BAP · CIK 0001001290
CREDICORP LTD
Annual figures as reported, FY2014–FY2024. Ratios and growth rates derived on-page.
Commercial Banks, NEC
Company profile
Revenue
PEN 27.5B
▲ +7.0% vs FY2023
Net income
PEN 5.6B
▲ +13.4% vs FY2023
Free cash flow
PEN 14.2B
▲ +278.2% vs FY2023
Diluted EPS
PEN 69.09
▲ +13.1% vs FY2023
Revenue
Annual, as reported
Net income
Annual, as reported
Profitability & returns
quality of earningsMargins
Share of revenue kept at each line
Returns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paid
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Growth rates
compounding, annualizedRevenue CAGR
+12.2%
3y
+6.9%
5y
Net income CAGR
+15.3%
3y
+5.3%
5y
Diluted EPS CAGR
+15.4%
3y
+5.2%
5y
Free cash flow CAGR
+54.3%
3y
+15.9%
5y
Share count change (split-adjusted)
−0.1%
5y
Key ratios
derived per fiscal year| Fiscal year | Net margin | FCF margin | ROE | ROA | DPS |
|---|---|---|---|---|---|
| FY2024 | 20.5% | 51.7% | 16.1% | 2.2% | PEN 35.00 |
| FY2023 | 19.3% | 14.6% | 15.0% | 2.1% | PEN 25.00 |
| FY2022 | 22.8% | −6.4% | 16.1% | 2.0% | PEN 15.00 |
| FY2021 | 18.9% | 19.9% | 13.7% | 1.5% | PEN 5.00 |
| FY2020 | 1.8% | 68.4% | 1.3% | 0.1% | PEN 30.00 |
| FY2019 | 22.1% | 34.6% | 16.3% | 2.3% | PEN 20.00 |
| FY2018 | 22.6% | −2.4% | 16.8% | 2.3% | PEN 14.17 |
| FY2017 | 23.8% | 53.2% | 19.0% | 2.5% | PEN 12.29 |
| FY2016 | 21.5% | −8.8% | 17.9% | 2.3% | — |
| FY2015 | 20.1% | −9.3% | 18.9% | 2.0% | — |
| FY2014 | — | — | — | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2024 | PEN 27.5B | — | — | PEN 5.6B | PEN 69.09 | PEN 14.5B | PEN 310.1M | PEN 256.1B | PEN 221.1B | PEN 35.0B | PEN 47.6B | — |
| FY2023 | PEN 25.7B | — | — | PEN 5.0B | PEN 61.08 | PEN 4.1B | PEN 322.4M | PEN 238.8B | PEN 205.7B | PEN 33.1B | PEN 33.9B | — |
| FY2022 | PEN 20.9B | — | — | PEN 4.8B | PEN 58.32 | −PEN 1.2B | PEN 192.7M | PEN 235.4B | PEN 205.8B | PEN 29.6B | PEN 34.1B | — |
| FY2021 | PEN 19.5B | — | — | PEN 3.7B | PEN 44.99 | PEN 4.0B | PEN 107.8M | PEN 243.4B | PEN 216.6B | PEN 26.8B | PEN 39.3B | — |
| FY2020 | PEN 18.4B | — | — | PEN 334.1M | PEN 4.36 | PEN 12.7B | PEN 98.1M | PEN 237.4B | PEN 212.0B | PEN 25.4B | PEN 36.7B | — |
| FY2019 | PEN 19.7B | — | — | PEN 4.4B | PEN 53.53 | PEN 6.9B | PEN 134.8M | PEN 187.9B | PEN 161.1B | PEN 26.7B | PEN 26.0B | — |
| FY2018 | PEN 18.0B | — | — | PEN 4.1B | PEN 49.99 | −PEN 251.6M | PEN 181.5M | PEN 177.3B | PEN 153.0B | PEN 24.3B | PEN 23.2B | — |
| FY2017 | PEN 17.6B | — | — | PEN 4.2B | PEN 51.35 | PEN 9.5B | PEN 143.9M | PEN 170.5B | PEN 148.2B | PEN 22.1B | PEN 23.2B | — |
| FY2016 | PEN 16.8B | — | — | PEN 3.6B | PEN 44.15 | −PEN 1.4B | PEN 110.2M | PEN 156.4B | PEN 136.3B | PEN 20.1B | PEN 16.6B | — |
| FY2015 | PEN 15.8B | — | — | PEN 3.2B | PEN 38.84 | −PEN 1.3B | PEN 148.4M | PEN 155.5B | PEN 138.8B | PEN 16.7B | PEN 22.0B | — |
| FY2014 | — | — | — | — | — | — | — | — | — | PEN 14.6B | PEN 21.7B | — |
Latest filings
the most recent regulatory filings6-KForeign issuer report2026-06-24 ↗6-KForeign issuer report2026-06-10 ↗4PRIMARY DOCUMENT2026-06-09 ↗6-KForeign issuer report2026-06-09 ↗4PRIMARY DOCUMENT2026-05-26 ↗6-KForeign issuer report2026-05-18 ↗6-KForeign issuer report2026-05-13 ↗6-KForeign issuer report2026-05-05 ↗6-KForeign issuer report2026-05-01 ↗SCHEDULE 13G/ASEC filing2026-04-30 ↗
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