Key Drivers
- Strong profitability
- Net cash balance
- Low asset turnover
AIAI Summary
Credicorp should be viewed less as a rate‑sensitive Peruvian bank and more as a franchise whose valuation now hinges on executing digital monetization (Yape/Tenpo) and selective cross‑border M&A to convert scale into fee revenue and lift ROIC. Actionable watch‑points: quarterly digital/transaction revenue growth, Tenpo Chile user‑to‑paid conversion, ROIC improvement and FCF‑funded M&A discipline — failure to deliver repeatable monetization or a rising cost of risk would warrant a material re‑rating.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •Strong profitability
- •Net cash balance
- •Low asset turnover
BAP delivers strong margins, robust free cash flow and modest valuation multiples but faces meaningful on‑balance-sheet leverage and very low asset efficiency.
Price Behavior
Key Price Behavior Insights:
- •Short-term downtrend
- •Lower highs/resistance
- •Repeated low‑$320s bids
Over the last month BAP has trended down from the mid‑$350s to the low‑$320s, showing weakening momentum with sellers defending the $350–$365 band while repeated buying around $321 limits immediate downside.
Gradual decline rather than sharp collapse, with repeated buying in the low‑$320s
Sentiment & News
Key News Insights:
- •Portfolio rotation
- •Operational winners
- •Governance update
Managers are rotating into names with clearer near-term operational gains (Lundin Mining, SK hynix) while trimming AI-vulnerable holdings, and Credicorp approved director nominees for a virtual AGM.
This should support near-term upside for BAP-related holdings with improving fundamentals while increasing scrutiny and potential downside for AI-exposed positions
Similar Companies in Financial Services
Other companies in the same sector with AI ratings