Credicorp Ltd. Common Stock (BAP)

FairStock Score: 73/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach banks as balance-sheet businesses: I want durable deposits, disciplined credit, and high returns on equity. Credicorp, at $380.69 on 2026-10-13, is a $25.9B market-cap financial group operating across Peru, Colombia, Bolivia, Panama, Chile and other markets, with 52,770 employees and diversified banking, insurance, pension, microfinance, and asset-management segments. The supplied FairStock figures show a 20.41% return on equity, which is excellent for a bank, and a 14.34 P/E and 2.82 price-to-book. The P/E is reasonable; the price-to-book is not cheap, and the shares sit near the upper end of their $230.45-$413.25 52-week range. In the second quarter of 2026 (2026-Q2), revenue was $6.9B, net income was $2.0B, and the margin was 28.89%. The supplied growth data are positive, though the exact periods are not identified. A 3.79% dividend yield and 0.87 beta add some appeal. However, the Piotroski F-Score is only 3/9, and key bank measures such as CET1, net interest margin, and combined ratio are absent. Debt-to-equity is N/A, so I cannot fully judge leverage or credit risk. The FairStock Score of 75/100 suggests above-average quality, but the lack of multiyear filed results means no Lynch category can be assigned. My conclusion: a high-return, well-positioned regional bank, but the price already reflects much of that strength. I would want more balance-sheet and credit detail before calling it a bargain.

In plain English: Credicorp is a financial services company that runs banks, insurers, pension and microfinance businesses mainly in Peru and nearby countries. The business looks strong because it earns a high return on shareholders' money and reported a solid profit in the latest quarter. The stock price looks fair to slightly expensive compared with its profits and book value, so it is not an obvious bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer