Banco de Crédito del Perú S.A. (BVL:CREDITC1)

Peru · Delayed Price · Currency is PEN

7.20

-0.04 (-0.55%)

At close: Jul 31, 2026

Banco de Crédito del Perú Financials Overview

Financials in millions PEN. Fiscal year is January - December.

Millions PEN. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	18,194	16,854	14,651	13,079	12,479	9,740
Revenue Growth	13.32%	15.04%	12.03%	4.81%	28.12%	59.78%
Net Income	7,005	6,472	5,211	4,653	4,480	3,036
Earnings Per Share	0.54	0.50	0.40	0.36	0.35	0.23
EPS Growth	17.71%	24.19%	11.99%	3.85%	47.57%	270.30%

Revenue by Geography

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Peru	23,298	22,612	21,230	17,669	13,647
Panama	14	16	51	27	51
United States of America	157	154	166	88	46
Eliminations	-606	-409	-448	-550	-262
Total	22,863	22,373	20,999	17,234	13,482

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	53,608	53,587	52,252	40,083	38,449	46,394
Total Debt	29,186	28,081	31,190	30,815	34,904	42,736
Net Cash (Debt)	24,422	25,507	21,062	9,269	3,544	3,658
Net Cash Growth	22.29%	21.11%	127.24%	161.51%	-3.11%	-21.43%
Net Cash Per Share	1.88	1.97	1.62	0.71	0.27	0.28

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	9,366	8,172	14,836	3,209	-291.4	2,427
Capital Expenditures	-126.75	-174.58	-257.26	-264.61	-134.37	-78.69
Free Cash Flow	9,239	7,997	14,579	2,945	-425.77	2,348
Free Cash Flow Growth	-41.37%	-45.15%	395.10%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	38.51%	38.40%	35.57%	35.58%	35.91%	31.17%
FCF Margin	50.78%	47.45%	99.50%	22.52%	-3.41%	24.11%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 1, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.402	-	0.402	0.344	0.266	0.105
Dividend Per Share Growth	4.38%	-	16.90%	29.34%	152.90%	-
Dividend Yield	5.58%	-	11.69%	15.80%	15.38%	6.24%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 1, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.33	11.29	9.96	7.81	7.07	10.81
P/FCF Ratio	10.11	9.13	3.56	12.34	-	13.98
PS Ratio	5.13	4.33	3.54	2.78	2.54	3.37