BAP Stock Risk & Deep Value Analysis
Credicorp Ltd
DVR Score
out of 10
The Bottom Line on BAP
We analyzed Credicorp Ltd using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran BAP through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Here's what we found.
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Weekly adjusted close · Quarterly revenue & EPS · DVR score history
BAP Quality Rating
BAP Stock Risk Analysis
Overall Risk
Conservative
Financial Risk
Low
Market Risk
Medium
BAP Deep Value Analysis
BAP Research Sources
No external source links for this analysis yet. Run a fresh analysis to capture SEC filings and financial news articles we used.
For educational context only. Not financial advice.
BAP Red Flags & Warning Signs
- ⚠
Adverse economic downturn in Peru or the broader Andean region
- ⚠
Increased regulatory scrutiny or unfavorable policy changes
- ⚠
Significant disruption from global fintech competitors entering core markets
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BAP Financial Health Metrics
Market Cap
$27.20B
P/E Ratio
14.07
Profit Margin
24.53%
Debt-to-Equity
0.36
Dividend Yield
0.00%
Beta (Volatility)
0.87
Earnings Per Share
$5.91
BAP Competitive Moat Analysis
Moat Rating
Wide
Moat Trend
Stable
Moat Sources
4 Identified
Credicorp's moat is highly durable, built on decades of market dominance, regulatory approvals, deep customer relationships, and a comprehensive financial ecosystem in the Andean region. Its scale makes it difficult for new entrants to compete effectively on cost or reach.
BAP Competitive Moat Analysis
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BAP Catalysts & Growth Drivers
Near-Term (0-6 months)
- •Q1 2026 Earnings on 2026-05-14 (potential for EPS beat)
- •Continued execution of digital banking initiatives (e.g., Yape expansion)
Medium-Term (6-18 months)
- •Further market share consolidation in Peru and other Andean markets
- •Potential acquisition of smaller regional banks
Long-Term (18+ months)
- •Sustained economic growth in the Andean region driving demand for financial services
- •Adaptation and leadership in fintech innovation within its core markets
Catalysts & Growth Drivers
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BAP Bull Case: What Could Go Right
- ✓
Consistent dividend growth and payout ratio stability
- ✓
Positive trends in digital user engagement and transaction volume (Yape)
- ✓
Stability of the Peruvian economy and regulatory environment
Bull Case Analysis
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FAQ
What is the DVR Score for Credicorp Ltd (BAP)?
As of April 7, 2026, Credicorp Ltd has a DVR Score of 1.5 out of 10, placing it in the "Distressed" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of Credicorp Ltd?
Credicorp Ltd's market capitalization is approximately $27.2B..
What is the risk level for BAP stock?
Our analysis rates Credicorp Ltd's overall risk as Conservative. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of BAP?
Credicorp Ltd currently has a price-to-earnings (P/E) ratio of 14.1. This is below the market average, which could indicate the stock is undervalued or facing headwinds.
Is Credicorp Ltd's revenue growing?
Credicorp Ltd has reported revenue growth of 0.0%. Revenue has been declining, which warrants closer examination.
Is BAP stock profitable?
Credicorp Ltd has a profit margin of 24.5%. This indicates strong profitability.
How often is the BAP DVR analysis updated?
Our AI-powered analysis of Credicorp Ltd is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on April 7, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research and consult with a qualified financial advisor.