Recent News
Dec 23, 2025 — Analysts published a consensus recommendation of “Moderate Buy” for Credicorp. Jan 29, 2026 — the board set a virtual Annual General Meeting for March 31, 2026. Feb 27, 2026 — the company disclosed director nominees and published documentation ahead of the March 31, 2026 shareholders’ meeting.
Technical Analysis
ADX / DI+ / DI-: ADX at 15.61 indicates no established trend; DI+ recorded a peak-and-reverse (bearish) while DI- recorded a peak-and-reverse (bullish), producing offsetting directional signals that lack trend strength given the low ADX reading.
MACD: MACD sits negative at -2.85 with a dip-and-reversal pattern that signals improving momentum, but the MACD remains below its signal line (-1.08), so bullish momentum has not yet overcome prior downside pressure.
MRO (Momentum/Regression Oscillator): MRO at -2.78 indicates the price sits below the model target, implying room for price reversion upward; the MRO trend decreasing reduces the immediacy of that potential.
RSI: RSI at 55.28 and decreasing shows upside momentum waning from modestly favorable levels rather than offering strong overbought or oversold conviction.
Price vs. Moving Averages & Ichimoku: The last close at $329.83 sits slightly below the 12-day EMA ($330.79) and the 26-day EMA ($334.51), and inside the Ichimoku cloud (Senkou A $344.44 / Senkou B $310.10), consistent with consolidation rather than a directional breakout; the 50-day average ($339.95) remains well above the price while the 200-day average ($274.79) stays well below, indicating longer-term outperformance versus the multiyear baseline.
Bollinger Bands & Volume: Price trades inside the 1x Bollinger band ($324.43–$337.63), implying limited immediate volatility expansion; daily volume (324,642) sits below recent 10/50/200-day averages, signaling lighter participation during the consolidation.
Fundamental Analysis
Earnings and Revenue: Reported EPS of $5.93 missed the estimate of $6.45 by $0.52, an EPS surprise of -8.06%. Earnings growth shows a QoQ decline of -9.92% and a YoY decline of -68.49%. Reported revenue growth registers +0.59% on the short measure provided, while YoY revenue fell by -38.49%, indicating material year-over-year revenue contraction despite near-term stability.
Profitability & Cash Flow: Cash conversion to earnings shows $0.00 in the provided metric. Cost of debt stands at 3.95%, which frames financing expense against return metrics. Invested capital is reported at -$60,612,382,000, a notable accounting figure that materially affects capital-return calculations.
Valuation Multiples: Current P/E at 52.10x sits below the industry peer mean (61.57x) and industry peer median (61.87x). Forward EPS equals $8.08 with a forward P/E of 33.21x, below the industry peer mean forward P/E provided (45.38x). PEG sits negative at -6.24, more negative than the industry peer mean (approximately -3.60), reflecting depressed near-term earnings growth embedded in current multiples. WMDST values the stock as fair-valued given the mix of above-average multiples and deteriorating earnings metrics.
Outlook Drivers: The next scheduled report date is May 13, 2026, and the March 31, 2026 AGM represents an immediate corporate catalyst; both events may materially influence near-term fundamental perception and re-rate the multiples currently in place.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-12-31 |
| REPORT DATE: | 2026-02-11 |
| NEXT REPORT DATE: | 2026-05-13 |
| CASH FLOW | Begin Period Cash Flow | — |
| Operating Cash Flow | — | |
| Capital Expenditures | — | |
| Change In Working Capital | — | |
| Dividends Paid | — | |
| Cash Flow Delta | — | |
| End Period Cash Flow | — | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | — | |
| Forward Revenue | — | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | — | |
| Depreciation and Amortization | — | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | — | |
| Interest Expense | — | |
| Net Interest Income | — | |
| Income Before Tax | — | |
| Tax Provision | — | |
| Tax Rate | — | |
| Net Income | — | |
| Net Income From Continuing Operations | — | |
| EARNINGS | ||
| EPS Estimate | $ 6.45 | |
| EPS Actual | $ 5.93 | |
| EPS Difference | $ -0.52 | |
| EPS Surprise | -8.062 % | |
| Forward EPS | $ 8.08 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | — | |
| Intangible Assets | — | |
| Net Tangible Assets | — | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | — | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | — | |
| Total Liabilities | — | |
| EQUITY | ||
| Total Equity | — | |
| Retained Earnings | — | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | — | |
| Shares Outstanding | — | |
| Revenue Per-Share | — | |
| VALUATION | Market Capitalization | — |
| Enterprise Value | — | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | — | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | — | |
| Asset To Liability | — | |
| Debt To Capital | — | |
| Debt To Assets | — | |
| Debt To Assets QoQ | — | |
| Debt To Assets YoY | — | |
| Debt To Assets IPRWA | — | |
| Debt To Equity | — | |
| Debt To Equity QoQ | — | |
| Debt To Equity YoY | — | |
| Debt To Equity IPRWA | — | |
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | — | |
| Price To Book QoQ | — | |
| Price To Book YoY | — | |
| Price To Book IPRWA | — | |
| Price To Earnings (P/E) | 52.097 | |
| Price To Earnings QoQ | 32.241 % | |
| Price To Earnings YoY | 297.183 % | |
| Price To Earnings IPRWA | high: 87.915 median: 61.871 mean: 61.572 BAP: 52.097 low: 37.244 |
|
| PE/G Ratio | -6.242 | |
| Price To Sales (P/S) | — | |
| Price To Sales QoQ | — | |
| Price To Sales YoY | — | |
| Price To Sales IPRWA | — | |
| FORWARD MULTIPLES | ||
| Forward P/E | 33.214 | |
| Forward PE/G | -3.98 | |
| Forward P/S | — | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | — | |
| Asset Turnover Ratio QoQ | — | |
| Asset Turnover Ratio YoY | — | |
| Asset Turnover Ratio IPRWA | — | |
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | high: 83.413 mean: 13.496 low: 10.154 median: 10.154 BAP: 0 |
|
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | — | |
| CapEx To Depreciation | — | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | — | |
| Net Invested Capital | — | |
| Invested Capital | $ -60.61 B | |
| Net Tangible Assets | — | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 3.948 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | — | |
| Dividend Payout Ratio | — | |
| Dividend Rate | — | |
| Dividend Yield | — | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | — | |
| Revenue Growth | 0.585 % | |
| Revenue Growth QoQ | 0.0 % | |
| Revenue Growth YoY | -38.486 % | |
| Revenue Growth IPRWA | high: 5.65 % median: 3.449 % mean: 2.759 % BAP: 0.585 % low: -1.639 % |
|
| Earnings Growth | -8.346 % | |
| Earnings Growth QoQ | -991.667 % | |
| Earnings Growth YoY | -68.489 % | |
| Earnings Growth IPRWA | high: 12.184 % BAP: -8.346 % median: -8.679 % mean: -16.218 % low: -45.133 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | — | |
| Free Cash Flow Yield | — | |
| Free Cash Flow Yield QoQ | — | |
| Free Cash Flow Yield YoY | — | |
| Free Cash Flow Yield IPRWA | — | |
| Free Cash Growth | — | |
| Free Cash Growth QoQ | — | |
| Free Cash Growth YoY | — | |
| Free Cash Growth IPRWA | — | |
| Free Cash To Net Income | — | |
| Cash Flow Margin | — | |
| Cash Flow To Earnings | 0.0 | |
| VALUE & RETURNS | ||
| Economic Value Added | — | |
| Return On Assets (ROA) | — | |
| Return On Assets QoQ | — | |
| Return On Assets YoY | — | |
| Return On Assets IPRWA | — | |
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | — | |
| Return On Equity QoQ | — | |
| Return On Equity YoY | — | |
| Return On Equity IPRWA | — | |
| DuPont ROE | — | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |