Financials Banco de Crédito del Perú S.A.

Equities

CREDITC1

PEP120001008

Banks

End-of-day quote Lima 06:00:00 2024-04-28 pm EDT 5-day change 1st Jan Change
2.88 PEN +1.05% Intraday chart for Banco de Crédito del Perú S.A. -0.69% +2.86%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 51,307 55,174 42,056 32,820 31,659 36,325
Enterprise Value (EV) 1 51,391 51,601 37,400 29,162 27,309 24,334
P/E ratio 15.2 x 15.2 x 51.3 x 10.8 x 7.07 x 7.81 x
Yield 2.93% 2.36% - 4.15% 8.5% -
Capitalization / Revenue 5.53 x 5.46 x 6.93 x 3.37 x 2.54 x 2.78 x
EV / Revenue 5.54 x 5.11 x 6.16 x 2.99 x 2.19 x 1.86 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 3.01 x 2.92 x 2.23 x 1.61 x 1.43 x 1.51 x
Nbr of stocks (in thousands) 12,973,175 12,973,174 12,973,175 12,973,175 12,973,175 12,973,175
Reference price 2 3.955 4.253 3.242 2.530 2.440 2.800
Announcement Date 1/23/19 4/4/20 3/31/21 3/29/22 3/27/23 3/27/24
1PEN in Million2PEN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 9,278 10,101 6,067 9,740 12,479 13,082
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 4,704 4,982 971.9 4,196 6,171 6,194
Net income 1 3,350 3,628 819.9 3,036 4,480 4,653
Net margin 36.11% 35.91% 13.51% 31.17% 35.91% 35.57%
EPS 2 0.2603 0.2796 0.0632 0.2340 0.3454 0.3587
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.1159 0.1005 - 0.1051 0.2074 -
Announcement Date 1/23/19 4/4/20 3/31/21 3/29/22 3/27/23 3/27/24
1PEN in Million2PEN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 84.5 - - - - -
Net Cash position 1 - 3,573 4,656 3,658 4,349 11,991
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 20.7% 20.2% 4.3% 15.4% 21.1% 20.1%
ROA (Net income/ Total Assets) 2.39% 2.48% 0.47% 1.55% 2.32% 2.44%
Assets 1 140,420 146,391 173,603 195,979 193,406 190,823
Book Value Per Share 2 1.310 1.460 1.450 1.570 1.700 1.850
Cash Flow per Share 2 1.530 1.820 2.550 2.730 2.400 2.370
Capex 1 139 128 77.9 78.7 134 265
Capex / Sales 1.5% 1.26% 1.28% 0.81% 1.08% 2.02%
Announcement Date 1/23/19 4/4/20 3/31/21 3/29/22 3/27/23 3/27/24
1PEN in Million2PEN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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