Credicorp (BAPN) Ratios
Credicorp Ratios
MX:BAPN's free cash flow for Q2 2026 was $4.53B. For the 2026 fiscal year, MX:BAPN's free cash flow was decreased by $-63.85M and operating cash flow was $4.59B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 3.23 | 0.53 | 0.49 | 0.47 | 0.49 |
| Quick Ratio | 3.23 | 0.53 | 0.49 | 0.47 | 0.49 |
| Cash Ratio | 3.00 | 0.27 | 0.21 | 0.21 | 0.22 |
| Solvency Ratio | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 |
| Operating Cash Flow Ratio | 0.56 | 0.08 | 0.02 | -0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.56 | 1.39 | 0.35 | -0.08 | 0.18 |
| Net Current Asset Value | $ -183.31B | $ -126.91B | $ -125.75B | $ -129.14B | $ -129.64B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.13 | 0.15 | 0.16 | 0.17 | 0.20 |
| Debt-to-Equity Ratio | 0.94 | 1.09 | 1.16 | 1.36 | 1.81 |
| Debt-to-Capital Ratio | 0.49 | 0.52 | 0.54 | 0.58 | 0.64 |
| Long-Term Debt-to-Capital Ratio | 0.35 | 0.44 | 0.44 | 0.46 | 0.49 |
| Financial Leverage Ratio | 7.30 | 7.46 | 7.36 | 8.12 | 9.26 |
| Debt Service Coverage Ratio | 0.41 | 0.39 | 0.32 | 0.30 | 0.18 |
| Interest Coverage Ratio | 2.02 | 1.36 | 1.17 | 1.75 | 2.14 |
| Debt to Market Cap | 0.44 | 0.67 | 0.85 | 0.95 | 1.22 |
| Interest Debt Per Share | 494.46 | 543.12 | 546.25 | 545.83 | 631.42 |
| Net Debt to EBITDA | -0.81 | -1.17 | 0.49 | 0.72 | 1.39 |
| Profitability Margins | |||||
| Gross Profit Margin | 73.71% | 64.20% | 61.95% | 71.55% | 79.93% |
| EBIT Margin | 34.40% | 28.98% | 26.99% | 33.31% | 27.75% |
| EBITDA Margin | 37.52% | 31.66% | 29.62% | 36.43% | 31.34% |
| Operating Profit Margin | 34.40% | 28.98% | 26.99% | 33.31% | 27.75% |
| Pretax Profit Margin | 34.40% | 28.98% | 26.99% | 33.31% | 27.75% |
| Net Profit Margin | 23.95% | 20.38% | 19.18% | 22.53% | 18.65% |
| Continuous Operations Profit Margin | 24.49% | 20.83% | 19.55% | 23.08% | 19.11% |
| Net Income Per EBT | 69.62% | 70.31% | 71.05% | 67.65% | 67.22% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 2.59% | 2.15% | 2.04% | 1.97% | 1.47% |
| Return on Equity (ROE) | 18.92% | 16.02% | 14.99% | 16.02% | 13.63% |
| Return on Capital Employed (ROCE) | 3.93% | 9.79% | 9.10% | 9.66% | 7.87% |
| Return on Invested Capital (ROIC) | 2.65% | 6.27% | 5.70% | 5.59% | 4.09% |
| Return on Tangible Assets | 2.64% | 2.18% | 2.07% | 2.00% | 1.49% |
| Earnings Yield | 9.00% | 10.00% | 11.10% | 11.33% | 9.27% |
| Efficiency Ratios | |||||
| Receivables Turnover | 13.31 | 2.20 | 2.06 | 1.68 | 1.59 |
| Payables Turnover | 0.00 | 2.65 | 2.54 | 1.88 | 1.32 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 9.88 | 13.56 | 12.96 | 10.87 | 10.14 |
| Asset Turnover | 0.11 | 0.11 | 0.11 | 0.09 | 0.08 |
| Working Capital Turnover Ratio | -1.16 | -0.33 | -0.30 | -0.23 | -0.22 |
| Cash Conversion Cycle | 27.43 | 28.11 | 33.32 | 23.47 | -47.40 |
| Days of Sales Outstanding | 27.43 | 165.79 | 176.86 | 217.64 | 230.16 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 137.68 | 143.53 | 194.17 | 277.56 |
| Operating Cycle | 27.43 | 165.79 | 176.86 | 217.64 | 230.16 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 100.91 | 182.39 | 51.33 | -14.48 | 49.98 |
| Free Cash Flow Per Share | 96.95 | 168.44 | 36.85 | -25.75 | 41.93 |
| Dividend Paid and CapEx Coverage Ratio | 2.43 | 3.04 | 1.30 | -0.55 | 3.82 |
| Capital Expenditure Coverage Ratio | 25.48 | 13.07 | 3.54 | -1.28 | 6.21 |
| Operating Cash Flow Coverage Ratio | 0.23 | 0.39 | 0.11 | -0.03 | 0.08 |
| Operating Cash Flow to Sales Ratio | 0.28 | 0.54 | 0.16 | -0.06 | 0.21 |
| Free Cash Flow Yield | 10.05% | 24.38% | 6.68% | -4.99% | 8.62% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.06 | 10.00 | 9.01 | 8.83 | 10.79 |
| Price-to-Sales (P/S) Ratio | 2.66 | 2.04 | 1.73 | 1.99 | 2.01 |
| Price-to-Book (P/B) Ratio | 2.10 | 1.60 | 1.35 | 1.41 | 1.47 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.95 | 4.10 | 14.97 | -20.03 | 11.60 |
| Price-to-Operating Cash Flow Ratio | 9.56 | 3.79 | 10.74 | -35.63 | 9.73 |
| Price-to-Earnings Growth (PEG) Ratio | 0.42 | 0.76 | 1.86 | 0.30 | 0.01 |
| Enterprise Value Multiple | 6.29 | 5.26 | 6.33 | 6.18 | 7.81 |
| Enterprise Value | 68.23B | 45.00B | 47.54B | 46.45B | 47.06B |
| EV to EBITDA | 6.29 | 5.26 | 6.33 | 6.18 | 7.81 |
| EV to Sales | 2.36 | 1.67 | 1.87 | 2.25 | 2.45 |
| EV to Free Cash Flow | 8.82 | 3.36 | 16.23 | -22.68 | 14.12 |
| EV to Operating Cash Flow | 8.47 | 3.10 | 11.65 | -40.34 | 11.84 |
| Tangible Book Value Per Share | 408.21 | 398.00 | 375.97 | 335.68 | 303.45 |
| Shareholders’ Equity Per Share | 458.79 | 431.39 | 408.42 | 364.70 | 330.74 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.28 | 0.28 | 0.31 | 0.31 |
| Revenue Per Share | 362.43 | 339.07 | 319.24 | 259.34 | 241.77 |
| Net Income Per Share | 86.80 | 69.09 | 61.22 | 58.44 | 45.09 |
| Tax Burden | 0.70 | 0.70 | 0.71 | 0.68 | 0.67 |
| Interest Burden | 1.00 | 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 | 0.30 | 0.30 | 0.26 | 0.29 | 0.41 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.16 | 2.58 | 0.84 | -0.24 | 1.08 |
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