Equity Profile

BAP

Credicorp Ltd.

FinancialsDiversified Banks$29.8B

May14Thu

Pre-Earnings Brief

UpcomingQ1-2026After Close5:00 PM EDT

Company Snapshot

Credicorp Ltd. is a leading financial services company in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and financial health, reflecting how much profit is allocated to each share of stock.

$7.26

Revenue

Total revenue indicates the company's ability to generate income from its core operations, essential for assessing growth.

$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. is a leading financial services company in the diversified banking sector. With a market cap of $30 billion, it plays a crucial role in providing banking, insurance, and investment services, particularly in Peru and other Latin American markets. As consumer spending and economic conditions fluctuate, its performance is closely watched by investors.

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 strong earnings, continuing its trend of profitability. However, there were concerns about economic conditions impacting future growth.

Management Promises & Guidance

Management committed to maintaining strong risk management practices.
They emphasized their focus on expanding digital banking services.
Plans to enhance customer experience through technology investments were outlined.

Expectations

Wall Street Expectations

Analysts expect Credicorp to report solid earnings this quarter, with a consensus EPS of $7.26. However, there are mixed feelings about potential revenue growth due to economic pressures.

Bull Case

If Credicorp exceeds EPS expectations and shows strong revenue growth, it could signal robust demand for its services and lead to a positive market reaction.

Bear Case

Conversely, if the company misses EPS estimates or reports weaker revenue, it may raise concerns about its ability to navigate economic challenges, leading to a negative reaction.

Key Metrics to Watch

EPS

$7.26

Earnings per share is a key indicator of profitability and financial health, reflecting how much profit is allocated to each share of stock.

Revenue

$1.8B

Total revenue indicates the company's ability to generate income from its core operations, essential for assessing growth.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $7.26?

A beat on EPS could indicate strong operational performance and instill confidence in investors, potentially driving the stock price up.

What is the outlook for revenue growth amidst economic challenges?

Understanding management's perspective on revenue growth will help gauge the company's ability to adapt to market conditions and sustain profitability.

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 customer engagement and revenue growth.

Supporting Evidence

Management's focus on technology investments could enhance service delivery and attract new customers.

The strong historical EPS performance suggests that the company has consistently outperformed expectations.

Options pricing indicates a higher expected move, reflecting market uncertainty that may not be fully captured in consensus estimates.

Key Risk

If the company reports strong revenue growth driven by digital banking, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance hinges on how well Credicorp can navigate economic pressures while delivering solid earnings.

Bull Confirmed If

An EPS of $7.50 or higher would confirm the bull case, indicating strong earnings performance.

Bear Confirmed If

An EPS below $7.00 would support the bear case, raising concerns about profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±14.86%

Historical Avg

±1.1%

Pricing rich

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

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 the stock could rise, confirming strong demand and operational efficiency.

In-Line / Cautious

A cautious inline report may lead to muted reactions as investors await further clarity on future growth.

Miss

If the company misses expectations, history suggests a potential decline in stock price, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on digital banking growth and customer acquisition rates.
2Management's commentary on economic conditions and their impact on lending.
3Details on cost management strategies and efficiency improvements.
4Insights into the competitive landscape and how Credicorp plans to differentiate itself.
5Any changes in guidance or outlook for the upcoming quarters.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

No charge today · Auto-bills $8/mo after 7 days · Cancel anytime

More Earnings This Week

5 Reports

Danaos Corporation

Company Snapshot

Credicorp Ltd. is a leading financial services company in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and financial health, reflecting how much profit is allocated to each share of stock.

$7.26

Revenue

Total revenue indicates the company's ability to generate income from its core operations, essential for assessing growth.

$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 strong earnings, continuing its trend of profitability. However, there were concerns about economic conditions impacting future growth.

Management Promises & Guidance

Management committed to maintaining strong risk management practices.
They emphasized their focus on expanding digital banking services.
Plans to enhance customer experience through technology investments were outlined.

Expectations

Wall Street Expectations

Analysts expect Credicorp to report solid earnings this quarter, with a consensus EPS of $7.26. However, there are mixed feelings about potential revenue growth due to economic pressures.

Bull Case

If Credicorp exceeds EPS expectations and shows strong revenue growth, it could signal robust demand for its services and lead to a positive market reaction.

Bear Case

Conversely, if the company misses EPS estimates or reports weaker revenue, it may raise concerns about its ability to navigate economic challenges, leading to a negative reaction.

Key Metrics to Watch

EPS

$7.26

Earnings per share is a key indicator of profitability and financial health, reflecting how much profit is allocated to each share of stock.

Revenue

$1.8B

Total revenue indicates the company's ability to generate income from its core operations, essential for assessing growth.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $7.26?

A beat on EPS could indicate strong operational performance and instill confidence in investors, potentially driving the stock price up.

What is the outlook for revenue growth amidst economic challenges?

Understanding management's perspective on revenue growth will help gauge the company's ability to adapt to market conditions and sustain profitability.

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 customer engagement and revenue growth.

Supporting Evidence

Management's focus on technology investments could enhance service delivery and attract new customers.

The strong historical EPS performance suggests that the company has consistently outperformed expectations.

Options pricing indicates a higher expected move, reflecting market uncertainty that may not be fully captured in consensus estimates.

Key Risk

If the company reports strong revenue growth driven by digital banking, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance hinges on how well Credicorp can navigate economic pressures while delivering solid earnings.

Bull Confirmed If

An EPS of $7.50 or higher would confirm the bull case, indicating strong earnings performance.

Bear Confirmed If

An EPS below $7.00 would support the bear case, raising concerns about profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±14.86%

Historical Avg

±1.1%

Pricing rich

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

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 the stock could rise, confirming strong demand and operational efficiency.

In-Line / Cautious

A cautious inline report may lead to muted reactions as investors await further clarity on future growth.

Miss

If the company misses expectations, history suggests a potential decline in stock price, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on digital banking growth and customer acquisition rates.
2Management's commentary on economic conditions and their impact on lending.
3Details on cost management strategies and efficiency improvements.
4Insights into the competitive landscape and how Credicorp plans to differentiate itself.
5Any changes in guidance or outlook for the upcoming quarters.