BAP · NYSE · STOCK
Credicorp (BAP) Stock Analysis
$390.00
52W $230.45 – $413.25
64/100
$30.25B
14.2
0.87
Is BAP Bullish or Bearish?
Bullish.
Innellis AI committee rates Credicorp Ltd. (BAP) Buy with a composite score of 64/100
, based on 6 analysts with 83% agreement.
Last updated October 14, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.39 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.61 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is p/e of 14.2 is inexpensive for the broad market. The main limiting factor is 2 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 14.2 is inexpensive for the broad market — Value
- ROE of 19.3% shows genuine earnings power backing the valuation — Value
- Dividend yield of 5.3% pays you to wait — Value
- Revenue growing 33.1% YoY -- genuine top-line momentum — Growth
- News sentiment is positive (+0.33 across 3 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 14, 2026
Overall Committee Score
64/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 30%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.2 is inexpensive for the broad market
Growth Analyst
bullish
60
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 33.1% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
70
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 3 articles, 14d)
Portfolio Manager
bearish
35
/ 100 · Low confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− 2 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 64.8 to 63.6.
- Committee agreement increased modestly from 80% to 83%.
- Bullish support removed: 3 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- New analyst(s) joined: Risk Analyst.
Analyst-level changes:
- Macro Analyst: score 80->65 (-15).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: score 30->35 (+5).
- Risk Analyst joined: bullish at 70.
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-13 to 2026-10-14 (1 day apart).
Technical Analysis
RSI (14)
56.3
Neutral
MACD Histogram
0.071
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$365.58
Resistance
$408.91
Bollinger %B
0.58
Inside Bands
Price vs Moving Averages
EMA 9
$381.44
Above
EMA 21
$381.19
Above
EMA 50
$379.89
Above
EMA 200
$349.30
Above
Fundamental Analysis
Valuation
94
Growth
46
Profitability
80
Financial Health
89
Cash Flow
70
Valuation
P/E Ratio
14.2×
P/B Ratio
2.73×
PEG Ratio
0.79
Dividend Yield
3.85%
52W High
$413.25
52W Low
$230.45
Quality & Growth
ROE
1891.9%
ROA
259.1%
Gross Margin
7673.9%
Operating Margin
3662.0%
Revenue Growth YoY
—
Debt / Equity
0.95
AI Fundamental Assessment
P/E ratio of 14.2 (inexpensive relative to a 15-40x range); Price-to-book of 2.7x; PEG ratio of 0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 18.9%; Return on assets of 2.6%; Net margin of 24.9%; Gross margin of 76.7%; Current ratio of 2.37 (healthy short-term liquidity); Debt-to-equity of 0.95; Free cash flow per share is positive (65.15); Most recent quarter missed estimates by 0.6%; EPS growth decelerating (+29.9% -> -3.1% QoQ); Average YoY EPS growth of 10.0%; Analyst estimates rising over recent quarters
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