Credicorp (BAP) Exceeds Q3 Earnings and Revenue Projections
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 14 2025
0mins
Source: NASDAQ.COM
Earnings Performance: Credicorp (BAP) reported quarterly earnings of $6.17 per share, exceeding the Zacks Consensus Estimate of $6.05, and showing a year-over-year increase from $5.08 per share. The company also surpassed revenue expectations with $1.65 billion for the quarter.
Stock Outlook: Credicorp shares have risen approximately 43.2% year-to-date, significantly outperforming the S&P 500's 16.5% gain. The stock currently holds a Zacks Rank #2 (Buy), indicating expectations for continued outperformance.
Future Earnings Estimates: The consensus EPS estimate for the upcoming quarter is $5.98, with projected revenues of $1.71 billion. The outlook for the current fiscal year anticipates earnings of $23.85 per share on $6.47 billion in revenues.
Industry Context: The Banks - Foreign industry, to which Credicorp belongs, is ranked in the top 31% of Zacks industries, suggesting a favorable environment for stock performance. Investors are encouraged to monitor earnings estimate revisions as they can significantly influence stock movements.
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Analyst Views on BAP
Wall Street analysts forecast BAP stock price to fall
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 341.050
Low
264.00
Averages
323.00
High
412.00
Current: 341.050
Low
264.00
Averages
323.00
High
412.00
About BAP
Credicorp Ltd is a Peru-based financial services holding company. The Company is organized into four lines of business: Universal Banking, Insurance and Pensions that mainly serve the overall Peruvian market, Microfinance and Investment Banking and Wealth Management that have a strong presence in Latin America. The Company has leveraged its franchises and has consolidated into a Group with more than 36,000 employees and operations mainly in six countries: Peru, Bolivia, Colombia, Chile, Panama and the United States.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Revenue Estimate Improvements: Similarly, revenue estimates have experienced two upward revisions without any downward changes, showcasing market optimism regarding Credicorp's ability to achieve robust revenue growth in upcoming quarters, further solidifying its market position.
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- Revenue Estimate Improvements: Similarly, revenue estimates have experienced two upward revisions without any downward changes, showcasing market optimism regarding Credicorp's ability to achieve robust revenue growth in upcoming quarters, further solidifying its market position.
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See More
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- Conference Call Timing: The company will hold a conference call on February 13, 2026, at 9:30 a.m. Lima time, where executives will discuss the earnings results, enhancing communication with investors and increasing transparency and trust.
- Executive Participation: The call will be hosted by several executives, including CEO Gianfranco Ferrari, showcasing the leadership team's professionalism and commitment to investors, which may bolster market confidence in Credicorp.
- Annual Report Submission: Credicorp filed its 2024 Annual Report with the SEC on April 25, 2025, which includes audited financial statements as of December 31, 2024, ensuring compliance and enhancing the company's credibility among investors.
See More
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New Banking License: Credicorp Ltd has received a banking license to operate as Chile's first neobank.
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See More
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- Metal Price Boost: Gold prices increased by over 75%, silver by about 210%, and copper by roughly 33% in the past year, directly fueling the growth of Peru's stock market, where materials companies saw significant stock price increases.
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- Technical Analysis Tool: Comparing the latest share price to the 200-day moving average provides valuable technical insights for investors, aiding in market trend assessment and potential buying opportunities.
- ETF Trading Mechanism: Exchange-traded funds (ETFs) trade like stocks, where investors buy and sell 'units' that can be created or destroyed based on demand, impacting the liquidity and price volatility of underlying assets.
- Inflows and Outflows Monitoring: Weekly monitoring of changes in shares outstanding helps identify ETFs experiencing significant inflows or outflows, enabling investors to stay informed about market dynamics and potential investment opportunities.
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- Asset Scale: As of September 2025, Helm Bank USA had total assets of $1.141 billion and shareholders' equity of $106.8 million, and this acquisition will significantly increase Credicorp's asset base and market influence.
- Strategic Integration: Credicorp's CEO Gianfranco Ferrari stated that this acquisition will deepen their ability to serve Latin American clients in the U.S., combining Helm Bank's community banking legacy to enhance competitiveness in international markets.
- Market Outlook: Helm Bank's CEO Mark Crisp noted that Credicorp's financial strength and client-centric philosophy provide a solid foundation for collaboration, which is expected to enhance service value in both U.S. and Latin American communities.
See More
