OakChart

Credicorp Ltd

BAPFinancial·Banks - Regional·Peru·Large·NYSE·Nov 11 • 12:48 PM ET

366.45-1.35 (-0.37%)
2026-11-11 18:48 CET
Market cap
29,210.31 USD m
Revenue, TTM
- USD m
Net income, TTM
2,226.03 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
-
P/E
13.56
Compare

Price

BAP against its 20, 50 and 200-day averages
2050200beatearnings
300.00350.00400.00789K1.6MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26BAPclose 366.4620-day 367.1950-day 375.66200-day 359.88366.4652w high

11.3% under the 52-week high of 413.25 on 31 Jul 2026. 52-week low 230.45 on 14 Nov 2025. Last 15 sessions, 15.8% high to low

Profile

BAP
52-week range, 74% of the way up
230.45413.24

Credicorp Ltd. operates as a holding company, which engages in the provision of financial services. It operates through the following segments: Universal Banking; Microfinance; Insurance and Pensions; and Investment Banking and Wealth Management. The Universal Banking segment focuses on lending and investment services. The Microfinance segment consists of subsidiaries offering commercial banking activities and specialized financial services to support small and micro business clients. The Insurance and Pensions segment offers insurance products for property and casualty, life insurance business, and corporate health insurance and medical services. The Investment Banking and Wealth Management segment comprises of asset management, capital markets, corporate finance, and wealth management business units. The company was founded on August 17, 1995 and is headquartered in Lima, Peru.

Employees51005
IPOOct 25, 1995
Beta0.81
ATR, 14d13.19
Rel volume1.13
Short float2.13%
Insider own29.38%
Inst own73.75%

Snapshot

6 groups

Valuation

Index-
Market Cap29.10B
Enterprise Value-
Income2.23B
Sales9.56B
Book/sh145.57
Cash/sh-
Dividend Est.15.16 (4.14%)
Dividend TTM14.48 (3.95%)
Dividend Ex-DateMay 18, 2026
Dividend Gr. 3/5Y29.16% 64.28%
Payout59.19%
Employees51005
IPOOct 25, 1995

Ratios

P/E13.56
Forward P/E11.02
PEG0.75
P/S3.04
P/B2.52
P/C-
P/FCF22.72
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.30
Debt/Eq0.82
LT Debt/Eq0.70
Option/ShortYes / Yes

Earnings

EPS (ttm)27.03
EPS next Y33.26
EPS next Q6.91
EPS this Y14.84%
EPS next Y13.70%
EPS next 5Y14.65%
EPS past 3/5Y17.09% 81.27%
Sales past 3/5Y12.94% 8.79%
EPS Y/Y TTM27.55%
Sales Y/Y TTM22.79%
EPS Q/Q16.03%
Sales Q/Q14.09%
EarningsNov 09 AMC
EPS/Sales Surpr.-2.20% 0.55%

Ownership

Insider Own29.38%
Insider Trans-0.02%
Inst Own73.75%
Inst Trans-1.19%
ROA2.83%
ROE20.14%
ROIC11.33%
Gross Margin-
Oper. Margin33.69%
Profit Margin23.28%
SMA20-0.20%
SMA50-2.45%
SMA2001.83%
Trades-

Technical

Shs Outstand79.42M
Shs Float56.09M
Short Float2.13%
Short Ratio3.64
Short Interest1.20M
52W High413.24 -11.32%
52W Low230.45 59.02%
Volatility5.63% 3.63%
ATR (14)13.19
RSI (14)49.50
Beta0.81
Rel Volume1.13
Avg Volume329.20K
Volume197,205

Performance

Perf Week2.02%
Perf Month-3.74%
Perf Quarter-2.32%
Perf Half Y15.35%
Perf YTD27.68%
Perf Year41.95%
Perf 3Y204.02%
Perf 5Y191.91%
Perf 10Y142.99%
Recom1.46
Target Price446.86
Prev Close367.80
Price366.45
Change %-0.37%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jun 17, 2026UpgradeMMorgan StanleyEqual-Weight → Overweight$480+31.0%
Jun 15, 2026DowngradeJJP MorganOverweight → Neutral$415+13.2%
May 19, 2026UpgradeHHSBC SecuritiesHold → Buy$350-4.5%
Sep 05, 2025DowngradeHHSBC SecuritiesBuy → Hold$255-30.4%
Dec 16, 2024DowngradeBBofA SecuritiesBuy → Neutral
Dec 15, 2023UpgradeJJP MorganNeutral → Overweight$162 → $190-48.2%
Oct 16, 2023InitiatedJJefferiesBuy$161.20-56.0%
Jul 07, 2023UpgradeBScotiabankSector Perform → Sector Outperform$207-43.5%
Jan 03, 2023UpgradeIItau BBAMarket Perform → Outperform$156-57.4%
Dec 14, 2022ResumedCCredit SuisseOutperform$142-61.3%

Peers

Mkt cap
TickerCompanyMkt cap
IFSIntercorp Financial Services Inc5.78B
BCHBanco de Chile ADR19.92B
BSACBanco Santander Chile SA ADR15.30B
CIBGrupo Cibest SA ADR10.04B
ITUBItau Unibanco Holding SA ADR40.61B
BBDBanco Bradesco SA ADR14.42B
NUNu Holdings Ltd58.57B
AVALGrupo Aval Acciones y Valores SA ADR1.62B
BBVABanco Bilbao Vizcaya Argentaria SA ADR142.53B
GGALGrupo Financiero Galicia ADR3.96B

Insider trading

2 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Cavero Diego AntonioCEO Head Universal BankingJun 05 '26Sale319.003,5001,116,5007,307Jun 09 02:29 PM
Perez-Reyes AlejandroCFOMay 21 '26Sale337.501,073362,1381,745May 26 09:52 AM

Held by

AUM
TickerCompanyAUM
IEMGiShares Core MSCI Emerging Markets ETFAUM: 144.94B
ILFiShares Latin America 40 ETFAUM: 3.38B
EPUiShares MSCI Peru and Global Exposure ETFAUM: 502.77M
VYMVanguard High Dividend Yield Indx ETFAUM: 83.15B
EMXCIShares MSCI Emerging Markets ex China ETFAUM: 24.96B
EEMiShares MSCI Emerging Markets ETFAUM: 28.05B
AVEMAvantis Emerging Markets Equity ETFAUM: 26.77B
IXUSiShares Core MSCI Total International Stock ETFAUM: 57.59B
EEMViShares MSCI Emerging Markets Min Vol Factor ETFAUM: 3.39B
VTVanguard Total World Stock ETFAUM: 83.17B

News

latest 14 of 103
  • Lenders in Europe and Latin America Report Results as a Fed Governor Leans Toward a Hike (PR Newswire)
  • Credicorp: Q3 Earnings Snapshot (Associated Press)
  • Credicorp Brings Raised Targets Into An El Nino Provisioning Test As Shares Hug Lows (Earnings Whispers)
  • Credicorp Ltd.: Credicorp's Earnings Release and Conference Call 3Q26 (GlobeNewswire)
  • Credicorp Ltd.: Credicorp's "3Q26 quiet period" (GlobeNewswire)
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  • Starbucks initiated, Expedia downgraded: Wall Street's top analyst calls (The Fly)
  • Bapcor Ltd (ASX:BAP) (FY 2026) Earnings Call Highlights: Turnaround Gains Momentum as Cash Flow ... (GuruFocus.com)
  • Credicorp Ltd.: Credicorp to Host 2026 Strategic Update on November 17, 2026 (GlobeNewswire)
  • Credicorp Ltd (BAP) (Q2 2026) Earnings Call Highlights: Strong ROE of 20. ... (GuruFocus.com)
  • Credicorp: Q2 Earnings Snapshot (Associated Press)
  • Update: Credicorp Ltd.: Credicorp's Earnings Release and Conference Call 2Q26 (GlobeNewswire)
  • Credicorp Ltd.: Credicorp's Earnings Release and Conference Call 2Q26 (GlobeNewswire)
  • Credicorp's "2Q26 quiet period" (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-097.0597.217-1,9171,9075
2026Q22026-08-147.4037.3807.2751,8591,8426
2026Q12026-05-147.5146.9037.6611,7891,7536
2025Q42026-02-135.9326.5365.9011,6781,7496
2025Q32025-11-146.4716.4376.1921,6701,6746
2025Q22025-08-156.4015.9606.2741,6401,5266
2025Q12025-06-166.053-6.0451,529--
2024Q42025-02-113.7994.4183.7651,4261,4456
2024Q32024-11-075.0904.7445.0991,3891,4365
2024Q22024-08-084.5104.8994.5001,3771,3896
2024Q12024-05-095.1034.4105.0541,3121,3486
2023Q42024-02-092.7492.7862.7881,2541,3006
2023Q32023-11-024.0604.1274.2351,2201,2833
2023Q22023-08-114.7494.4284.7581,2541,3167
2023Q12023-05-064.6924.2914.5621,2051,2227
2022Q42023-02-103.4923.9823.4461,1931,1666

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2018FY15.04315.58915.2103,9413,931
2019FY15.93016.51516.0394,3374,316
2020FY1.2000.9151.2463,5623,637
2021FY11.71211.23911.5773,6663,727
2022FY15.09115.41515.2033,9684,151
2023FY15.83016.02716.3194,8255,123
2024FY18.59319.29018.4055,5295,740
2025FY25.87525.75023.8946,5776,687
2026FY-29.249--7,512
2027FY-33.255--8,397
2028FY-38.386--9,444
2029FY-39.629---

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-103101,9951,9372,048
2026Q4S2026-11-023101,9841,9272,037
2026Q4S2026-10-283201,9951,9372,048
2026Q4S2026-10-153302,0021,9442,055
2026Q4S2026-09-153302,0421,9842,096
2026Q4S2026-09-143302,0391,9862,099
2026Q4S2026-08-193202,0191,9812,093
2026Q4S2026-08-143101,9941,9172,087
2026Q4S2026-07-293001,9311,9021,961
2026Q4S2026-07-143011,9261,8981,956
2026Q4S2026-07-043011,9331,9031,962
2026Q4S2026-06-123111,9341,9041,963
2026Q4S2026-05-263111,9311,9011,960
2026Q4S2026-05-252111,9211,9061,937

Estimate history

EPS, annual15.74915.2116.0391.24611.57715.20316.31918.40524.41227.0292
Period201720182019202020212022202320242025TTM
EPS, quarterly5.0993.7656.0456.2746.1925.9017.6617.275-
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual5400.7235435.2815845.6585246.1844988.7975548.5836824.0487395.6327992.6639563.23
Period201720182019202020212022202320242025TTM
Sales, quarterly1802.3831814.6041829.4132032.0182112.052485.8112277.3722390.4532409.597
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual79.4879.76179.5179.46879.53279.53379.49679.43679.36779.419
Period201720182019202020212022202320242025MRQ
Shares, quarterly79.43479.43679.36779.36779.36779.36779.44879.41979.419
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income6,321.455,587.445,292.745,022.143,913.223,049.303,303.213,709.913,505.56
Total Interest Expense1,539.141,461.661,532.771,565.681,021.80640.92851.37985.75922.90
Net Interest Income4,782.314,125.783,759.973,456.462,891.422,408.382,451.842,724.152,582.66
Loan Loss Provision791.25681.90940.77970.93477.13319.211,708.30555.51468.18
Net Interest Income After Loan Loss Provision3,991.073,443.882,819.202,485.532,414.302,089.16743.542,168.642,114.48
Non-Interest Income3,241.782,405.222,102.891,801.911,635.361,939.501,942.972,135.751,929.72
Non-Interest Expense4,010.743,052.252,794.772,426.762,250.072,642.342,566.952,546.242,378.64
Operating Income3,222.112,796.852,127.311,860.681,799.591,386.32119.561,758.161,665.56
Unusual Expense-22.2442.2237.548.2614.8644.796.5211.62
Net Income Before Taxes3,206.862,790.872,091.821,829.581,791.071,372.2264.121,790.441,701.33
Income Taxes936.05803.18586.37504.51550.18427.40-31.46486.35462.71
Consolidated Net Income2,276.961,985.631,497.911,325.061,240.89944.8295.581,304.081,238.62
Net Income From Continuing Operations2,226.031,941.541,465.421,299.861,211.62922.3799.231,278.011,212.02
Net Income2,226.031,941.541,465.421,299.861,211.62922.3799.231,278.011,212.02
EPS (Recurring)-24.6118.7816.6515.2811.711.6416.1015.31
EPS (Basic, Before Extraordinaries)28.0324.4618.4416.3615.2411.601.2516.0815.25
EPS (Diluted)-24.4118.4116.3215.2011.581.2516.0415.21
Non-Operating Income (Expense)-22.4616.266.726.43-0.260.75-10.6438.8047.39
Other After Tax Adjustments-0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-29.4619.5515.5815.1213.4220.9025.3622.92
Price To Earnings Ratio13.6013.6010.508.668.9210.43140.1113.0514.13
Price To Sales Ratio-2.861.971.751.951.952.492.913.25
Operating Margin33.6934.9928.7627.2732.4327.792.2830.0830.64
Net Margin23.2824.2919.8119.0521.8418.491.8921.8622.30
Shares Outstanding79.4279.3779.4479.5079.5379.5379.4779.5179.76
Market Capitalization29,210.3129,210.3114,580.0111,730.5310,612.309,578.1312,869.7916,723.1917,197.47

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income1,690.611,578.461,538.201,514.181,411.361,346.421,323.141,334.53
Total Interest Expense407.02383.96368.79379.37367.82357.49357.57368.06
Net Interest Income1,283.581,194.501,169.421,134.811,043.54988.93965.58966.47
Loan Loss Provision244.86213.19142.27190.93170.61157.33157.30197.91
Net Interest Income After Loan Loss Provision1,038.72981.311,027.15943.88872.93831.61808.28768.56
Non-Interest Income718.99811.99739.17971.63700.69685.60506.27480.07
Non-Interest Expense937.93959.05909.661,204.10850.51783.99686.39701.83
Operating Income819.78834.25856.66711.41723.11733.21628.16546.80
Unusual Expense--3.270.16-4.105.041.4012.1310.68
Net Income Before Taxes826.40826.21858.68695.57707.86698.96681.01467.47
Income Taxes242.72237.43238.71217.18206.09190.65190.43159.32
Consolidated Net Income583.64590.57622.71480.04503.25510.01490.58308.15
Net Income From Continuing Operations570.49577.85608.85468.85491.98498.39480.54300.00
Net Income570.49577.85608.85468.85491.98498.39480.54300.00
EPS (Recurring)-7.257.665.866.246.296.153.87
EPS (Basic, Before Extraordinaries)7.187.287.675.906.196.286.053.77
EPS (Diluted)-7.287.665.906.196.276.043.76
Non-Operating Income (Expense)6.62-11.322.18-19.95-10.21-32.8564.98-68.65
Other After Tax Adjustments-0.000.000.000.000.000.000.00
Stock Option Compensation Expense-9.4010.277.458.318.715.044.81
Price To Earnings Ratio13.6014.9613.8912.8712.5611.5110.1010.50
Price To Sales Ratio-3.343.032.702.722.372.042.02
Operating Margin34.0234.9037.6228.6234.2436.0834.3430.13
Net Margin23.6824.1726.7318.8623.2924.5326.2716.53
Shares Outstanding79.4279.4279.4579.3779.3779.3779.3779.44
Market Capitalization29,210.3130,984.5126,976.0422,826.0021,178.0717,777.2414,805.8814,580.01

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks12,917.0211,460.978,185.887,937.227,836.418,940.947,233.435,737.576,229.16
Investments16,784.5414,890.8014,779.9912,629.6713,227.9716,331.9511,837.5911,225.8412,736.29
Net Loans43,572.9137,493.3037,475.5337,545.5736,556.0636,207.4033,715.9431,879.6330,314.45
Investment in Unconsolidated Affiliates19.43203.34202.20190.64165.06178.55189.91172.30218.75
Customer Liability on Acceptances102.87140.59111.38183.47133.41125.88161.64286.51164.18
Real Estate Assets263.42210.62181.72179.53151.66166.41179.48169.70170.92
Net Property, Plant & Equipment870.30529.81528.86497.36491.40574.41679.54438.27465.82
Interest Receivables646.27593.45611.33552.40466.15477.50368.84353.07336.26
Deferred Tax Assets413.86311.66319.29297.56295.02468.21157.30137.26148.14
Other Intangible Assets3,920.032,330.432,109.891,718.372,030.432,159.512,212.552,067.862,159.06
Total Assets79,510.6668,164.9664,506.0761,731.7861,353.5765,630.7656,736.2352,468.0252,606.78
Total Deposits50,085.9242,444.9039,183.4837,901.9836,964.4338,829.3333,265.0030,518.6529,550.57
Total Debt10,172.4710,197.8510,351.1010,650.9312,227.5414,336.3910,012.8910,051.8011,843.36
Long Term Debt6,590.395,381.645,685.516,379.957,294.099,994.126,799.485,259.266,281.83
Provision for Risks Charges296.41274.34278.12336.37302.63290.62224.59208.52221.68
Deferred Tax Liabilities112.1015.7129.0419.6726.3329.1740.5332.1546.38
Other Liabilities7,217.015,922.045,722.765,062.195,057.625,110.835,115.454,474.404,077.43
Total Liabilities67,883.9158,854.8355,564.5053,971.1454,578.5458,596.3348,658.4645,285.5245,739.42
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity11,409.919,142.238,766.817,605.526,639.556,896.277,924.247,056.166,713.95
Total Shareholders Equity11,409.919,142.238,766.817,605.526,639.556,896.277,924.247,056.166,713.95
Accumulated Minority Interest216.84167.90174.76155.12135.48138.16153.53126.34153.41
Total Equity11,626.759,310.138,941.577,760.646,775.037,034.438,077.777,182.506,867.37
Total Liabilities & Stockholders Equity79,510.6668,164.9664,506.0761,731.7861,353.5765,630.7656,736.2352,468.0252,606.78
Book Value Per Share143.76115.09110.2895.6383.4886.7899.6688.4784.47
Tangible Book Value Per Share125.91104.0799.3286.0774.9477.6090.0580.8476.79
Tier 1 Capital10,388.618,318.684,828.234,446.053,846.904,233.27---
Tier 2 Capital2,640.962,331.274,207.043,880.953,605.843,775.19---
Full-Time Employees51,00538,67637,07436,96836,35836,80635,82834,02433,636
Price to Book Ratio2.611.621.421.561.441.862.112.432.38
Return on Assets2.632.212.051.971.450.162.342.312.53
Return on Equity18.8916.3715.8817.0113.631.3417.0617.6019.96
Return on Invested Capital10.7910.098.998.666.620.598.689.849.66
Current Ratio0.410.400.330.330.330.360.420.360.55

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations-2,174.712,296.211,912.291,729.011,560.171,580.281,799.381,806.52
Extraordinary Item-0.000.000.000.000.000.000.000.00
Changes in Working Capital-397.24336.58834.70917.78259.63268.75127.4070.67
Cash from Operating Activities-2,571.952,632.792,746.992,646.791,819.801,849.031,926.791,877.19
Capital Expenditures--355.68-296.06-307.54-233.67-164.69-181.17-151.83-182.92
Net Assets From Acquisitions--203.870.00-1.490.000.000.00-112.650.00
Sale of Fixed Assets and Businesses-44.9326.1614.201.402.956.5710.5928.92
Purchase or Sale of Investments-116.49-53.46-1,566.99404.551,525.71-4,927.76561.361,086.02
Purchase of Investments--478.85-631.82-1,899.71-317.04-951.44-5,996.98-595.34-1,422.22
Sale Or Maturity of Investments-595.33578.36332.73721.592,477.161,069.221,156.702,508.24
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00
Other Uses--50.460.000.000.000.000.000.000.00
Other Sources-0.000.000.000.000.000.000.000.00
Cash from Investing Activities--4,218.56-1,511.74-2,157.11-1,231.53-1,109.39-10,982.61-1,662.27-2,182.15
Cash Dividends Paid--891.92-976.18-532.72-311.89-102.62-684.47-669.17-343.91
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Change in Capital Stock--33.43-29.54-22.86-19.20-14.19-43.45-30.93-29.03
Repurchase of Common Pref Stock--33.43-29.54-22.86-21.79-15.16-43.45-30.93-29.03
Sale of Common Pref Stock-0.000.000.002.590.970.000.000.00
Proceedsfrom Stock Options-0.000.000.002.590.970.000.000.00
Issuance or Reduction of Debt, Net--725.45-52.71-426.01-2,015.04-1,241.805,026.34-496.57-1,541.34
Change in Long Term Debt--1,030.38-333.57331.91392.65307.75-730.9336.04-303.38
Issuance of Long Term Debt---331.91392.65307.75195.73328.78-
Reduction of Long Term Debt--1,030.38-333.57--24.69-1,266.70-926.65-292.74-303.38
Net Financing Active Other Cash Flow--33.88-28.44-16.58-12.66-1.07-9.23-15.87-13.73
Other Financing Activities Uses--33.88-28.44-16.58-12.66-1.07-9.23-15.87-13.73
Cash from Financing Activities-3,097.572,405.60-440.19-2,418.18-767.0211,629.37966.39-229.38
Exchange Rate Effect--1,057.46109.28-203.21-345.51715.28582.03-88.35214.47
Net Change in Cash-393.503,635.93-53.52-1,348.42658.673,077.831,142.56-319.87
Free Cash Flow-2,492.132,550.172,660.872,596.561,792.061,820.961,886.401,821.98
Price to Free Cash Flow-14.269.275.614.735.7611.4913.9511.95

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks11,840.8512,115.1312,798.4712,917.0210,406.4510,018.03
Investments17,453.1117,953.1917,493.9316,784.5416,132.4316,171.85
Net Loans46,188.0046,345.2942,958.3843,572.9141,189.1038,877.06
Investment in Unconsolidated Affiliates17.9517.5918.8819.4315.1212.17
Net Property, Plant & Equipment745.02836.47760.87870.30786.35795.46
Interest Receivables-667.07546.59646.27561.60550.79
Deferred Tax Assets-457.61419.68413.86365.01346.11
Other Intangible Assets7,159.704,148.224,380.553,920.033,826.573,039.08
Total Assets83,618.0182,950.5279,791.9179,510.6673,663.8870,179.05
Total Deposits52,564.9252,869.6150,577.2150,085.9245,184.0743,104.44
Total Debt9,514.9010,585.519,279.0410,172.4710,125.1410,130.50
Long Term Debt8,092.065,195.765,866.416,590.395,177.515,045.85
Provision for Risks Charges-293.43275.10296.41235.35237.60
Deferred Tax Liabilities-111.40108.49112.10110.1754.75
Other Liabilities9,767.467,710.407,906.727,217.017,259.466,767.45
Total Liabilities71,847.2971,570.3568,146.5767,883.9162,914.1860,294.73
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity11,561.1411,180.7611,464.9311,409.9110,549.099,710.87
Total Shareholders Equity11,561.1411,180.7611,464.9311,409.9110,549.099,710.87
Accumulated Minority Interest209.58199.42180.40216.84200.61173.45
Total Equity11,770.7111,380.1811,645.3311,626.7510,749.709,884.32
Total Liabilities & Stockholders Equity83,618.0182,950.5279,791.9179,510.6673,663.8870,179.05
Book Value Per Share145.57140.78144.31143.76132.92122.35
Tangible Book Value Per Share127.40122.90127.25125.91116.21106.57
Tier 1 Capital--10,127.5410,388.619,742.488,954.59
Tier 2 Capital--2,961.072,640.962,263.222,233.04
Full-Time Employees-52,77051,50951,005--
Price to Book Ratio2.612.702.362.162.181.81
Return on Assets2.832.802.772.632.522.50
Return on Equity20.1420.5619.4618.8818.1218.54
Return on Invested Capital2.903.533.512.603.133.38
Current Ratio0.300.370.410.410.400.40

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations-404.97891.5818.29871.02827.94
Extraordinary Item-0.000.000.000.000.00
Changes in Working Capital-1,001.10-1,823.8914.56-20.02745.40
Cash from Operating Activities-1,406.07-932.3132.85851.001,573.34
Capital Expenditures--120.34-55.91-142.25-97.13-65.48
Net Assets From Acquisitions-0.000.00105.17-10.67-52.30
Sale of Fixed Assets and Businesses-6.450.0140.301.803.57
Purchase or Sale of Investments--54.0042.75254.29-167.94-39.88
Purchase of Investments--12.05-37.11-372.70-77.88-24.73
Sale Or Maturity of Investments--41.9479.86626.99-90.06-15.15
Other Uses-0.000.00-53.180.000.00
Other Sources-91.879.53-200.6261.58139.04
Cash from Investing Activities--76.01-3.62-3,968.99-212.35-15.04
Cash Dividends Paid--1,160.130.00-39.64-0.15-870.60
Preferred Dividends (Cash Flow)-0.000.000.000.000.00
Change in Capital Stock--10.57-27.49-1.49-1.12-0.38
Repurchase of Common Pref Stock--10.57-27.49-1.49-1.12-0.38
Sale of Common Pref Stock-0.000.000.000.000.00
Proceedsfrom Stock Options-0.000.000.000.000.00
Issuance or Reduction of Debt, Net-1,061.442,573.29-2,724.731,078.751,134.12
Change in Long Term Debt-0.000.00-1,085.790.000.00
Reduction of Long Term Debt-0.000.00-1,085.790.000.00
Net Financing Active Other Cash Flow--53.98-14.291,233.1834.28-1,318.84
Other Financing Activities Uses--53.98-14.291,233.1834.28-1,303.16
Cash from Financing Activities--1,881.511,205.155,900.36-29.15-2,078.18
Exchange Rate Effect--74.18217.53-266.01-208.96-321.34
Net Change in Cash--625.64486.741,698.21400.54-841.23
Free Cash Flow-1,387.58-942.9212.92823.581,559.34
Price to Free Cash Flow-380.8949.6913.528.225.63

Revenue breakdown

Bermuda2024: 1.51B 2025: 2.00B
Consolidation, Policy2024: -157.10M 2025: -154.30M
Insurance and Pension Funds2024: 242.60M 2025: 282.71M
Microfinance2024: 80.06M 2025: 141.21M
Universal Banking2024: 1.35B 2025: 1.73B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-302.13%1.2M56.1M314.23K
2026-10-152.24%1.3M56.1M304.79K
2026-09-302.20%1.2M56.1M299.63K
2026-09-152.19%1.2M56.1M322.44K
2026-08-312.23%1.3M56.1M399.33K
2026-08-142.24%1.3M56.2M437.31K
2026-07-311.87%1.1M56.2M447.73K
2026-07-152.02%1.1M56.2M469.55K
2026-06-302.39%1.3M56.2M493.55K
2026-06-152.55%1.4M56.2M471.43K
2026-05-292.39%1.3M56.2M407.24K
2026-05-152.24%1.3M56.2M410.71K
2026-04-302.46%1.4M56.2M463.42K
2026-04-152.18%1.2M56.2M498.43K
2026-03-312.21%1.2M53.3M490.55K
2026-03-132.28%1.2M53.3M478.15K
2026-02-272.14%1.1M53.3M465.43K
2026-02-132.50%1.3M53.3M431.46K
2026-01-302.82%1.5M53.3M353.71K
2026-01-152.34%1.2M53.3M296.50K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call175187.4193.10.002.6140.000.000.972-0.5240.036
call180182.4188.80.002.7220.000.000.971-0.5220.037
call185177.4184.80.002.8530.000.000.970-0.5190.038
call190172.4179.50.002.6950.000.000.969-0.5170.039
call195167.4173.10.002.2670.000.000.968-0.5140.040
call200162.4168.91852.3861.000.000.967-0.5110.041
call210152.4158.80.002.1970.000.000.965-0.5050.044
call220142.4149.30.002.1350.000.000.962-0.4980.046
call230132.2138.80.001.9940.000.000.959-0.4900.049
call240122.5128.80.001.7390.000.000.956-0.4830.052
call250112.5118.90.001.7080.000.000.952-0.4730.056
call260102.5108.60.001.4280.000.000.949-0.4640.060
call27092.2098.90108.51.4251.000.000.944-0.4530.064
call28082.6089.600.001.3130.000.000.939-0.4420.069
call29072.7079.600.001.1790.000.000.908-0.6260.094
call30062.8069.30100.571.0662.000.000.895-0.6140.103
call31053.0059.8072.600.9285.000.000.884-0.5880.112
call32043.3049.900.000.8070.000.000.856-0.6230.130
call33033.8041.0064.910.7222.000.000.796-0.7810.162
call34024.8031.7066.000.6338.000.000.748-0.7890.183
call35016.8021.2024.000.51435.000.000.681-0.7730.205
call3608.2015.0012.460.5198.000.000.591-0.6890.223
call3705.208.106.540.41821.001.000.468-0.6090.229
call3801.005.704.600.4732.000.000.343-0.5950.211
call3900.056.301.850.6271560.000.267-0.6440.189
call4000.054.501.500.67011.000.000.215-0.6260.168
call4100.003.506.200.7105.000.000.169-0.5720.145
call4200.003.602.950.80116.000.000.154-0.6070.136
call4300.004.902.050.89513.000.000.142-0.6410.129
call4400.004.9020.160.9802.000.000.132-0.6690.123
call4500.004.901.251.0612.000.000.124-0.6950.118
call4600.004.900.001.1420.000.000.117-0.7180.113
call4700.004.9014.501.2132.000.000.112-0.7380.109
call4800.004.900.001.2800.000.000.107-0.7570.106
call4900.004.900.051.3571.000.000.103-0.7760.103
call5000.000.700.550.9723.000.000.032-0.2160.044
call5200.004.900.001.1360.000.000.030-0.2430.039
call5400.004.900.001.2320.000.000.028-0.2500.036
call5600.000.450.051.1771.000.000.019-0.1640.027
call5800.004.900.001.3270.000.000.017-0.1830.025
put1750.004.901.132.7478.000.00-0.027-0.5460.036
put1800.004.902.502.6542.000.00-0.028-0.5430.037
put1850.004.901.902.5641.000.00-0.029-0.5400.038
put1900.004.902.202.4761.000.00-0.030-0.5370.039
put1950.004.902.502.3911.000.00-0.031-0.5330.040
put2000.004.902.852.3074.000.00-0.032-0.5300.041
put2100.004.903.102.1455.000.00-0.034-0.5220.044
put2200.004.900.001.9910.000.00-0.037-0.5150.046
put2300.004.900.001.8430.000.00-0.040-0.5060.049
put2400.004.900.001.7000.000.00-0.043-0.4970.053
put2500.004.900.001.5620.000.00-0.047-0.4870.056
put2600.003.603.501.4311.000.00-0.051-0.4760.060
put2700.001.900.001.2970.000.00-0.055-0.4630.064
put2800.001.900.001.1750.000.00-0.061-0.4510.069
put2900.003.203.301.2021.000.00-0.092-0.6340.095
put3000.003.601.001.0815.000.00-0.104-0.6220.103
put3100.003.302.800.9423.000.00-0.117-0.5900.113
put3200.003.901.400.86520.000.00-0.144-0.6270.130
put3300.056.101.850.8724.000.00-0.203-0.7860.162
put3400.307.603.430.79714.000.00-0.252-0.7850.183
put3500.659.904.800.76023.000.00-0.311-0.7730.203
put3603.7010.509.410.6011.000.00-0.397-0.6880.222
put3709.9014.4017.300.55493.000.00-0.530-0.6100.229
put38015.0021.0015.600.57388.000.00-0.657-0.5930.211
put39023.1028.7024.600.56842.000.00-0.729-0.6440.190
put40031.7037.9046.900.6793.000.00-0.782-0.6210.169
put41041.1047.700.000.7750.000.00-0.829-0.5650.146
put42051.7057.700.000.8750.000.00-0.845-0.6020.137
put43061.5067.7049.000.9700.000.00-0.857-0.6330.129
put44071.4077.700.001.0600.000.00-0.866-0.6610.123
put45081.5087.7074.001.1450.000.00-0.874-0.6850.118
put46091.2097.700.001.2270.000.00-0.881-0.7070.114
put470101.6107.70.001.2990.000.00-0.887-0.7270.110
put480110.5117.70.001.3810.000.00-0.892-0.7450.106
put490121.5127.70.001.4540.000.00-0.896-0.7610.103
put500131.2137.70.001.5250.000.00-0.967-0.2220.041
put520151.5157.70.001.6340.000.00-0.969-0.2270.039
put540171.2177.70.001.7590.000.00-0.971-0.2310.036
put560191.2197.70.001.9040.000.00-0.980-0.1590.026
put580211.5217.70.002.0170.000.00-0.981-0.1600.025

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-106-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-30SEC
2026-11-053Initial statement of beneficial ownership of securities2026-10-01SEC
2026-09-176-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-17SEC
2026-08-176-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-17SEC
2026-08-12SCHEDULE 13GSEC
2026-08-03SCHEDULE 13G/ASEC
2026-07-27SCHEDULE 13GSEC
2026-06-246-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-24SEC
2026-06-106-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-10SEC
2026-06-094Statement of changes in beneficial ownership of securities2026-06-05SEC
2026-06-096-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-09SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-186-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-18SEC
2026-05-136-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-13SEC
2026-05-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-05SEC
2026-05-016-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-30SEC
2026-04-30SCHEDULE 13G/ASEC
2026-04-27SCHEDULE 13GSEC
2026-04-2720-FRegistration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer.2025-12-31SEC
2026-04-236-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-23SEC
2026-04-203/A2026-03-18SEC
2026-04-163Initial statement of beneficial ownership of securities2026-03-31SEC
2026-04-103Initial statement of beneficial ownership of securities2026-03-31SEC
2026-04-063Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-063Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-033Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-033Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-023Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-023Initial statement of beneficial ownership of securities2026-03-31SEC
2026-04-023Initial statement of beneficial ownership of securities2026-03-18SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-06001.12M1
2026-0500362.14K1
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.6.24%
Capital World Investors5.53%
FMR LLC4.75%
DODGE & COX3.29%
JPMORGAN CHASE & CO3.06%
BAILLIE GIFFORD & CO2.89%
MASSACHUSETTS FINANCIAL SERVICES CO /MA/2.67%
ROYAL BANK OF CANADA2.05%
Westwood Global Investments, LLC1.91%
STATE STREET CORP1.71%

Funds

Fund% owned
Dodge & Cox International Stock Fund2.52%
American Balanced Fund2.09%
New Economy Fund1.01%
Fidelity Advisor Focused Emerging Markets Fund1.00%
iShares Core MSCI Emerging Markets ETF0.97%
Strategic Advisers Fidelity Emerging Markets Fund0.97%
Income Fund of America0.88%
MFS International Growth Fund0.86%
Avantis International Small Cap Value ETF0.80%
Harding Loevner International Equity Portfolio0.72%

OakChart. BAP. Cached 15 minutes.