Overview of Financial Statements
Financial statements are records that provide an overview of a company's financial performance and position. There are three main types of financial statements:
- Income Statement: Shows the company's revenue, expenses, and profit over a specific period.
- Balance Sheet: Provides a snapshot of the company's assets, liabilities, and equity at a specific point in time.
- Cash Flow Statement: Details the cash inflows and outflows from operating, investing, and financing activities over a period.
This page presents both annual and quarterly data for these financial statements. The charts below provide a visual representation of the key metrics from each statement, helping you to quickly understand the financial health of Credicorp.
Income Statement
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 | December 31, 2019 | December 31, 2018 | December 31, 2017 | December 31, 2016 | December 31, 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $18.20B | $19.54B | $16.71B | $14.43B | $13.60B | $14.66B | $13.56B | $13.42B | $12.45B | $11.85B |
| Cost of Revenue | $- | $- | $637.66M | $- | $- | $- | $68.09M | $63.91M | $- | $- |
| Gross Profit | $18.20B | $19.54B | $16.07B | $14.43B | $13.60B | $14.66B | $13.49B | $13.36B | $12.45B | $11.85B |
| Gross Profit Ratio | 100.00% | 100.00% | 96.18% | 100.00% | 100.00% | 100.00% | 99.50% | 99.52% | 100.00% | 100.00% |
| Research and Development Expenses | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| General and Administrative Expenses | $2.75B | $6.68B | $5.96B | $7.80B | $6.39B | $5.09B | $4.74B | $4.54B | $4.32B | $4.87B |
| Selling and Marketing Expenses | $770.97M | $720.72M | $653.43M | $486.88M | $349.75M | $- | $19.89M | $- | $877.90M | $222.63M |
| Selling General and Administrative Expenses | $9.04B | $7.40B | $6.62B | $8.28B | $6.74B | $5.09B | $4.75B | $4.54B | $4.32B | $5.02B |
| Other Expenses | $- | $5.29B | $- | $- | $-6.74B | $3.59B | $3.23B | $3.30B | $3.24B | $2.51B |
| Operating Expenses | $9.04B | $12.69B | $7.54B | $6.89B | $5.98B | $8.68B | $7.96B | $7.85B | $5.14B | $4.92B |
| Cost and Expenses | $9.04B | $12.69B | $7.54B | $6.89B | $5.98B | $8.68B | $7.96B | $5.12B | $7.56B | $7.54B |
| Interest Income | $- | $18.75B | $14.98B | $11.81B | $11.52B | $12.36B | $11.50B | $10.98B | $10.72B | $9.73B |
| Interest Expense | $- | $5.86B | $3.49B | $2.49B | $2.98B | $3.29B | $3.03B | $2.96B | $2.91B | $2.53B |
| Depreciation and Amortization | $- | $667.12M | $643.60M | $690.56M | $676.93M | $639.07M | $436.53M | $426.42M | $411.43M | $400.91M |
| EBITDA | $- | $7.52B | $- | $- | $- | $6.60B | $6.03B | $6.00B | $5.30B | $4.76B |
| EBITDA Ratio | 0.00% | 38.47% | 0.00% | 0.00% | 0.00% | 45.02% | 44.48% | 44.72% | 42.58% | 40.20% |
| Operating Income | $9.16B | $6.85B | $6.96B | $5.25B | $- | $5.98B | $5.59B | $5.57B | $4.89B | $4.36B |
| Operating Income Ratio | 50.35% | 35.06% | 41.64% | 36.34% | 0.00% | 40.77% | 41.26% | 41.54% | 39.28% | 36.81% |
| Total Other Income Expenses Net | $-1.34B | $- | $-84.80M | $87.25M | $224.16M | $- | $- | $- | $- | $- |
| Income Before Tax | $7.82B | $6.85B | $6.87B | $5.33B | $224.16M | $5.98B | $5.59B | $5.57B | $4.89B | $4.36B |
| Income Before Tax Ratio | 42.99% | 35.06% | 41.13% | 36.95% | 1.65% | 40.77% | 41.26% | 41.54% | 39.28% | 36.81% |
| Income Tax Expense | $2.20B | $1.89B | $2.11B | $1.66B | $-109.98M | $1.62B | $1.52B | $1.39B | $1.28B | $1.20B |
| Net Income | $5.50B | $4.87B | $4.65B | $3.58B | $346.89M | $4.27B | $3.98B | $4.09B | $3.51B | $3.09B |
| Net Income Ratio | 30.23% | 24.91% | 27.82% | 24.83% | 2.55% | 29.10% | 29.39% | 30.49% | 28.22% | 26.11% |
| EPS | $69.09 | $61.08 | $58.26 | $45.09 | $4.37 | $53.53 | $50.13 | $51.49 | $44.23 | $38.91 |
| EPS Diluted | $69.09 | $61.08 | $58.13 | $44.99 | $4.36 | $53.53 | $49.99 | $51.35 | $44.15 | $38.84 |
| Weighted Average Shares Outstanding | 79.62M | 79.48M | 79.53M | 79.49M | 79.41M | 79.49M | 79.69M | 79.68M | 79.61M | 79.62M |
| Weighted Average Shares Outstanding Diluted | 79.62M | 79.66M | 79.53M | 79.68M | 79.62M | 79.68M | 79.69M | 79.69M | 79.61M | 79.61M |
| SEC Filing | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source |
Balance Sheet
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 | December 31, 2019 | December 31, 2018 | December 31, 2017 | December 31, 2016 | December 31, 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and Cash Equivalents | $20.07B | $33.85B | $34.07B | $39.32B | $36.73B | $25.96B | $22.14B | $23.21B | $16.63B | $22.04B |
| Short Term Investments | $- | $32.77B | $29.68B | $34.44B | $42.75B | $25.51B | $23.06B | $28.90B | $23.00B | $22.04B |
| Cash and Short Term Investments | $20.07B | $66.62B | $64.97B | $73.73B | $79.48B | $51.47B | $45.20B | $47.63B | $35.32B | $44.08B |
| Net Receivables | $- | $12.50B | $- | $12.12B | $10.09B | $10.73B | $2.87B | $2.51B | $2.07B | $2.60B |
| Inventory | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Current Assets | $- | $348.58M | $186.37M | $436.96M | $303.84M | $191.50M | $389.03M | $301.86M | $357.15M | $220.67M |
| Total Current Assets | $20.07B | $79.47B | $65.16B | $87.03B | $90.48B | $62.39B | $49.12B | $50.86B | $42.05B | $46.90B |
| Property Plant Equipment Net | $1.84B | $1.96B | $1.90B | $1.90B | $2.17B | $2.25B | $1.60B | $1.51B | $1.55B | $1.85B |
| Goodwill | $722.36M | $798.48M | $772.21M | $796.86M | $820.90M | $865.82M | $591.33M | $635.98M | $636.15M | $631.43M |
| Intangible Assets | $2.57B | $2.43B | $2.13B | $1.91B | $1.82B | $1.67B | $1.46B | $1.34B | $1.32B | $1.27B |
| Goodwill and Intangible Assets | $3.29B | $3.23B | $2.90B | $2.71B | $2.64B | $2.53B | $2.06B | $1.98B | $1.96B | $1.90B |
| Long Term Investments | $- | $150.02B | $42.28B | $45.77B | $52.88B | $34.78B | $116.63B | $106.13B | $101.32B | $95.81B |
| Tax Assets | $- | $1.18B | $1.13B | $- | $-90.15M | $520.85M | $463.72M | $480.06M | $506.04M | $524.62M |
| Other Non-Current Assets | $230.89B | $2.26B | $3.45B | $199.52B | $218.38B | $85.38B | $7.40B | $5.45B | $9.05B | $8.49B |
| Total Non-Current Assets | $236.02B | $158.65B | $51.65B | $249.89B | $276.07B | $125.47B | $128.15B | $115.55B | $114.38B | $108.58B |
| Other Assets | $- | $719.72M | $118.61B | $-93.47B | $-129.15B | $- | $- | $4.07B | $- | $- |
| Total Assets | $256.09B | $238.84B | $235.41B | $243.44B | $237.41B | $187.86B | $177.26B | $170.47B | $156.44B | $155.48B |
| Account Payables | $- | $4.02B | $3.28B | $2.93B | $1.93B | $1.85B | $1.73B | $2.07B | $1.70B | $1.54B |
| Short Term Debt | $- | $- | $- | $- | $- | $7.68B | $9.42B | $13.42B | $15.13B | $14.60B |
| Tax Payables | $- | $727.05M | $1.06B | $337.51M | $293.87M | $644.80M | $677.23M | $480.78M | $286.50M | $415.50M |
| Deferred Revenue | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Current Liabilities | $2.62B | $1.40B | $1.57B | $1.15B | $2.08B | $112.62B | $104.96B | $97.89B | $86.52B | $88.84B |
| Total Current Liabilities | $2.62B | $6.15B | $5.91B | $4.43B | $4.30B | $122.79B | $116.77B | $113.86B | $103.64B | $105.40B |
| Long Term Debt | $22.63B | $26.76B | $26.01B | $25.69B | $22.91B | $24.44B | $23.72B | $23.66B | $23.24B | $23.86B |
| Deferred Revenue Non-Current | $- | $- | $- | $- | $- | $-134.20M | $- | $- | $- | $- |
| Deferred Tax Liabilities Non-Current | $- | $- | $- | $- | $- | $134.20M | $108.60M | $- | $- | $138.89M |
| Other Non-Current Liabilities | $195.87B | $176.46B | $171.70B | $169.34B | $164.19B | $13.75B | $12.40B | $10.71B | $9.44B | $9.35B |
| Total Non-Current Liabilities | $218.50B | $203.22B | $197.71B | $195.03B | $187.10B | $38.32B | $36.22B | $34.36B | $32.68B | $33.35B |
| Other Liabilities | $- | $-3.64B | $2.20B | $17.16B | $20.56B | $- | $- | $- | $- | $- |
| Total Liabilities | $221.11B | $205.73B | $205.82B | $216.61B | $211.96B | $161.11B | $153.00B | $148.22B | $136.32B | $138.75B |
| Preferred Stock | $- | $- | $1 | $204.91M | $- | $- | $- | $- | $- | $1.00K |
| Common Stock | $1.32B | $1.32B | $1.32B | $1.32B | $1.32B | $1.32B | $1.32B | $1.32B | $1.32B | $1.32B |
| Retained Earnings | $5.64B | $4.57B | $4.28B | $3.18B | $347.15M | $4.37B | $4.18B | $4.27B | $3.52B | $3.09B |
| Accumulated Other Comprehensive Income Loss | $27.42B | $- | $-650.12M | $235.90M | $1.87B | $1.09B | $708.45M | $1.46B | $1.21B | $762.70M |
| Other Total Stockholders Equity | $-32.57M | $26.57B | $24.06B | $21.76B | $21.41B | $19.46B | $17.64B | $14.71B | $13.61B | $10.96B |
| Total Stockholders Equity | $34.35B | $32.46B | $29.00B | $26.50B | $24.95B | $26.24B | $23.84B | $21.76B | $19.66B | $16.13B |
| Total Equity | $34.98B | $33.11B | $29.60B | $27.04B | $25.45B | $26.75B | $24.27B | $22.25B | $20.12B | $16.73B |
| Total Liabilities and Stockholders Equity | $256.09B | $238.84B | $235.41B | $243.44B | $237.41B | $187.86B | $177.26B | $170.47B | $156.44B | $155.48B |
| Minority Interest | $630.78M | $647.06M | $591.57M | $540.67M | $499.78M | $508.35M | $426.83M | $497.14M | $460.38M | $599.55M |
| Total Liabilities and Total Equity | $256.09B | $238.84B | $235.41B | $243.44B | $237.41B | $187.86B | $177.26B | $170.47B | $156.44B | $155.48B |
| Total Investments | $- | $80.01B | $71.95B | $80.21B | $95.62B | $60.98B | $140.35B | $135.03B | $124.31B | $117.85B |
| Total Debt | $22.63B | $26.76B | $26.01B | $25.69B | $22.91B | $32.12B | $33.13B | $37.07B | $38.37B | $38.46B |
| Net Debt | $2.56B | $-7.09B | $-8.06B | $-13.63B | $-13.82B | $6.16B | $10.99B | $13.86B | $21.74B | $16.41B |
Cash Flow Statement
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 | December 31, 2019 | December 31, 2018 | December 31, 2017 | December 31, 2016 | December 31, 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $5.50B | $4.87B | $4.76B | $3.67B | $346.89M | $4.35B | $4.07B | $4.18B | $3.61B | $3.16B |
| Depreciation and Amortization | $722.57M | $667.12M | $690.61M | $690.56M | $676.93M | $639.07M | $436.53M | $426.42M | $411.43M | $400.91M |
| Deferred Income Tax | $- | $-76.09M | $113.06M | $547.39M | $-1.15B | $-52.44M | $91.10M | $-3.56M | $28.23M | $-117.19M |
| Stock Based Compensation | $104.85M | $83.33M | $81.68M | $74.00M | $104.50M | $120.06M | $106.86M | $104.17M | $94.87M | $-73.15M |
| Change in Working Capital | $-5.24B | $-3.21B | $-8.55B | $-2.09B | $7.14B | $797.62M | $-6.02B | $4.02B | $-6.64B | $-6.17B |
| Accounts Receivables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Inventory | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Accounts Payables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Working Capital | $-5.24B | $-3.21B | $-8.55B | $-2.09B | $7.14B | $797.62M | $-6.02B | $4.02B | $-6.64B | $-6.17B |
| Other Non Cash Items | $148.09M | $1.75B | $1.76B | $1.07B | $5.56B | $1.08B | $1.06B | $569.43M | $1.04B | $1.44B |
| Net Cash Provided by Operating Activities | $1.24B | $4.08B | $-1.15B | $3.97B | $12.69B | $6.93B | $-251.57M | $9.30B | $-1.46B | $-1.36B |
| Investments in Property Plant and Equipment | $-310.14M | $-322.37M | $-192.70M | $-107.79M | $-98.12M | $-134.78M | $-181.46M | $-143.85M | $-110.15M | $-491.23M |
| Acquisitions Net | $- | $-5.56M | $- | $- | $- | $-375.95M | $- | $- | $- | $- |
| Purchases of Investments | $- | $-1.36B | $-1.12B | $-3.68B | $-2.84B | $-1.69B | $- | $- | $-1.55B | $-1.14B |
| Sales Maturities of Investments | $- | $1.25B | $1.01B | $590.61M | $1.60B | $3.26B | $295.99M | $670.62M | $- | $- |
| Other Investing Activities | $837.70M | $-813.32M | $-785.79M | $-532.86M | $-537.49M | $-330.95M | $-348.62M | $-121.10M | $-318.49M | $44.52M |
| Net Cash Used for Investing Activities | $527.56M | $-1.26B | $-1.09B | $-3.73B | $-1.87B | $726.21M | $-234.09M | $405.67M | $-1.98B | $-1.58B |
| Debt Repayment | $2.13B | $-95.34M | $-251.23M | $28.02M | $520.85M | $-1.12B | $- | $-40.05M | $-401.26M | $666.80M |
| Common Stock Issued | $- | $- | $9.95M | $3.75M | $62.00K | $- | $- | $- | $- | $- |
| Common Stock Repurchased | $-110.89M | $-85.58M | $-83.61M | $-58.91M | $-151.96M | $-103.22M | $-95.41M | $-71.01M | $-66.53M | $-72.97M |
| Dividends Paid | $-3.66B | $-1.99B | $-1.20B | $-398.81M | $-2.39B | $-2.23B | $-1.13B | $-2.23B | $-653.33M | $-539.99M |
| Other Financing Activities | $13.12B | $-89.40M | $-79.51M | $-39.35M | $-64.57M | $-90.41M | $-174.47M | $- | $-489.87M | $46.85M |
| Net Cash Used Provided by Financing Activities | $11.48B | $-2.26B | $-1.60B | $-465.30M | $-2.09B | $-3.55B | $-1.40B | $-2.34B | $-1.61B | $100.70M |
| Effect of Forex Changes on Cash | $410.26M | $-760.65M | $-1.33B | $2.78B | $2.03B | $-294.87M | $704.97M | $-784.68M | $-454.12M | $3.20B |
| Net Change in Cash | $13.65B | $-200.35M | $-5.17B | $2.56B | $10.76B | $3.81B | $-1.05B | $6.58B | $-5.41B | $355.40M |
| Cash at End of Period | $47.57B | $33.92B | $34.12B | $39.29B | $36.73B | $25.97B | $22.16B | $23.21B | $16.63B | $22.04B |
| Cash at Beginning of Period | $33.92B | $34.12B | $39.29B | $36.73B | $25.97B | $22.16B | $23.21B | $16.63B | $22.04B | $21.69B |
| Operating Cash Flow | $1.24B | $4.08B | $-1.15B | $3.97B | $12.69B | $6.93B | $-251.57M | $9.30B | $-1.37B | $-1.36B |
| Capital Expenditure | $-310.14M | $-1.15B | $-896.37M | $-640.03M | $-98.12M | $-506.73M | $-601.25M | $-143.85M | $-387.50M | $-148.43M |
| Free Cash Flow | $925.50M | $2.93B | $-2.03B | $3.33B | $12.05B | $6.43B | $-852.82M | $8.89B | $-1.76B | $-1.74B |