Credicorp
Runs Peru-centered banking, payments, microfinance, insurance, pensions, and investment services across Latin America.
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Profile
Provides universal banking and payments, microfinance, insurance and pensions, and investment management and advisory across Latin America. Most activity remains anchored in Peru and BCP, while income spans lending spreads, transactions, premiums, asset-based fees, and capital-markets services.
Provides universal banking and payments through BCP and Yape, microfinance through Mibanco, insurance and health services through Pacífico, pensions through Prima AFP, and investment management and advisory through Credicorp Capital, BCP Wealth Management, and ASB Bank.
Operates primarily in Peru, with selected businesses extending across Bolivia, Colombia, Chile, Panama, the United States, and Mexico. The group combines a large retail and wholesale banking network with digital channels and specialist financial franchises.
Execution centers on customer-focused digital transformation across established subsidiaries and newer platforms. Economic weight remains concentrated in BCP and the Peruvian market, while results depend on credit quality, deposits, interest and currency movements, claims, pension rules, capital-markets conditions, and technology and cybersecurity controls.
Company facts
Categories
Key statistics
Year to date +28.5% · Average volume (30d) 287.6K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 20, 2026 | UBS | Reiterate | Buy | $412 | $473 | |
| Jun 17, 2026 | Morgan Stanley | Upgrade | Equal Weight | Overweight | $195 | $480 |
| Jun 15, 2026 | JP Morgan | Downgrade | Overweight | Neutral | ||
| May 26, 2026 | UBS | Reiterate | Buy | $408 | $412 | |
| May 19, 2026 | HSBC | Upgrade | Hold | Buy | $350 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 13, 2026Q2 FY26 | $7.31 | $7.29 | −0.3% | $1.82B | $1.85B | +1.4% | +2.99% |
| May 14, 2026Q1 FY26 | $6.92 | $7.65 | +10.5% | $1.55B | $1.73B | +11.5% | −3.47% |
| Feb 12, 2026Q4 FY25 | $6.50 | $5.88 | −9.5% | $1.75B | $1.78B | +1.8% | −3.30% |
| Nov 13, 2025Q3 FY25 | $6.29 | $6.17 | −1.9% | $1.64B | $1.53B | −6.5% | +0.65% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $2.07B | $2.21B | $1.58B | $2.48B | $2.31B | $2.42B | |
| Gross profit | $1.50B | $1.65B | $1.23B | $1.91B | $1.79B | $1.81B | |
| Operating income | $751.7M | $764.3M | $807.4M | $699.5M | $869.4M | $840.9M | |
| Net income | $530.4M | $543.7M | $518.8M | $470.4M | $614.5M | $586.8M | |
| Diluted EPS | $6.68 | $6.80 | $6.52 | $5.94 | $7.73 | $7.39 | |
| Gross margin | 72.5% | 74.6% | 77.9% | 76.9% | 77.7% | 74.9% | |
| Operating margin | 36.3% | 34.5% | 51.1% | 28.2% | 37.7% | 34.8% |
Fiscal years (4-quarter sums)FY21 $5.08B · FY22 $6.79B · FY23 $7.57B · FY24 $8.01B · FY25 $8.34B
Revenue by geography · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $12.30B · Total debt $10.75B · Total assets $84.24B · Shareholders' equity $11.35B
Dividends
Raised for 4 straight years — most recently to $14.6379 from $11.0111 in May 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| May 18, 2026 | May 18 | Jun 12 | $14.6379 | raised from $11.0111 |
| May 19, 2025 | May 19 | Jun 13 | $11.0111 | raised from $9.2875 |
| Sep 23, 2024 | Sep 23 | Oct 18 | $2.9167 | special dividend |
| May 17, 2024 | May 20 | Jun 14 | $9.2875 | raised from $6.7749 |
| May 18, 2023 | May 19 | Jun 9 | $6.7749 | raised from $3.9936 split-adjusted |
| May 19, 2022 | May 20 | Jun 10 | $3.855 | raised from $1.2087 split-adjusted |
| Sep 14, 2021 | Sep 15 | Oct 7 | $1.2087 |
Ownership
Shares outstanding 79.45M · Float 53.24M · 67.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Belismelis Luis Enrique Romero · director, officer: EXECUTIVE CHAIRMAN | 5.57M | 7.01% | Form 4 | Apr 6, 2026 |
| Capital World Investors | 4.41M | 5.60% | 13G | Aug 12, 2026 |
| BlackRock, Inc. | 4.29M | 5.40% | 13G | Jul 27, 2026 |
| FMR LLC | 3.93M | 4.94% | 13F | Aug 13, 2026 |
| Dodge & Cox | 2.61M | 3.29% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 5, 2026 | Diego Antonio Cavero | officer: CEO Head Universal Banking | −3,500 | $319.00 |
| May 21, 2026 | Alejandro Perez-Reyes | officer: CFO | −1,073 | $337.50 |
Peers
- Intercorp Financial Services
Broad Peruvian rival in banking, payments, insurance and wealth
- BBVA (ADR)
Peruvian rival across retail, business, digital and investment banking
- Scotiabank
Peru banking and private pensions overlap through major subsidiaries
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Credicorp | $368.40 | +0.08% | $29.27B | 13.4 | 14.1 | 3.3 | −11.6% |
| Intercorp Financial Services | $54.65 | −0.02% | $6.07B | 9.7 | 10.4 | 1.9 | +29.1% |
| BBVA (ADR) | $28.93 | −0.24% | $160.23B | 13.3 | 10.5 | 3.4 | +17.8% |
| Scotiabank | $92.09 | −0.31% | $112.63B | 16.8 | 13.8 | 2.2 | −42.3% |
| Median | 13.3 | 10.5 | 2.2 | +17.8% |