Pre-earnings brief
Reports
Thu, May 14, 2026
Est. EPS
$7.26
Est. revenue
$1.8B
Implied move
±14.9%
EPS beat rate
38%
Credicorp Ltd. is a diversified financial services company operating primarily in Peru. As a major player in the banking sector, it provides a range of services including commercial banking, insurance, and asset management, making it significant in the context of economic trends and consumer spending in the region.
Last quarter
In the last quarter, Credicorp reported strong earnings, continuing its trend of profitability. However, specific guidance was not provided, leaving investors uncertain about future performance.
EPS beat streak
0Q
EPS beat rate
38%
Avg EPS surprise
+4.83%
Avg 1-day reaction
-0.05%
Analysts expect Credicorp to deliver solid earnings this quarter, with a consensus EPS of $7.26. The market is particularly focused on revenue growth and any commentary on future guidance.
Bull case
If Credicorp exceeds earnings expectations, it could signal strong operational performance and confidence in future growth, potentially driving the stock higher.
Bear case
Conversely, if the company misses earnings or provides weak guidance, it could raise concerns about its ability to sustain profitability in a challenging economic environment.
Key metrics to watch
EPS
$7.26Earnings per share is a key indicator of profitability and performance, which investors closely watch.
Revenue
$1.8BTotal revenue reflects the company's ability to generate sales and is crucial for assessing overall business health.
The print will turn on these.
Q1
Will the EPS exceed the consensus estimate of $7.26?
A beat on EPS would reinforce investor confidence in the company's profitability and operational efficiency.
Q2
What guidance will management provide regarding future revenue growth?
Future revenue guidance will be critical for assessing the company's growth trajectory and market positioning.
—
Est. EPS
$6.60
Est. Rev
$249M
Impl. Move
±4.1%
Why consensus could be wrong
The Street may be underestimating the potential for Credicorp to exceed EPS expectations due to its strong market position and diversified services.
Supporting evidence
Credicorp has consistently beaten EPS estimates in the past, indicating a strong operational track record.
The current economic environment may favor diversified financial services, providing Credicorp with growth opportunities.
Key risk
If revenue growth falls below $1.7B, it could challenge the optimistic outlook.
Pre-commit to what would confirm each case.
The market is debating whether Credicorp can maintain its earnings momentum amidst economic challenges.
Bull confirmed if
An EPS of $7.50 or higher would confirm strong operational performance.
Bear confirmed if
An EPS below $6.97 would raise significant concerns about profitability.
What the market is pricing for the move.
Implied Move
±14.86%
Historical Avg
±1.1%
The options market is pricing in a significant move, indicating that investors 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.
30d HV
54.1%
Cross-company pattern from 30 similar setups.
Prior-quarter beat + options rich in Financials
Fade rate: 15 of 30 (50%)
This setup has occurred 30 times across Financials in the last 2 years. 15 of 30 faded and 15 held — no strong directional bias after the initial reaction. The average absolute 1-day move is 5.0%, with a raw directional average of +1.5% (modestly positive historical bias).
Smart-money positioning from the most recent 13F filings.
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%
Likely market behavior by outcome. Not investment advice.
Beat & raise
If Credicorp beats expectations, history suggests the stock could rise around 1.14%, confirming strong operational strength.
In line / cautious
If results are in line with expectations, the stock may see muted movement as investors await further guidance.
Miss
A miss could lead to a decline, with historical patterns indicating an average drop of around 0.26%.
The lines on the call that would change the story.
Dodge & Cox Inc.
3,870,940 sh · $1.3B
4.10%
-21.0%
FMR, LLC
3,457,232 sh · $1.1B
3.66%
-3.0%
Massachusetts Financial Services Co.
2,866,393 sh · $927.7M
3.04%
-5.7%
Capital World Investors
2,195,404 sh · $710.5M
2.33%
34.7%
13F filings updated quarterly. Position deltas show change in shares vs. the prior quarter.