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 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 the company's profitability and financial health.

$7.26

Revenue

Total revenue gives insight into the company's overall sales performance and market demand.

$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 major financial services company based in Peru, operating in the diversified banking sector. With a market cap of $30 billion, it plays a critical 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 was no specific management guidance provided for future performance.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are generally optimistic about Credicorp's upcoming earnings, expecting strong EPS and revenue figures. The consensus suggests that the company will continue to perform well in a recovering economy.

Bull Case

If Credicorp exceeds the EPS estimate of $7.26, it could indicate robust demand for its financial services and potentially lead to a positive stock reaction.

Bear Case

Conversely, if the company falls short of expectations, particularly in revenue, it may raise concerns about its growth trajectory and affect investor confidence.

Key Metrics to Watch

EPS

$7.26

Earnings per share is a key indicator of the company's profitability and financial health.

Revenue

$1.8B

Total revenue gives insight into the company's overall sales performance and market demand.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $7.26?

A strong EPS performance could reinforce investor confidence and lead to a positive stock reaction.

What is the revenue outlook compared to the consensus of $1.8B?

Revenue performance is critical in assessing the company's growth and market demand, which can significantly impact stock prices.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the impact of recent economic recovery on Credicorp's performance, particularly in loan growth and fee income.

Supporting Evidence

Credicorp has consistently beaten EPS estimates in the past, suggesting strong operational management.

The options market indicates a significant expected move, which may reflect higher investor confidence than consensus suggests.

Key Risk

If revenue growth comes in below $1.7B, it could challenge the optimistic outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is closely watching these earnings as they will indicate how well Credicorp is navigating the current economic landscape.

Bull Confirmed If

An EPS of $7.50 or higher would confirm strong financial health and growth potential.

Bear Confirmed If

An EPS below $7.00 could signal underlying issues in 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, suggesting that investors are anticipating 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

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

This setup has occurred 30 times across Financials in the last 2 years. 12 of 25 faded and 13 held — no strong directional bias after the initial reaction. The average absolute 1-day move is 2.4%, with a raw directional average of -0.0% (roughly flat historical bias).

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 see a positive reaction, potentially around a 1% move upwards.

In-Line / Cautious

An in-line report may lead to muted reactions, as investors await further commentary from management.

Miss

If the company misses expectations, historical patterns indicate a potential decline, with past misses averaging around a -0.26% move.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth and demand for financial services.
2Management's commentary on economic conditions in Peru and their impact on business.
3Insights into cost management and efficiency improvements.
4Details on any new products or services that may drive future revenue.
5Updates on regulatory changes and their potential impact on operations.

See the full picture

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

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Company Snapshot

Credicorp Ltd. 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 the company's profitability and financial health.

$7.26

Revenue

Total revenue gives insight into the company's overall sales performance and market demand.

$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 was no specific management guidance provided for future performance.

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If Credicorp exceeds the EPS estimate of $7.26, it could indicate robust demand for its financial services and potentially lead to a positive stock reaction.

Bear Case

Conversely, if the company falls short of expectations, particularly in revenue, it may raise concerns about its growth trajectory and affect investor confidence.

Key Metrics to Watch

EPS

$7.26

Earnings per share is a key indicator of the company's profitability and financial health.

Revenue

$1.8B

Total revenue gives insight into the company's overall sales performance and market demand.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $7.26?

A strong EPS performance could reinforce investor confidence and lead to a positive stock reaction.

What is the revenue outlook compared to the consensus of $1.8B?

Revenue performance is critical in assessing the company's growth and market demand, which can significantly impact stock prices.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the impact of recent economic recovery on Credicorp's performance, particularly in loan growth and fee income.

Supporting Evidence

Credicorp has consistently beaten EPS estimates in the past, suggesting strong operational management.

The options market indicates a significant expected move, which may reflect higher investor confidence than consensus suggests.

Key Risk

If revenue growth comes in below $1.7B, it could challenge the optimistic outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is closely watching these earnings as they will indicate how well Credicorp is navigating the current economic landscape.

Bull Confirmed If

An EPS of $7.50 or higher would confirm strong financial health and growth potential.

Bear Confirmed If

An EPS below $7.00 could signal underlying issues in 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, suggesting that investors are anticipating 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

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

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 see a positive reaction, potentially around a 1% move upwards.

In-Line / Cautious

An in-line report may lead to muted reactions, as investors await further commentary from management.

Miss

If the company misses expectations, historical patterns indicate a potential decline, with past misses averaging around a -0.26% move.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth and demand for financial services.
2Management's commentary on economic conditions in Peru and their impact on business.
3Insights into cost management and efficiency improvements.
4Details on any new products or services that may drive future revenue.
5Updates on regulatory changes and their potential impact on operations.