Equity Profile

BAP

Credicorp Ltd.

FinancialsDiversified Banks$30.9B

May14Thu

Pre-Earnings Brief

UpcomingQ1-2026After Close5:00 PM EDT

Company Snapshot

Credicorp Ltd. (BAP) is a major financial services company based in Peru, operating in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating profits.

$7.26

Revenue

Total revenue reflects the company's ability to grow its business and attract customers, which is vital for maintaining investor confidence.

$1.8B

Wall Street expectations, options signals, track record, and call prep available with Pro.

BAP Q1-2026 Earnings Preview

Context

Company Snapshot

Credicorp Ltd. (BAP) is a major financial services company based in Peru, operating in the diversified banking sector. With a market cap of $31 billion, it plays a crucial role in providing banking, insurance, and investment services in a growing economy, making it an important player in the financial landscape of Latin America.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

38%

Avg EPS Surprise

+4.83%

Avg Stock Reaction

-0.05%

Last Quarter Recap

In the last quarter, Credicorp reported solid earnings, continuing its trend of profitability. However, there were concerns about potential economic headwinds affecting growth.

Management Promises & Guidance

Focus on expanding digital banking services.
Commitment to improving customer service and satisfaction.
Plans to enhance risk management strategies.

Expectations

Wall Street Expectations

Analysts expect Credicorp to report strong earnings, continuing its history of beating estimates. However, there are concerns about economic conditions that could impact future performance.

Bull Case

If the company exceeds EPS and revenue expectations, it could signal strong operational efficiency and growth potential, leading to a positive market reaction.

Bear Case

If the earnings report reveals declining revenue or increased loan defaults, it could raise red flags about the company's stability and lead to a negative market response.

Key Metrics to Watch

EPS

$7.26

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating profits.

Revenue

$1.8B

Total revenue reflects the company's ability to grow its business and attract customers, which is vital for maintaining investor confidence.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be compared to the consensus of $7.26?

Earnings per share is a critical measure of profitability, and any significant deviation could impact investor sentiment.

How does management view the current economic environment and its impact on revenue?

Understanding management's perspective on economic challenges will help investors gauge future performance and risk.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the impact of Credicorp's digital banking initiatives, which could drive higher revenue growth than expected.

Supporting Evidence

Credicorp has been investing heavily in digital transformation, which could enhance customer acquisition.

The options market indicates a high level of expected volatility, suggesting that traders anticipate significant news.

Historical performance shows that the company has consistently beaten EPS estimates, indicating potential for upside.

Key Risk

If the digital banking initiatives show significant traction, it could lead to higher-than-expected revenue growth.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is crucial as it will reflect how well Credicorp is navigating economic challenges while maintaining profitability.

Bull Confirmed If

An EPS above $7.53 would confirm strong operational performance and growth prospects.

Bear Confirmed If

An EPS below $6.97 would raise concerns about profitability and operational efficiency.

Pre-Earnings Positioning

Options Market

Implied Move

±14.86%

Historical Avg

±1.1%

Pricing rich

The options market is pricing in a significant move, indicating that traders expect volatility around the earnings announcement.

Options are pricing ±14.9% while BAP has averaged ±1.1% over the last 8 prints — setup is pricing rich.

Detail

30d HV

54.1%

Calls (800)P/C Ratio: 0.23Puts (0)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Top holders trimming

Institutional

80.97%

of float

Insider

14.62%

of float

Holders

680

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
4,048,826 sh · $1.3B
4.29%
2.5%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Credicorp beats expectations, history suggests a potential stock increase of around 1.14%, confirming strong operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously as investors await further guidance on future growth.

Miss

A miss could lead to a decline in stock price, with historical patterns indicating a potential drop of around 0.26%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on digital banking growth and customer acquisition metrics.
2Management's outlook on the economic environment and its impact on lending.
3Any changes in risk management strategies in response to market conditions.
4Insights into operational efficiencies and cost management efforts.
5Future guidance on revenue and earnings expectations.

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Company Snapshot

Credicorp Ltd. (BAP) is a major financial services company based in Peru, operating in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating profits.

$7.26

Revenue

Total revenue reflects the company's ability to grow its business and attract customers, which is vital for maintaining investor confidence.

$1.8B

Wall Street expectations, options signals, track record, and call prep available with Pro.

BAP Q1-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

38%

Avg EPS Surprise

+4.83%

Avg Stock Reaction

-0.05%

Last Quarter Recap

In the last quarter, Credicorp reported solid earnings, continuing its trend of profitability. However, there were concerns about potential economic headwinds affecting growth.

Management Promises & Guidance

Focus on expanding digital banking services.
Commitment to improving customer service and satisfaction.
Plans to enhance risk management strategies.

Expectations

Wall Street Expectations

Analysts expect Credicorp to report strong earnings, continuing its history of beating estimates. However, there are concerns about economic conditions that could impact future performance.

Bull Case

If the company exceeds EPS and revenue expectations, it could signal strong operational efficiency and growth potential, leading to a positive market reaction.

Bear Case

If the earnings report reveals declining revenue or increased loan defaults, it could raise red flags about the company's stability and lead to a negative market response.

Key Metrics to Watch

EPS

$7.26

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating profits.

Revenue

$1.8B

Total revenue reflects the company's ability to grow its business and attract customers, which is vital for maintaining investor confidence.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be compared to the consensus of $7.26?

Earnings per share is a critical measure of profitability, and any significant deviation could impact investor sentiment.

How does management view the current economic environment and its impact on revenue?

Understanding management's perspective on economic challenges will help investors gauge future performance and risk.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the impact of Credicorp's digital banking initiatives, which could drive higher revenue growth than expected.

Supporting Evidence

Credicorp has been investing heavily in digital transformation, which could enhance customer acquisition.

The options market indicates a high level of expected volatility, suggesting that traders anticipate significant news.

Historical performance shows that the company has consistently beaten EPS estimates, indicating potential for upside.

Key Risk

If the digital banking initiatives show significant traction, it could lead to higher-than-expected revenue growth.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is crucial as it will reflect how well Credicorp is navigating economic challenges while maintaining profitability.

Bull Confirmed If

An EPS above $7.53 would confirm strong operational performance and growth prospects.

Bear Confirmed If

An EPS below $6.97 would raise concerns about profitability and operational efficiency.

Pre-Earnings Positioning

Options Market

Implied Move

±14.86%

Historical Avg

±1.1%

Pricing rich

The options market is pricing in a significant move, indicating that traders expect volatility around the earnings announcement.

Options are pricing ±14.9% while BAP has averaged ±1.1% over the last 8 prints — setup is pricing rich.

Detail

30d HV

54.1%

Calls (800)P/C Ratio: 0.23Puts (0)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Top holders trimming

Institutional

80.97%

of float

Insider

14.62%

of float

Holders

680

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
4,048,826 sh · $1.3B
4.29%
2.5%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Credicorp beats expectations, history suggests a potential stock increase of around 1.14%, confirming strong operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously as investors await further guidance on future growth.

Miss

A miss could lead to a decline in stock price, with historical patterns indicating a potential drop of around 0.26%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on digital banking growth and customer acquisition metrics.
2Management's outlook on the economic environment and its impact on lending.
3Any changes in risk management strategies in response to market conditions.
4Insights into operational efficiencies and cost management efforts.
5Future guidance on revenue and earnings expectations.