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Financial statements

CREDICORP LTD financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data CREDICORP LTD files with the SEC in its annual reports.

In PEN millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2015FY2017FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Revenue15,76516,81917,59917,99519,67418,41519,45220,91925,66527,472
General and administrative1,9962,0952,1592,3182,3612,3842,9543,4143,8034,184
Pre-tax income4,3614,8915,5755,5925,9762245,3336,8716,8487,825
Income tax1,1971,2811,3931,5211,623-1101,6612,1111,8882,201
Net income to minority interests71.195.489.987.487-12.887.211294.3122
Net income3,0923,5154,0923,9844,2653473,5854,6484,8665,501
EPS, basic38.9144.2351.4950.1353.664.3745.0958.4461.2269.24
EPS, diluted38.8444.1551.3549.9953.534.3644.9958.3261.0869.09

Balance sheet

FY2015FY2017FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Cash and equivalents22,04516,63323,21222,16125,97436,73439,29434,12133,92147,570
Property, plant and equipment1,6711,5521,5091,4811,4281,3751,3091,2811,3581,439
Lease right-of-use assets0822703586544500403
Goodwill636636591866821797772798722
Intangible assets1,2691,3251,3431,4641,6661,8181,9132,1272,4272,567
Total assets155,480156,435170,472177,263187,859237,406243,444235,414238,840256,089
Total liabilities138,753136,319148,219152,997161,113211,961216,611205,819205,733221,112
Paid-in capital281272246226193229232228176
Retained earnings3,5174,2714,1754,3753473,1834,2774,5725,643
Shareholders' equity19,65621,75723,83926,23824,94626,29229,00432,46034,346
Minority interests460497427508500541592647631
Total equity16,72820,11722,06224,26626,74625,44626,83329,59533,10734,977
Total liabilities and equity155,481156,435170,472177,263187,859237,406243,444235,414238,840256,089

Cash flow statement

FY2015FY2017FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Net income3,1633,6104,1824,0714,3523343,6724,7604,9605,623
Depreciation and amortization396407420429455498522485511571
Cash from operations-1,316-1,3689,507-2526,93412,6863,973-1,1514,08014,522
Capital expenditures-148-110-144-181-135-98.1-108-193-322-310
Cash from investing-1,582-1,979250-59.3726-1,872-3,728-1,095-1,255528
Debt issued667-401-400
Share buybacks-73-66.5-71
Dividends paid-540-653-980-1,130-1,595-2,393-399-1,196-1,994-3,665
Cash from financing53.9-1,611-2,394-1,445-3,552-2,088-465-1,601-2,264-1,810
Exchange rate effect3,200-454-785705-2952,0352,780-1,325-761410
Free cash flow-1,464-1,4789,363-4336,79912,5873,865-1,3443,75714,212
Interest paid-2,3192,7732,8863,0343,1942,9602,2312,8485,0815,853

Key metrics

Worked out from the statements above. Latest values use fiscal 2024. No valuation: the share price is quoted in a different currency than the statements.

Profitability

MetricValueHow it is calculated
Pre-tax margin28.5%Pre-tax income / revenue.
Net margin20.0%Net income / revenue.
FCF margin51.7%Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin52.9%Cash from operations / revenue.
Effective tax rate28.1%Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)16.5%Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)2.2%Net income / average total assets.
Capex / revenue1.1%Capital expenditures / revenue.
D&A / revenue2.1%Depreciation and amortization / revenue.

Growth

MetricValueHow it is calculated
Revenue growth, 1y7.0%Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y12.2%Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y6.9%Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y13.1%Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y15.3%Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y5.2%Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y13.1%EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y15.4%Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y5.2%Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y256.0%Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y54.0%Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y15.9%Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y278.2%Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y54.3%Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y15.9%Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y5.8%Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y9.3%Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y5.5%Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y7.2%Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y1.7%Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y6.4%Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.

Balance sheet health

MetricValueHow it is calculated
Liabilities / assets86.3%Total liabilities / total assets.
Goodwill and intangibles / assets1.3%(Goodwill + intangible assets) / total assets.
Tangible book valuePEN 31.06BShareholders' equity - goodwill - intangible assets.

Efficiency

MetricValueHow it is calculated
Asset turnover0.11xRevenue / average total assets.
Fixed asset turnover19.7xRevenue / average property, plant and equipment.
FCF conversion258.3%Free cash flow / net income, when net income is positive.
Capex / operating cash flow2.1%Capital expenditures / cash from operations, when that is positive.

Per share

MetricValueHow it is calculated
EPS, dilutedPEN 69.09Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basicPEN 69.24Net income per basic share, as reported (split-adjusted).
Payout ratio66.6%Dividends paid / net income, when net income is positive.
Dividends / FCF25.8%Dividends paid / free cash flow, when free cash flow is positive.
What was CREDICORP LTD's revenue in fiscal 2024?

CREDICORP LTD reported revenue of PEN 27.47B for fiscal 2024, 7% higher than the year before.

Was CREDICORP LTD profitable in fiscal 2024?

Yes. Net income was PEN 5.50B, a net margin of 20%.

How much free cash flow did CREDICORP LTD generate in fiscal 2024?

Cash from operations of PEN 14.52B minus capital expenditures of PEN 310.1M left free cash flow of PEN 14.21B.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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