Credicorp Ltd.
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
3.142.89
Price/Sales ratio
0.890.83
Earnings per Share (EPS)
$80.25$86.95

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
15.918.5211.9813.0614.8813.14135.8810.788.829.1010.3413.14
Price/Sales ratio
3.642.223.364.004.393.783.462.672.362.732.703.78
Price/Book Value ratio
2.711.632.142.452.482.131.881.451.411.361.612.13
Price/Cash Flow ratio
-20.81-19.35-28.905.74-486.088.083.719.73-36.1510.8625.43-486.08
Price/Free Cash Flow ratio
-16.00-14.22-22.856.01-81.978.723.9111.60-20.1915.1327.39-81.97
Price/Earnings Growth ratio
0.280.280.870.79-5.631.93-1.470.010.301.88-0.09-5.63
Dividend Yield
1.13%2.08%1.55%4.17%1.90%3.98%5.07%1.03%2.91%4.49%0.15%3.98%
Profitability Indicator Ratios
Gross Profit Margin
101.49%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
53.15%56.72%61.61%63.26%63.30%39.72%1.74%36.34%58.98%43.68%17.54%39.72%
Pretax Profit Margin
32.47%36.81%39.08%41.73%41.46%40.31%1.64%36.94%39.53%42.31%36.89%40.31%
Net Profit Margin
22.87%26.10%28.08%30.63%29.53%28.77%2.55%24.83%26.79%30.06%26.16%28.77%
Effective Tax Rate
28.56%27.45%26.19%24.99%27.19%27.16%-49.06%31.14%30.78%27.57%27.70%27.19%
Return on Assets
1.76%1.98%2.24%2.40%2.24%2.27%0.14%1.46%1.96%2.03%2.08%2.27%
Return On Equity
17.08%19.17%17.88%18.80%16.71%16.25%1.39%13.52%16.03%14.98%15.78%16.25%
Return on Capital Employed
4.14%4.36%4.99%5.02%4.87%3.17%0.10%2.17%4.34%3.03%1.40%3.17%
Liquidity Ratios
Current Ratio
1.351.311.341.331.331.320.54N/AN/AN/AN/A1.32
Quick Ratio
21.5023.2319.5422.0724.6626.7739.9425.1945.1712.92N/A26.77
Cash ratio
14.4318.198.5910.0710.9610.9116.2111.3723.005.50N/A10.91
Days of Sales Outstanding
74.7980.1260.3468.6277.73264.20270.68306.46258.82281.88N/A264.20
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
74.79N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
-3.61KN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
3.69KN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.170.150.140.130.130.120.090.100.100.100.110.12
Debt Equity Ratio
1.721.471.181.080.990.890.880.930.870.800.880.89
Long-term Debt to Capitalization
0.630.590.540.520.490.470.470.480.460.440.460.47
Total Debt to Capitalization
0.630.590.540.520.490.470.470.480.460.440.460.47
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.59N/A
Cash Flow to Debt Ratio
-0.07-0.05-0.060.39-0.000.290.570.16-0.040.150.07-0.00
Company Equity Multiplier
9.689.657.957.837.437.169.519.238.167.357.467.43
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.17-0.11-0.110.69-0.000.460.930.27-0.060.250.10-0.00
Free Cash Flow / Operating Cash Flow Ratio
1.301.361.260.955.920.920.950.831.780.710.920.92
Cash Flow Coverage Ratio
-0.07-0.05-0.060.39-0.000.290.570.16-0.040.150.07-0.00
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
17.98%17.82%18.58%54.55%28.37%52.36%689.79%11.12%25.74%40.98%N/A52.36%