Credicorp Ltd (BAP) Stock Analysis
Verdict: BUY
Peru's dominant bank is leveraging a 36.6% operating margin and digital 'Yape' growth to offset political risk and its sector-high valuation.
Investment score: 68/100
Analysis as of
Is Credicorp Ltd stock worth reviewing? The TradeMates thesis
BAP represents a high-quality play on Peruvian credit expansion and digital banking with industry-leading margins.
7-factor investment score
- Valuation: 65/100 (weight 20%)
- Financial Health: 85/100 (weight 15%)
- Technical Momentum: 72/100 (weight 15%)
- Earnings Quality: 55/100 (weight 15%)
- Insider Sentiment: 45/100 (weight 10%)
- Analyst Consensus: 75/100 (weight 10%)
- Risk-Adjusted Return: 60/100 (weight 15%)
Credicorp Ltd opportunities and risks
What speaks for BAP
- Digital Dominance (Yape)
What speaks against BAP
- Valuation Mean Reversion
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| BAP | 13.1x | 3.3x | 7.4x | 76.7% | 25.0% | 7.1% |
| IFS | 9.6x | 2.0x | 7.4x | 67.3% | 21.1% | 17.2% |
| Peer median | 9.6x | 2.0x | 7.4x | 67.3% | 21.1% | 17.2% |
Frequently asked questions about Credicorp Ltd (BAP)
Is BAP stock a good investment?
The TradeMates model rates Credicorp Ltd as BUY with an investment score of 68/100. BAP represents a high-quality play on Peruvian credit expansion and digital banking with industry-leading margins. This is algorithmic model output, not personal investment advice.
Is BAP stock a buy?
The TradeMates model verdict for BAP is BUY with an investment score of 68/100. Treat this as a model signal to review, not a personal buy recommendation.