1,808.19	-1,255.06	7.17
2023-09-30	6,915.20	-6,004.32	-2,910.61
2023-06-30
2023-03-31
2022-12-31	-1,105.22	-1,094.96	-1,647.01
2022-09-30	-2,391.84	-9,781.22	1,198.80
2022-06-30	-1,580.21	-545.90	-7,783.21
2022-03-31	-163.78	1,495.30	-6,973.44
2021-12-31	1,487.20	-3,727.71	2,020.50
2021-09-30	-598.98	2,894.68	6,772.28
2021-06-30	-9,149.48	-2,274.59	12,587.09
2021-03-31	-9,996.17	-6,061.43	27,564.22
2020-12-31	-13,170.58	-1,872.11	23,767.69
2020-09-30	-23,187.69	1,502.25	28,953.31
2020-06-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Management Effectiveness

The roa for Credicorp Ltd. as of 30 June 2025 is 0.02.
The roe for Credicorp Ltd. as of 30 June 2025 is 0.17.
The roic for Credicorp Ltd. as of 30 June 2025 is 0.07.
The croic for Credicorp Ltd. as of 30 June 2025 is 0.07.
The ocroic for Credicorp Ltd. as of 30 June 2025 is 0.01.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.02	0.17	0.07	0.07	0.01
2025-03-31	0.02	0.16	0.08	0.19	0.02
2024-12-31	0.02	0.17	0.08	0.18	0.04
2024-09-30	0.02	0.16	0.07	-0.00	0.03
2024-06-30	0.02	0.16	0.06	-0.00	0.02
2024-03-31	0.02	0.16	0.06	-0.00	0.02
2023-12-31	0.02	0.18	0.07	-0.04	0.02
2023-09-30	0.02	0.19	0.07	0.00	0.00
2023-06-30	0.02	0.19	0.07	0.00	0.00
2023-03-31	0.02	0.18	0.06	-0.07	-0.01
2022-12-31	0.02	0.18	0.08	-0.15	0.00
2022-09-30	0.02	0.18	0.09	-0.16	0.00
2022-06-30	0.02	0.18	0.09	-0.14	-0.03
2022-03-31	0.01	0.16	0.05	-0.04	-0.00
2021-12-31	0.01	0.14	0.07	0.05	-0.46
2021-09-30	0.01	0.13	0.06	0.18	-0.62
2021-06-30	0.01	0.09	0.05	0.04	-0.66
2021-03-31	0.00	0.03	0.01	0.16	-0.16
2020-12-31	0.00	0.01	0.00	0.14	-0.17
2020-09-30	0.00	0.03	0.01	0.18	0.02
2020-06-30	0.01	0.06	0.02	0.17	0.20

Gross Margins

The gross margin for Credicorp Ltd. as of 30 June 2025 is 0.99.
The net margin for Credicorp Ltd. as of 30 June 2025 is 0.31.
The operating margin for Credicorp Ltd. as of 30 June 2025 is 0.46.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.99	0.31	0.46
2025-03-31	0.99	0.30	0.45
2024-12-31	0.99	0.30	0.44
2024-09-30	0.99	0.29	0.43
2024-06-30	0.99	0.30	0.44
2024-03-31	0.99	0.30	0.43
2023-12-31	0.99	0.31	0.44
2023-09-30	0.99	0.31	0.45
2023-06-30	0.99	0.31	0.45
2023-03-31	0.99	0.31	0.45
2022-12-31	0.99	0.31	0.46
2022-09-30	0.99	0.31	0.46
2022-06-30	0.99	0.31	0.45
2022-03-31	0.99	0.29	0.44
2021-12-31	0.96	0.27	0.41
2021-09-30	0.96	0.26	0.39
2021-06-30	0.96	0.20	0.32
2021-03-31	0.94	0.10	0.14
2020-12-31	0.94	0.05	0.05
2020-09-30	0.95	0.08	0.12
2020-06-30	0.96	0.18	0.25

MX:BAP N
PE:BAP
US:BAP	261,36 US$
GB:0U8N	260,12 US$