High importanceChecking
Loan growth
ExpectedFull-year loan portfolio growth guidance of about 12%company guidance
The resultChecking
More lending can increase the interest Credicorp earns from its core banking business.
67/100B363.90
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8.45
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Last updated: · Delayed 15 min
Fair value497.38Plus-27%373Price 363.90622
Q3 FY2026 results
EPS7.06-2.6%Revenue1.93B+1.0%
Q3 FY2026 results
EPS7.06Missed -2.6%(est. 7.25)Revenue1.93BBeat +1.0%(est. 1.92B)
Credicorp earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Credicorp reports its Q4 FY2026 results on 11 February 2027. Analysts expect earnings per share of 6.98 USD and revenue of 2.02B USD.
In Q3 FY2026, reported on 9 November 2026, Credicorp earned 7.06 USD a share against the 7.25 USD analysts expected (-2.6%), on revenue of 1.93B USD against 1.92B USD (+1.0%).
- Last EPS surpriseWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
- -2.6%
- Last revenue surprise
- +1.0%
- Move after the last reportWhat is the next-day move after earnings? The next-day move is how much a stock's price changed on the first trading day after an earnings report: how the market took the results.
- —
- Average move after earningsWhat is the next-day move after earnings? The next-day move is how much a stock's price changed on the first trading day after an earnings report: how the market took the results.
- 2.2%
EPS and revenue against estimates
Latest results · Q3 FY2026
Reported EPS
7.06-2.62%
est. 7.25
Reported revenue
1.93B+0.96%
est. 1.92B
Next report · Q4 FY2026
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth | Next-day move |
|---|---|---|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 6.98 | — | — | +18.71% | 2.02B | — | — | +13.23% | — | |
| Q3 FY2026 | 7.25 | 7.06 | -2.62% | +12.42% | 1.92B | 1.93B | +0.96% | +15.87% | — | |
| Q2 FY2026 | 7.31 | 7.29 | -0.27% | +13.37% | 1.82B | 1.85B | +1.39% | +15.37% | +3.1% | |
| Q1 FY2026 | 6.92 | 7.65 | +10.55% | +27.08% | 1.73B | 1.73B | -0.07% | +17.06% | -3.6% | |
| Q4 FY2025 | 6.50 | 5.88 | -9.54% | +56.38% | 1.75B | 1.78B | +1.76% | +26.88% | -3.3% | |
| Q3 FY2025 | 6.29 | 6.28 | -0.16% | +23.62% | 1.64B | 1.67B | +2.09% | +18.70% | — | |
| Q2 FY2025 | 5.93 | 6.43 | +8.43% | +43.21% | 1.56B | 1.60B | +2.41% | +19.88% | — | |
| Q1 FY2025 | 5.43 | 6.02 | +10.87% | +18.97% | 1.52B | 1.48B | -2.55% | +12.41% | — | |
| Q4 FY2024 | 4.37 | 3.76 | -13.96% | +34.29% | 1.42B | 1.40B | -1.36% | +7.77% | — | |
| Q3 FY2024 | 4.57 | 5.08 | +11.16% | +23.60% | 1.46B | 1.41B | -3.66% | +14.04% | +1.5% | |
| Q2 FY2024 | 4.75 | 4.49 | -5.47% | -5.67% | 1.35B | 1.34B | -0.75% | +4.13% | -1.9% | |
| Q1 FY2024 | 4.43 | 5.06 | +14.22% | +31.43% | 1.34B | 1.31B | -1.97% | +10.86% | -2.7% | |
| Q4 FY2023 | 2.82 | 2.80 | -0.71% | -18.84% | 1.33B | 1.30B | -2.43% | +7.84% | +2.8% | |
| Q3 FY2023 | 4.36 | 4.11 | -5.73% | -2.14% | 1.31B | 1.23B | -6.09% | +13.78% | -0.5% | |
| Q2 FY2023 | 4.38 | 4.76 | +8.68% | +26.93% | 1.33B | 1.28B | -3.49% | +24.61% | -3.0% | |
| Q1 FY2023 | 4.12 | 3.85 | -6.55% | +2.94% | 1.23B | 1.18B | -3.47% | +15.41% | +5.7% | |
| Q4 FY2022 | 3.76 | 3.45 | -8.24% | +4.55% | 1.19B | 1.21B | +1.54% | +23.20% | -7.5% | |
| Q3 FY2022 | 3.91 | 4.20 | +7.42% | +382.76% | 1.07B | 1.08B | +1.57% | +1.08% | +0.4% | |
| Q2 FY2022 | 3.82 | 3.75 | -1.83% | +61.64% | 1.06B | 1.03B | -2.69% | -0.57% | -1.7% | |
| Q1 FY2022 | 3.90 | 3.74 | -4.10% | +65.49% | 1.06B | 1.03B | -3.40% | -5.10% | -0.1% | |
| Q4 FY2021 | 3.36 | 3.30 | -1.79% | +44.74% | 948.63M | 979.77M | +3.28% | -14.97% | +7.5% | |
| Q3 FY2021 | 2.81 | 0.87 | -69.04% | +128.95% | 850.76M | 1.07B | +26.07% | -5.82% | — | |
| Q2 FY2021 | 2.41 | 2.32 | -3.73% | — | 850.76M | 1.04B | +21.78% | -6.89% | — | |
| Q1 FY2021 | 2.36 | 2.26 | -4.24% | +193.51% | 3.35B | 1.08B | -67.70% | +4.45% | — | |
| Q4 FY2020 | 1.80 | 2.28 | +26.67% | -37.19% | 2.77B | 1.15B | -58.44% | -17.07% | — | |
| Q3 FY2020 | 1.16 | 0.38 | -67.24% | -90.71% | 4.87B | 1.14B | -76.62% | -16.30% | -2.6% | |
| Q2 FY2020 | 2.39 | -2.27 | -194.98% | -161.52% | 3.50B | 1.11B | -68.22% | -17.97% | +3.3% | |
| Q1 FY2020 | 3.80 | 0.77 | -79.74% | -81.45% | 1.54B | 1.04B | -32.75% | -21.33% | +0.7% | |
| Q4 FY2019 | 4.05 | 3.63 | -10.37% | +1.40% | 5.00B | 1.39B | -72.20% | +7.28% | +1.7% | |
| Q3 FY2019 | 4.25 | 4.09 | -3.76% | +6.23% | 4.36B | 1.36B | -68.76% | +7.31% | -4.7% | |
| Q2 FY2019 | 4.14 | 3.69 | -10.87% | -1.86% | 4.10B | 1.36B | -66.92% | +9.60% | -3.5% | |
| Q1 FY2019 | 4.14 | 4.15 | +0.24% | +3.23% | 3.94B | 1.32B | -66.61% | +3.72% | +0.3% | |
| Q4 FY2018 | 3.95 | 3.58 | -9.37% | -12.90% | 4.45B | 1.30B | -70.91% | -2.01% | -3.7% | |
| Q3 FY2018 | 4.00 | 3.85 | -3.75% | +4.34% | 3.93B | 1.27B | -67.75% | -2.95% | — | |
| Q2 FY2018 | 3.74 | 3.76 | +0.53% | +6.21% | 3.87B | 1.24B | -67.99% | +1.22% | — | |
| Q1 FY2018 | 3.92 | 4.02 | +2.55% | +20.00% | 3.47B | 1.27B | -63.44% | +3.57% | — | |
| Q4 FY2017 | 3.58 | 4.11 | +14.80% | +21.96% | 4.33B | 1.32B | -69.49% | +11.27% | — | |
| Q3 FY2017 | 3.57 | 3.69 | +3.36% | +3.36% | 3.68B | 1.31B | -64.46% | +12.45% | — | |
| Q2 FY2017 | 3.44 | 3.54 | +2.91% | +8.26% | 3.41B | 1.22B | -64.19% | +3.97% | — | |
| Q1 FY2017 | 3.38 | 3.35 | -0.89% | +15.52% | 3.58B | 1.23B | -65.80% | +10.80% | — | |
| Q4 FY2016 | 3.03 | 3.37 | +11.22% | +21.66% | 3.53B | 1.19B | -66.33% | +6.08% | — | |
| Q3 FY2016 | 2.98 | 3.57 | +19.80% | +13.33% | 3.67B | 1.16B | -68.37% | +4.11% | +6.0% | |
| Q2 FY2016 | 3.05 | 3.27 | +7.21% | +9.36% | 3.30B | 1.18B | -64.31% | +5.42% | -1.4% | |
| Q1 FY2016 | 2.92 | 2.90 | -0.68% | -11.59% | 3.36B | 1.11B | -67.12% | -1.68% | -1.7% | |
| Q4 FY2015 | 2.60 | 2.77 | +6.54% | +39.20% | 3.58B | 1.12B | -68.71% | -2.16% | +0.9% | |
| Q3 FY2015 | 2.84 | 3.15 | +10.92% | +16.24% | 3.36B | 1.12B | -66.79% | -1.46% | +0.2% | |
| Q2 FY2015 | 2.78 | 2.99 | +7.55% | +16.34% | 2.87B | 1.12B | -61.17% | -1.63% | -3.0% | |
| Q1 FY2015 | 2.78 | 3.28 | +17.99% | +12.33% | 2.76B | 1.13B | -59.19% | +7.47% | -1.0% | |
| Q4 FY2014 | 2.82 | 1.99 | -29.43% | +4.74% | 3.18B | 1.14B | -64.06% | +7.78% | -3.4% | |
| Q3 FY2014 | 2.73 | 2.71 | -0.73% | +20.44% | 3.90B | 1.13B | -70.99% | +14.54% | +0.1% | |
| Q2 FY2014 | 2.57 | 2.57 | 0.00% | +24.15% | 2.82B | 1.13B | -59.75% | +65.48% | +2.9% | |
| Q1 FY2014 | 2.43 | 2.92 | +20.16% | +28.07% | 2.20B | 1.05B | -52.34% | +8.24% | +1.2% | |
| Q4 FY2013 | 2.37 | 1.90 | -19.83% | -24.30% | 2.63B | 1.06B | -59.58% | +10.84% | +0.3% | |
| Q3 FY2013 | 2.54 | 2.25 | -11.42% | -21.05% | 2.48B | 988.74M | -60.20% | -1.15% | -3.9% | |
| Q2 FY2013 | 2.17 | 2.07 | -4.61% | -4.17% | 687.32M | 685.33M | -0.29% | -22.53% | +1.5% | |
| Q1 FY2013 | 2.56 | 2.28 | -10.94% | -3.80% | 2.43B | 967.11M | -60.12% | +19.94% | +4.4% | |
| Q4 FY2012 | 2.42 | 2.51 | +3.72% | +5.91% | 2.61B | 958.13M | -63.31% | +8.86% | +1.6% | |
| Q3 FY2012 | 2.38 | 2.85 | +19.75% | +33.18% | 1.80B | 1.00B | -44.45% | +40.91% | +2.5% | |
| Q2 FY2012 | 2.37 | 2.16 | -8.86% | -0.92% | 2.03B | 884.66M | -56.47% | +32.69% | -1.0% | |
| Q1 FY2012 | 2.28 | 2.37 | +3.95% | +8.22% | 1.74B | 806.32M | -53.77% | -10.98% | -1.0% | |
| Q4 FY2011 | 2.11 | 2.37 | +12.32% | +46.30% | 962.71M | 880.13M | -8.58% | -19.86% | +1.0% | |
| Q3 FY2011 | 2.11 | 2.14 | +1.42% | +9.18% | 1.50B | 709.85M | -52.64% | +13.70% | +2.0% | |
| Q2 FY2011 | 2.01 | 2.18 | +8.46% | +7.39% | 1.40B | 666.74M | -52.45% | +14.16% | +3.8% | |
| Q1 FY2011 | 1.85 | 2.19 | +18.38% | +41.29% | 1.19B | 905.82M | -24.11% | +69.96% | -2.5% | |
| Q4 FY2010 | 1.83 | 1.62 | -11.48% | +5.88% | 2.95B | 1.10B | -62.80% | +85.34% | -2.0% | |
| Q3 FY2010 | 1.82 | 1.96 | +7.69% | +28.10% | 1.26B | 624.32M | -50.53% | +18.93% | -2.2% | |
| Q2 FY2010 | 1.65 | 2.03 | +23.03% | +40.97% | 1.10B | 584.03M | -46.82% | +5.51% | +1.6% | |
| Q1 FY2010 | 1.43 | 1.55 | +8.39% | +11.51% | 1.11B | 532.96M | -51.95% | +0.03% | -2.8% | |
| Q4 FY2009 | 1.35 | 1.53 | +13.33% | +800.00% | 1.21B | 592.55M | -50.91% | +190.06% | -2.7% | |
| Q3 FY2009 | 1.27 | 1.53 | +20.47% | +31.90% | 949.68M | 524.94M | -44.72% | +3.30% | +0.4% | |
| Q2 FY2009 | 1.31 | 1.44 | +9.92% | +56.52% | 1.14B | 553.53M | -51.43% | -7.80% | +4.7% | |
| Q1 FY2009 | 1.20 | 1.39 | +15.83% | -37.67% | 1.04B | 532.82M | -48.60% | +6.09% | +1.5% | |
| Q4 FY2008 | 1.18 | 0.17 | -85.59% | -85.59% | 530.23M | 204.29M | -61.47% | -65.47% | +3.7% | |
| Q3 FY2008 | 1.41 | 1.16 | -17.73% | +2.65% | 1.14B | 508.17M | -55.51% | +8.81% | +0.4% | |
| Q2 FY2008 | 1.14 | 0.92 | -19.30% | -16.36% | 1.17B | 600.37M | -48.63% | +39.93% | +6.2% | |
| Q1 FY2008 | 1.17 | 2.23 | +90.60% | +125.25% | 1.09B | 502.23M | -53.94% | +27.12% | -2.8% | |
| Q4 FY2007 | 1.11 | 1.18 | +6.31% | +49.37% | 1.27B | 591.53M | -53.39% | +63.20% | +3.5% | |
| Q3 FY2007 | 1.05 | 1.13 | +7.62% | +76.56% | 754.33M | 467.03M | -38.09% | +33.67% | -1.8% | |
| Q2 FY2007 | 1.01 | 1.10 | +8.91% | +35.80% | 722.61M | 429.05M | -40.63% | +21.50% | -0.9% | |
| Q1 FY2007 | 0.88 | 0.99 | +12.50% | +54.69% | 642.04M | 395.08M | -38.47% | +21.91% | +4.9% | |
| Q4 FY2006 | 0.75 | 0.79 | +5.33% | +41.07% | 846.55M | 362.46M | -57.18% | +16.39% | +9.0% | |
| Q3 FY2006 | 0.71 | 0.64 | -9.86% | +6.67% | 929.14M | 349.40M | -62.40% | +21.43% | -5.0% | |
| Q2 FY2006 | 0.66 | 0.81 | +22.73% | +39.66% | 676.23M | 353.13M | -47.78% | +29.21% | +4.0% | |
| Q1 FY2006 | 0.56 | 0.64 | +14.29% | +16.36% | 740.82M | 324.08M | -56.25% | +26.88% | +0.5% | |
| Q4 FY2005 | 0.51 | 0.56 | +9.80% | +27.27% | 807.56M | 311.43M | -61.44% | +62.79% | +0.2% | |
| Q3 FY2005 | 0.57 | 0.60 | +5.26% | +46.34% | 772.60M | 287.73M | -62.76% | +3.09% | -0.0% | |
| Q2 FY2005 | 0.49 | 0.58 | +18.37% | +41.46% | 597.24M | 273.29M | -54.24% | +10.49% | +0.5% | |
| Q1 FY2005 | 0.43 | 0.55 | +27.91% | +44.74% | 516.66M | 255.43M | -50.56% | +3.33% | +1.4% | |
| Q4 FY2004 | 0.41 | 0.44 | +7.32% | +83.33% | 160.19M | 191.31M | +19.43% | -0.25% | +1.9% | |
| Q3 FY2004 | 0.35 | 0.41 | +17.14% | +24.24% | 673.71M | 279.10M | -58.57% | +19.20% | -0.5% | |
| Q2 FY2004 | 0.33 | 0.41 | +24.24% | +17.14% | 550.13M | 247.34M | -55.04% | +1.94% | -0.4% | |
| Q1 FY2004 | 0.29 | 0.38 | +31.03% | +1,166.67% | 532.23M | 247.19M | -53.56% | +22.66% | +1.0% | |
| Q4 FY2003 | 0.34 | 0.24 | -29.41% | +41.18% | 759.05M | 191.79M | -74.73% | +1.98% | +0.3% | |
| Q3 FY2003 | 0.28 | 0.33 | +17.86% | +725.00% | 604.55M | 234.14M | -61.27% | +39.23% | +0.9% | |
| Q2 FY2003 | 0.17 | 0.35 | +105.88% | +150.00% | 514.47M | 242.63M | -52.84% | +8.16% | +0.9% | |
| Q1 FY2003 | 0.19 | 0.03 | -84.21% | -84.21% | 205.91M | 201.53M | -2.13% | -11.25% | -1.1% | |
| Q4 FY2002 | 0.14 | 0.17 | +21.43% | -48.48% | 491.15M | 188.06M | -61.71% | -21.10% | +0.5% | |
| Q3 FY2002 | 0.13 | 0.04 | -69.23% | — | 139.52M | 168.17M | +20.54% | — | +0.8% | |
| Q2 FY2002 | 0.16 | 0.14 | -12.50% | -26.32% | 710.40M | 224.31M | -68.42% | +29.98% | -0.3% | |
| Q1 FY2002 | 0.16 | 0.19 | +18.75% | — | 506.69M | 227.09M | -55.18% | — | -0.4% | |
| Q4 FY2001 | 0.29 | 0.33 | +13.79% | — | 547.05M | 238.36M | -56.43% | — | -1.1% | |
| Q2 FY2001 | 0.01 | 0.19 | +1,800.00% | — | 178.12M | 172.58M | -3.11% | — | -0.2% | |
| Q3 FY2000 | 0.06 | 0.06 | 0.00% | — | — | 271.78M | — | — | +2.2% | |
| Q2 FY1999 | 0.14 | 0.03 | -78.57% | -89.29% | 140.69M | 168.70M | +19.91% | -41.60% | 0.0% | |
| Q1 FY1999 | 0.26 | 0.02 | -92.31% | — | 142.27M | 158.41M | +11.34% | — | +8.2% | |
| Q4 FY1998 | 0.10 | 0.02 | -80.00% | -93.75% | 144.73M | 172.16M | +18.95% | — | +0.7% | |
| Q3 FY1998 | -0.02 | -0.09 | -345.32% | -121.95% | 162.93M | 157.85M | -3.11% | — | +3.7% | |
| Q2 FY1998 | 0.28 | 0.28 | 0.00% | — | 539.18M | 288.84M | -46.43% | — | +0.4% | |
| Q4 FY1997 | 0.23 | 0.32 | +39.13% | -11.11% | — | — | — | — | -1.4% | |
| Q3 FY1997 | 0.46 | 0.41 | -10.87% | -4.65% | — | — | — | — | +2.3% | |
| Q1 FY1997 | 0.48 | 0.48 | 0.00% | +9.09% | — | — | — | — | -2.9% | |
| Q4 FY1996 | 0.39 | 0.36 | -7.69% | — | — | — | — | — | +2.9% | |
| Q3 FY1996 | 0.42 | 0.43 | +2.38% | — | — | — | — | — | -3.4% | |
| Q2 FY1996 | 0.40 | 0.42 | +5.00% | — | — | — | — | — | 0.0% | |
| Q1 FY1996 | 0.45 | 0.44 | -2.22% | — | — | — | — | — | 0.0% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 38.41 | — | — | +14.10% | 9.44B | — | — | +11.51% |
| FY2027 | 33.66 | — | — | +14.54% | 8.47B | — | — | +11.56% |
| FY2026 | 29.39 | — | — | +19.42% | 7.59B | — | — | +16.28% |
| FY2025 | 26.19 | 24.61 | -6.04% | +33.82% | 6.77B | 6.53B | -3.62% | +19.58% |
| FY2024 | 19.41 | 18.39 | -5.26% | +18.49% | 5.79B | 5.46B | -5.64% | +9.11% |
| FY2023 | 16.82 | 15.52 | -7.74% | +2.51% | 5.38B | 5.00B | -6.94% | +15.08% |
| FY2022 | 15.79 | 15.14 | -4.12% | +73.03% | 4.25B | 4.35B | +2.25% | +4.26% |
The move is the shares' change on the trading day after the report: after a report after the close, the next day's close on the report day's; before the open, the report day's close on the day before's. Surprise is the reported figure against the analysts' average estimate.
Q3 FY2026
What the market waited for, and what cameWhat is the market waiting for in a report? The two to four figures investors watch most in a company's next earnings report, each with the number analysts or the company expect, and after the report, whether it came in.
From the last earnings call, the company's guidance and analysts' previews, and checked against the report when it comes.
High importanceChecking
Loan loss costs
ExpectedFull-year loan-loss cost guidance of 1.7% to 2.1%company guidance
The resultChecking
Higher provisions for potential El Niño-related losses could eat into profits.
High importanceChecking
Profitability outlook
ExpectedFull-year return on equity guidance of about 19.5%company guidance
The resultChecking
A sustained return on shareholders’ capital would support confidence in Credicorp’s earnings power.
Medium importanceChecking
Interest margin
ExpectedFull-year net interest margin guidance of 6.4% to 6.7%company guidance
The resultChecking
The margin shows how much Credicorp earns from interest relative to the assets that generate it.
Beat recordWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
On average, analysts' EPS estimate was 7.3% off the result, either way, and their revenue estimate 1.8%, over the last 12 quarters.
- EPS beats
- 61 / 114
- Revenue beats
- 15 / 106
- Average EPS surprise, last 12What is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
- +1.9%
- Since
- May 1996
See also:Forecast,EPS,Income statement
Common questions about Credicorp's earnings
Source: Financial Modeling Prep