Credicorp (BAP)
Runs Peru-centered banking, payments, microfinance, insurance, pensions, and investment services across Latin America.
$326.02
After hours−67.17 (−17.08%)
At close$393.19(+0.83%)
In millions of USD, except per-share figures · converted from PEN at the latest rate
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,931 | 1,913 | 1,945 | 2,018 | 2,036 | 1,957 | 2,053 | 2,197 | 1,567 | 2,461 | 2,292 | 2,401 |
| Cost of revenue | 735 | 850 | 686 | 758 | 673 | 745 | 564 | 557 | 347 | 568 | 512 | 602 |
| Gross profit | 1,196 | 1,063 | 1,259 | 1,260 | 1,363 | 1,212 | 1,489 | 1,640 | 1,221 | 1,893 | 1,780 | 1,799 |
| 687 | 682 | 646 | 701 | 737 | 692 | 743 | 881 | 419 | 1,199 | 919 | 966 | |
| 538 | 632 | 518 | 560 | 576 | 690 | 608 | 599 | 766 | 449 | 452 | 458 | |
| Selling & marketing | 51 | 71 | 17 | 40 | 59 | 72 | 25 | 33 | 62 | 0 | 0 | 0 |
| General & administrative | 488 | 561 | 501 | 520 | 517 | 618 | 582 | 566 | 704 | 449 | 452 | 458 |
| Other expenses | 148 | 50 | 128 | 141 | 161 | 1 | 136 | 282 | −347 | 750 | 467 | 508 |
| Operating income | 509 | 381 | 613 | 559 | 625 | 520 | 746 | 759 | 802 | 694 | 863 | 835 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −59 | 0 | −3 | −2 | |
| Interest income | 1,424 | 1,439 | 1,456 | 1,459 | 1,476 | 1,480 | 1,442 | 1,451 | 1,058 | 1,613 | 1,541 | 1,591 |
| Interest expense | 464 | 451 | 444 | 434 | 416 | 409 | 392 | 387 | 230 | 447 | 369 | 387 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 2 |
| Income before tax | 509 | 381 | 613 | 559 | 625 | 520 | 746 | 759 | 743 | 694 | 860 | 833 |
| Income tax expense | 135 | 129 | 157 | 154 | 164 | 177 | 209 | 206 | 216 | 216 | 239 | 239 |
| Net income from continuing operations | 374 | 252 | 457 | 405 | 461 | 343 | 538 | 552 | 527 | 478 | 621 | 594 |
| Discontinued operations | 0 | 0 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other adjustments | 0 | 0 | 0 | −8 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 2 |
| Net income | 367 | 249 | 448 | 397 | 451 | 334 | 527 | 540 | 515 | 467 | 610 | 583 |
| EPS, basic | $4.61 | $3.13 | $5.63 | $4.99 | $5.67 | $4.19 | $6.63 | $6.75 | $6.47 | $5.89 | $7.68 | $7.34 |
| EPS, diluted | $4.61 | $3.13 | $5.63 | $4.99 | $5.68 | $4.19 | $6.63 | $6.75 | $6.47 | $5.89 | $7.67 | $7.34 |
| Weighted average shares, basic | 80 | 79 | 79 | 79 | 79 | 80 | 79 | 80 | 79 | 80 | 79 | 79 |
| Weighted average shares, diluted | 80 | 79 | 79 | 79 | 79 | 80 | 79 | 80 | 79 | 80 | 79 | 79 |
| EBITDA | 557 | 434 | 665 | 610 | 679 | 575 | 807 | 822 | 867 | 694 | 932 | 833 |
| Depreciation & amortization | 47 | 53 | 52 | 51 | 53 | 55 | 60 | 63 | 65 | 0 | 71 | 0 |
| EBIT | 509 | 381 | 613 | 559 | 625 | 520 | 746 | 759 | 802 | 694 | 860 | 833 |