Credicorp (BAP) Valuation Check After Tenpo’s Regulatory Approval And Strong Share Price Momentum

Simply Wall St.02-01

Credicorp (BAP) is back in focus after Tenpo, its digital banking subsidiary in Chile, received operating authorization from the Comisión para el Mercado Financiero, giving the group a new regulated ...

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The 1 year total shareholder return of 105.86% and 3 year total...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0868486357.SGD":"JPMorgan Funds - Emerging Markets Opportunities A (acc) SGD-H","DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc","BAP.AU":"BAPCOR LTD","LU0053687314.USD":"JPM LATIN AMERICA EQUITY \"A\" INC","BAP":"Credicorp Ltd","IE00BYV24P56.USD":"GUINNESS EMERGING MARKETS EQUITY INCOME \"C\" (USD) ACC","LU0390136736.USD":"TEMPLETON FRONTIER MARKETS \"A\" (USD) ACC","IE00BMCWC346.EUR":"GUINNESS EMERGING MARKETS EQUITY INCOME \"C\" (EUR) ACC","LU0106959298.USD":"UBS (LUX) EQUITY FUND - EMERGING MARKETS SUSTAINABLE LEADERS (USD) \"P\" (USD) ACC","LU0396314238.USD":"abrdn SICAV I - LATIN AMERICAN EQUITY \"A\" (USD) ACC","LU0390137627.USD":"TEMPLETON FRONTIER MARKETS \"A\" (USD) INC","LU2045819591.USD":"Natixis WCM Global Emerging Markets Equity R/A USD","LU0431992006.USD":"摩根大通新兴市场机会A（acc）","LU0823046494.USD":"AMUNDI FUNDS LATIN AMERICA EQUITY \"A2\" (USD) ACC","LU2125910849.SGD":"Natixis WCM Global Emerging Markets Equity R/A SGD","LU0823046577.USD":"AMUNDI FUNDS LATIN AMERICA EQUITY \"A2\" (USD) INC","IE00BGV7N243.SGD":"FSSA Global Emerging Markets Focus I Acc SGD","BK4207":"综合性银行","BK7086":"经销商","LU0210535034.USD":"摩根大通拉丁美洲基金","LU2125910500.SGD":"Natixis WCM Global Emerging Markets Equity H-R/A SGD","IE00B1B80R65.USD":"柏瑞拉丁美洲股票A","LU0390137544.SGD":"FTIF - Templeton Frontier Markets A Acc SGD"},"translate_title":"Tenpo获得监管部门批准和强劲股价势头后的Credicorp(BAP)估值检查","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"BAP.AU":1.5,"BAP":1.5,"DCF":1},"content_text":"Credicorp (BAP) is back in focus after Tenpo, its digital banking subsidiary in Chile, received operating authorization from the Comisión para el Mercado Financiero, giving the group a new regulated foothold in that market. See our latest analysis for Credicorp. The Tenpo approval has arrived alongside strong recent share price gains, with a 30 day share price return of 24.33% and a 90 day share price return of 36.72%. The 1 year total shareholder return of 105.86% and 3 year total shareholder return above 2x suggest momentum has been building over a longer stretch despite a 1 day share price pullback of 2.35% to US$356.83. If this kind of regional banking expansion has your attention, it could be a good time to broaden your watchlist with fast growing stocks with high insider ownership. With Tenpo cleared to operate and Credicorp trading at an estimated 28% discount to one intrinsic value estimate, yet about 10% above one analyst price target, you have to ask: is there still a buying opportunity here, or is the market already pricing in future growth? AdvertisementMost Popular Narrative: 13.7% Overvalued Credicorp’s most followed narrative puts fair value at about $313.82, below the last close of $356.83. This framing puts the recent rally in a very different light.  Recent and anticipated expansion of digital financial services like Yape is unlocking new revenue streams through both increased transaction volumes and lending to previously underserved segments, driving strong growth in fee-based income and supporting sustained top-line expansion.  Read the complete narrative. Curious how a digital wallet, fee income mix, long term revenue assumptions and a single discount rate combine to justify that gap to today’s price? The most followed narrative spells out a detailed earnings path, a firm view on future margins and a specific profit multiple that all have to hold together for $313.82 to make sense. Result: Fair Value of $313.82 (OVERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this story can shift quickly if Peru specific political or regulatory shocks, including the PEN 1.6b tax dispute, hit earnings, or if rapid Yape lending weakens asset quality. Find out about the key risks to this Credicorp narrative. Another Angle On Value: Cash Flows Tell A Different Story While the most followed narrative suggests Credicorp is about 13.7% overvalued at $356.83, our DCF model points in the opposite direction with an estimated future cash flow value of $495.60. That 28% gap raises a simple question for you: are earnings multiples or cash flows telling the clearer story? Look into how the SWS DCF model arrives at its fair value. BAP Discounted Cash Flow as at Jan 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Credicorp for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 868 undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.  Build Your Own Credicorp Narrative If you see the numbers differently or just prefer to dig into the data yourself, you can shape a custom view of Credicorp in a few minutes: Do it your way. A great starting point for your Credicorp research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision. Looking for more investment ideas? If you have done the work on Credicorp, do not stop there. Widen your opportunity set with a few focused stock ideas built from data driven screens.  Spot potential deep value candidates by checking out these 868 undervalued stocks based on cash flows that may trade at prices below what their cash flows suggest. Explore trends in digital assets by scanning these 18 cryptocurrency and blockchain stocks that are tied to cryptocurrency and blockchain themes. Identify potential income ideas by reviewing these 14 dividend stocks with yields > 3% that currently offer yields above 3%.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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