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Credicorp (MX:BAPN)
:BAPN
Mexico Market
BAPN
Credicorp
RESEARCH TOOLSreports

Credicorp (BAPN) Ratios

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Credicorp Ratios

MX:BAPN's free cash flow for Q2 2026 was S/.0.75. For the 2026 fiscal year, MX:BAPN's free cash flow was decreased by S/. and operating cash flow was S/.0.35. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 2.37 3.23 0.53 0.49 0.47
Quick Ratio
 2.37 3.23 0.53 0.49 0.47
Cash Ratio
 2.25 3.00 0.27 0.21 0.21
Solvency Ratio
 0.03 0.03 0.03 0.03 0.03
Operating Cash Flow Ratio
 0.30 0.56 0.08 0.02 >-0.01
Short-Term Operating Cash Flow Coverage
 0.30 0.56 1.39 0.35 -0.08
Net Current Asset Value
S/. -200.09BS/. -183.31BS/. -126.91BS/. -125.75BS/. -129.14B
Leverage Ratios
Debt-to-Assets Ratio
 0.13 0.13 0.15 0.16 0.17
Debt-to-Equity Ratio
 0.95 0.94 1.09 1.16 1.36
Debt-to-Capital Ratio
 0.49 0.49 0.52 0.54 0.58
Long-Term Debt-to-Capital Ratio
 0.31 0.35 0.44 0.44 0.46
Financial Leverage Ratio
 7.42 7.30 7.46 7.36 8.12
Debt Service Coverage Ratio
 0.35 0.41 0.39 0.32 0.30
Interest Coverage Ratio
 2.23 2.02 1.36 1.17 1.75
Debt to Market Cap
 0.35 0.44 0.67 0.85 0.95
Interest Debt Per Share
 514.61 494.46 543.12 546.25 545.83
Net Debt to EBITDA
 -0.46 -0.81 -1.17 0.49 0.72
Profitability Margins
Gross Profit Margin
76.74%73.71%64.20%61.95%71.55%
EBIT Margin
36.57%34.40%28.98%26.99%33.31%
EBITDA Margin
38.13%37.52%31.66%29.62%36.43%
Operating Profit Margin
36.62%34.40%28.98%26.99%33.31%
Pretax Profit Margin
35.89%34.40%28.98%26.99%33.31%
Net Profit Margin
24.93%23.95%20.38%19.18%22.53%
Continuous Operations Profit Margin
25.45%24.49%20.83%19.55%23.08%
Net Income Per EBT
69.47%69.62%70.31%71.05%67.65%
EBT Per EBIT
98.01%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.60%2.59%2.15%2.04%1.97%
Return on Equity (ROE)
19.58%18.92%16.02%14.99%16.02%
Return on Capital Employed (ROCE)
4.08%3.93%9.79%9.10%9.66%
Return on Invested Capital (ROIC)
2.71%2.65%6.27%5.70%5.59%
Return on Tangible Assets
2.65%2.64%2.18%2.07%2.00%
Earnings Yield
7.19%9.00%10.00%11.10%11.33%
Efficiency Ratios
Receivables Turnover
 12.97 13.31 2.20 2.06 1.68
Payables Turnover
 0.00 0.00 2.65 2.54 1.88
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 10.34 9.88 13.56 12.96 10.87
Asset Turnover
 0.10 0.11 0.11 0.11 0.09
Working Capital Turnover Ratio
 1.00 -1.16 -0.33 -0.30 -0.23
Cash Conversion Cycle
 28.14 27.43 28.11 33.32 23.47
Days of Sales Outstanding
 28.14 27.43 165.79 176.86 217.64
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 137.68 143.53 194.17
Operating Cycle
 28.14 27.43 165.79 176.86 217.64
Cash Flow Ratios
Operating Cash Flow Per Share
 68.73 100.91 182.39 51.33 -14.48
Free Cash Flow Per Share
 65.15 96.95 168.44 36.85 -25.75
CapEx Per Share
 3.58 3.96 13.96 14.48 11.27
Free Cash Flow to Operating Cash Flow
 0.95 0.96 0.92 0.72 1.78
Dividend Paid and CapEx Coverage Ratio
 1.28 2.43 3.04 1.30 -0.55
Capital Expenditure Coverage Ratio
 19.22 25.48 13.07 3.54 -1.28
Operating Cash Flow Coverage Ratio
 0.15 0.23 0.39 0.11 -0.03
Operating Cash Flow to Sales Ratio
 0.19 0.28 0.54 0.16 -0.06
Free Cash Flow Yield
5.07%10.05%24.38%6.68%-4.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.87 11.06 10.00 9.01 8.83
Price-to-Sales (P/S) Ratio
 3.46 2.66 2.04 1.73 1.99
Price-to-Book (P/B) Ratio
 2.68 2.10 1.60 1.35 1.41
Price-to-Free Cash Flow (P/FCF) Ratio
 19.70 9.95 4.10 14.97 -20.03
Price-to-Operating Cash Flow Ratio
 18.66 9.56 3.79 10.74 -35.63
Price-to-Earnings Growth (PEG) Ratio
 0.78 0.42 0.76 1.86 0.30
Price-to-Fair Value
 2.68 2.10 1.60 1.35 1.41
Enterprise Value Multiple
 8.61 6.29 5.26 6.33 6.18
Enterprise Value
 96.88B 68.23B 45.00B 47.54B 46.45B
EV to EBITDA
 8.63 6.29 5.26 6.33 6.18
EV to Sales
 3.29 2.36 1.67 1.87 2.25
EV to Free Cash Flow
 18.72 8.82 3.36 16.23 -22.68
EV to Operating Cash Flow
 17.75 8.47 3.10 11.65 -40.34
Tangible Book Value Per Share
 426.86 408.21 398.00 375.97 335.68
Shareholders’ Equity Per Share
 479.18 458.79 431.39 408.42 364.70
Tax and Other Ratios
Effective Tax Rate
 0.29 0.29 0.28 0.28 0.31
Revenue Per Share
 370.76 362.43 339.07 319.24 259.34
Net Income Per Share
 92.44 86.80 69.09 61.22 58.44
Tax Burden
 0.69 0.70 0.70 0.71 0.68
Interest Burden
 0.98 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.24 0.30 0.30 0.26 0.29
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 0.92 1.16 2.58 0.84 -0.24
Currency in PEN