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Market Price

128.15 

-0.30 -0.2%

as of Aug 10 '20

52 Week Range:

118.00 220.25


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Credicorp Ltd., a financial services holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. It operates through Universal Banking, Insurance and Pensions, Microfinance, and Investment Banking and Wealth Management segments. The company offers deposits and current accounts, and various credits and financial instruments to individuals and legal entities. It also issues insurance policies to cover losses in commercial property, transportation, marine vessels, automobile, life, health, and pensions, as well as provides private pension fund management services. In addition, the company offers microfinance, including the management of loans, credits, deposits, and current accounts of the small and microenterprises. Further, it provides investment brokerage and management services to corporations, institutional investors, governments, and foundations; and engages in structuring and placement of issues in the primary market, as well as the execution and negotiation of operations in the secondary market. Additionally, it structures securitization processes for corporate customers and manages mutual funds, as well as investment advisory and financial planning services. The company was founded in 1889 and is based in Hamilton, Bermuda.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 29.13
36.17
40.14
52.50
50.95
55.17
54.63
70.35
83.53
85.96
96.27
growth rate 24.2% 11.0% 30.8% -3.0% 8.3% -1.0% 28.8% 18.7% 2.9% 12.0%
Earnings BIT 635.93
761.03
854.85
893.08
851.38
1,817.05
2,019.00
2,328.21
2,633.58
growth rate 19.7% 12.3% 4.5% -4.7% 113.4% 11.1% 15.3% 13.1%
Avg.PE 12.17
16.58
12.58
14.45
18.66
16.82
11.02
13.30
20.16
20.66
17.73
growth rate 36.2% -24.1% 14.9% 29.1% -9.9% -34.5% 20.7% 51.6% 2.5% -14.2%
ROA 2.26
2.25
2.35
2.20
1.45
1.90
2.13
2.25
2.50
2.29
2.34
growth rate -0.4% 4.4% -6.4% -34.1% 31.0% 12.1% 5.6% 11.1% -8.4% 2.2%
ROE 24.34
21.88
22.19
20.77
14.11
18.33
20.54
19.64
19.76
17.47
17.03
growth rate -10.1% 1.4% -6.4% -32.1% 29.9% 12.1% -4.4% 0.6% -11.6% -2.5%
ROIC 26.51
18.56
16.51
16.72
12.35
14.01
growth rate -30.0% -11.1% 1.3% -26.1% 13.4%
Leverage 9.51
9.89
9.05
9.79
9.64
9.65
9.64
7.96
7.84
7.44
7.16
growth rate 4.0% -8.5% 8.2% -1.5% 0.1% -0.1% -17.4% -1.5% -5.1% -3.8%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 387.14
1,652.43
480.55
2,523.62
2,957.62
2,383.20
3,143.41
3,729.61
3,391.76
growth rate 326.8% -70.9% 425.2% 17.2% -19.4% 31.9% 18.7% -9.1%
Acct.Payable 2,135.39
2,754.80
2,647.94
78,160.70
89,656.96
87,095.92
98,592.83
105,524.18
113,306.07
growth rate 29.0% -3.9% 2,851.8% 14.7% -2.9% 13.2% 7.0% 7.4%
Cur.Assets 34,239.00
38,682.92
46,161.22
41,570.09
49,036.08
62,252.05
67,009.73
growth rate 13.0% 19.3% -10.0% 18.0% 27.0% 7.6%
Total Assets 22,199.45
28,252.97
30,714.40
40,797.10
40,820.80
134,834.37
155,480.22
156,435.22
170,472.28
177,263.20
187,876.69
growth rate 27.3% 8.7% 32.8% 0.1% 230.3% 15.3% 0.6% 9.0% 4.0% 6.0%
Cash 2,922.65
8,502.84
11,270.87
2,346.20
201.10
4,109.56
5,971.87
4,849.17
7,018.34
4,800.59
8,114.47
growth rate 190.9% 32.6% -79.2% -91.4% 1,943.5% 45.3% -18.8% 44.7% -31.6% 69.0%
Inventory 25.00
37.95
24.67
73.47
95.01
133.11
143.35
growth rate 51.8% -35.0% 197.8% 29.3% 40.1% 7.7%
Cur.Liabilities 81,660.00
96,938.53
118,875.08
96,566.35
109,511.80
122,466.44
131,858.13
growth rate 18.7% 22.6% -18.8% 13.4% 11.8% 7.7%
Liabilities 19,863.03
25,393.18
27,318.60
36,629.20
36,587.70
120,208.35
138,752.65
136,318.71
148,218.58
152,997.13
161,130.38
growth rate 27.8% 7.6% 34.1% -0.1% 228.6% 15.4% -1.8% 8.7% 3.2% 5.3%
LT Debt 698.13
698.48
698.82
4,783.40
5,124.40
18,733.15
18,128.79
31,903.15
30,148.57
20,745.59
17,482.62
growth rate 0.1% 0.1% 584.5% 7.1% 265.6% -3.2% 76.0% -5.5% -31.2% -15.7%
Equity 2,336.42
2,859.75
3,395.80
4,168.00
4,233.10
13,979.46
16,128.02
19,656.14
21,756.57
23,839.24
26,237.96
growth rate 22.4% 18.7% 22.7% 1.6% 230.2% 15.4% 21.9% 10.7% 9.6% 10.1%
Common Shares 80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 42.67
79.54
100.82
162.22
192.27
301.73
148.43
110.15
143.85
181.46
132.52
growth rate 86.4% 26.8% 60.9% 18.5% 56.9% -50.8% -25.8% 30.6% 26.1% -27.0%
Cash Dividends 120.30
134.93
155.54
183.45
191.39
429.41
539.99
653.33
979.99
1,130.43
1,595.23
growth rate 12.2% 15.3% 18.0% 4.3% 124.4% 25.8% 21.0% 50.0% 15.4% 41.1%
Cash From OA -495.44
3,176.18
-1,705.53
3,585.16
1,152.02
-8,595.03
-7,420.85
614.05
-3,271.89
-5,834.90
-523.68
growth rate 100.0% -100.0% 100.0% -67.9% -100.0% 0.0% 100.0% -100.0% 0.0% 0.0%
FCF per Share -6.70
39.54
41.16
42.17
38.47
5.29
-8.56
-6.82
-6.99
33.09
-2.68
growth rate 100.0% 4.1% 2.5% -8.8% -86.3% -100.0% 0.0% 0.0% 100.0% -100.0%
Sale Purchase of Stock -17.49
-18.57
-23.97
-15.33
-21.39
-19.84
-21.91
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF -1,549.00
9,021.00
-4,751.00
8,753.00
1,290.00
-2,374.00
-1,854.00
-1,843.00
8,886.00
-723.00
6,427.00
growth rate 100.0% -100.0% 100.0% -85.3% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 2,054.87
2,331.03
2,873.06
3,670.32
3,969.17
9,280.58
10,247.96
11,005.70
11,463.07
11,839.62
12,641.87
growth rate 13.4% 23.3% 27.8% 8.1% 133.8% 10.4% 7.4% 4.2% 3.3% 6.8%
Op.Income 636.03
762.55
685.91
733.15
667.56
3,381.05
4,481.21
4,980.24
5,603.96
5,672.64
6,002.68
growth rate 19.9% -10.1% 6.9% -9.0% 406.5% 32.5% 11.1% 12.5% 1.2% 5.8%
IBT 642.94
790.40
896.42
984.73
944.74
3,389.47
4,360.59
4,891.43
5,574.93
5,592.21
5,975.41
growth rate 22.9% 13.4% 9.9% -4.1% 258.8% 28.7% 12.2% 14.0% 0.3% 6.9%
Net Income 473.75
568.51
685.91
808.20
567.10
2,387.85
3,092.30
3,514.58
4,091.75
3,983.87
4,265.30
growth rate 20.0% 20.7% 17.8% -29.8% 321.1% 29.5% 13.7% 16.4% -2.6% 7.1%
EPS 17.12
20.53
23.41
26.11
19.31
29.97
38.84
44.15
51.35
49.99
53.53
growth rate 19.9% 14.0% 11.5% -26.0% 55.2% 29.6% 13.7% 16.3% -2.7% 7.1%
Gross Profit 7,435.00
8,951.56
9,860.73
10,582.48
11,191.99
11,537.73
12,323.15
growth rate 20.4% 10.2% 7.3% 5.8% 3.1% 6.8%

Quarterly Statements

Item Name Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Balance Sheet
Acct.Receivable 3,729.61
7,670.08
7,783.15
8,291.11
3,391.76
growth rate 105.7% 1.5% 6.5% -59.1%
Acct.Payable 105,524.18
104,735.81
104,373.91
109,557.23
113,306.07
growth rate -0.8% -0.4% 5.0% 3.4%
Cur.Assets 62,339.41
37,683.17
40,678.94
43,206.54
67,009.73
growth rate -39.6% 8.0% 6.2% 55.1%
Total Assets 177,263.20
178,229.03
181,165.05
186,304.27
187,876.69
growth rate 0.5% 1.7% 2.8% 0.8%
Cash 4,800.59
22,112.12
23,829.68
26,359.99
8,114.47
growth rate 360.6% 7.8% 10.6% -69.2%
Inventory 133.11
111.05
113.00
107.05
143.35
growth rate -16.6% 1.8% -5.3% 33.9%
Cur.Liabilities 122,521.30
129,287.73
130,686.52
133,824.52
131,858.13
growth rate 5.5% 1.1% 2.4% -1.5%
Liabilities 152,997.13
154,121.04
155,498.87
159,844.13
161,130.38
growth rate 0.7% 0.9% 2.8% 0.8%
LT Debt 20,690.73
16,440.74
16,372.96
17,478.38
17,482.62
growth rate -20.5% -0.4% 6.8% 0.0%
Equity 23,839.24
23,692.09
25,221.89
26,000.64
26,237.96
growth rate -0.6% 6.5% 3.1% 0.9%
Common Shares 1,318.99
1,318.99
1,318.99
1,318.99
1,318.99
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Capital Expenditures 71.87
32.44
11.54
48.07
40.46
growth rate -54.9% -64.4% 316.6% -15.8%
Cash Dividends 26.30
1,595.23
1,595.23
755.06
growth rate 5,965.7% 0.0% -52.7%
Cash From OA -8,068.43
2,270.21
2,827.61
190.28
-5,811.78
growth rate 100.0% 24.6% -93.3% -100.0%
FCF -8,140.31
2,237.77
2,816.07
142.21
-5,852.24
growth rate 100.0% 25.8% -95.0% -100.0%
Income Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Sales 3,823.99
3,009.96
3,019.89
3,076.33
3,535.69
growth rate -21.3% 0.3% 1.9% 14.9%
Op.Income 1,435.61
1,547.24
1,535.74
1,519.35
1,400.35
growth rate 7.8% -0.7% -1.1% -7.8%
IBT 1,361.51
1,547.24
1,535.74
1,519.35
1,373.08
growth rate 13.6% -0.7% -1.1% -9.6%
Net Income 956.93
1,100.87
1,098.57
1,093.03
972.83
growth rate 15.0% -0.2% -0.5% -11.0%
EPS
growth rate
Gross Profit 3,381.19
2,839.65
3,019.89
3,076.33
3,485.93
growth rate -16.0% 6.4% 1.9% 13.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (62.83)

YOY Growth Grade:

C (56.06)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.14 11.14 9.77
EPS / Growth 11.3% 11.51 6.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 20.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.4% 12.8% 12.8%
Future PE 9.77 15.49 15.49
Future EPS 21.41 38.27 38.27
Value Price
MOS %
51.74
-59.6%
146.47
14.3%
146.47
14.3%
MOS Price 25.87 73.24 73.24
IRT 8.26 6.78 6.78

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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