Credicorp Ltd. (BAP) — Financial statements
Income statement, balance sheet, and cash flow for Credicorp Ltd. — annual and quarterly history with growth and margin analysis.
| Metric (PEN Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 28,916↑7.1% | 26,996↑6.4% | 25,373↑23.0% | 20,625↑7.3% | 19,219 | |
| Cost of Revenue | 7,603↓21.3% | 9,665↑0.1% | 9,655↑64.6% | 5,867↑52.1% | 3,857 | |
| Gross Profit | 21,313↑23.0% | 17,332↑10.3% | 15,718↑6.5% | 14,758↓3.9% | 15,362 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 8,197↑13.6% | 7,214↑8.0% | 6,678↑12.0% | 5,964↓23.5% | 7,795 | |
| Selling & Marketing Expenses | 514↓33.3% | 771↑7.0% | 721↑10.4% | 653↑34.0% | 487 | |
| SG&A Expenses | 8,711↑9.1% | 7,985↑7.9% | 7,399↑11.8% | 6,617↓20.1% | 8,282 | |
| Other Expenses | 2,655↑74.4% | 1,522↑3.5% | 1,471↑15.7% | 1,271↓27.3% | 1,747 | |
| Operating Expenses | 11,366↑19.5% | 9,507↑7.2% | 8,869↑12.4% | 7,888↓21.4% | 10,029 | |
| Total Costs & Expenses | 18,969↓1.1% | 19,172↑3.5% | 18,525↑34.7% | 13,755↓0.9% | 13,886 | |
| Operating Results | ||||||
| Operating Income | 9,948↑27.1% | 7,825↑14.3% | 6,848↓0.3% | 6,871↑28.8% | 5,333 | |
| Depreciation & Amortization | 902↑24.8% | 723↑8.3% | 667↑3.7% | 644↓6.8% | 691 | |
| EBITDA | 10,849↑26.9% | 8,547↑13.7% | 7,515↑0.0% | 7,514↑24.8% | 6,023 | |
| EBIT | 9,948↑27.1% | 7,825↑14.3% | 6,848↓0.3% | 6,871↑28.8% | 5,333 | |
| Interest & Other Income | ||||||
| Net Interest Income | 13,872↓1.4% | 14,066↑9.1% | 12,892↑16.5% | 11,062↑18.7% | 9,319 | |
| Interest Income | 18,787↓5.2% | 19,820↑5.7% | 18,752↑25.2% | 14,982↑26.9% | 11,810 | |
| Interest Expense | 4,915↓14.6% | 5,754↓1.8% | 5,861↑49.5% | 3,920↑57.5% | 2,488 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 9,948↑27.1% | 7,825↑14.3% | 6,848↓0.3% | 6,871↑28.8% | 5,333 | |
| Income Tax Expense | 2,865↑30.1% | 2,201↑16.6% | 1,888↓10.5% | 2,111↑27.1% | 1,661 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 7,083↑26.0% | 5,623↑13.4% | 4,960↑4.2% | 4,760↑29.6% | 3,672 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 6,925↑25.9% | 5,501↑13.1% | 4,866↑4.7% | 4,648↑29.7% | 3,585 | |
| Bottom-Line Net Income | 6,925↑25.9% | 5,501↑13.1% | 4,866↑4.7% | 4,648↑29.7% | 3,585 | |
| EPS (Basic) | 87.25↑26.3% | 69.09↑13.1% | 61.08↑4.8% | 58.26↑29.2% | 45.09 | |
| EPS (Diluted) | 86.80↑25.6% | 69.09↑13.1% | 61.08↑5.1% | 58.13↑29.2% | 44.99 | |
| Weighted Average Shares | 80↑0.2% | 80↑0.2% | 79↓0.1% | 80↑0.0% | 79 | |
| Weighted Average Diluted Shares | 80↑0.2% | 80↓0.0% | 80↑0.2% | 80↓0.2% | 80 | |
* All figures in Millions of PEN, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.