公司静默期安排 - 公司将于2025年10月30日开始进入2025年第三季度业绩发布的静默期 此静默期将持续至业绩发布日11月13日 [1] - 在静默期内 公司不会披露任何财务信息 不会对财务业绩发表评论 也不会回应相关问题 [1] - 此举旨在遵守公司信息披露政策 防止财务业绩泄露并确保公平性 [1] 公司业务概况 - 公司是秘鲁领先的金融服务控股公司 业务遍及秘鲁 智利 哥伦比亚 玻利维亚和巴拿马 [2] - 公司拥有多元化的业务组合 主要分为四大业务线：Universal Banking, Microfinance, Insurance & Pension Funds, 以及 Investment Management & Advisory [2] - Universal Banking业务通过Banco de Crédito del Peru和Banco de Crédito de Bolivia运营 Microfinance业务通过Mibanco在秘鲁和哥伦比亚运营 [2] - Insurance & Pension Funds业务通过Grupo Pacifico和Prima AFP运营 Investment Management & Advisory业务通过Credicorp Capital, BCP的财富管理和ASB Bank Corp运营 [2]

文章核心观点 - 文章对Credicorp和Banco Santander-Chile两只外资银行股票进行价值比较，认为Credicorp是当前更优的价值选择 [1][7] Zacks评级分析 - Credicorp的Zacks评级为第1级，而Banco Santander-Chile的评级为第2级，表明Credicorp的盈利预测修正趋势更强劲 [3] - 强劲的Zacks评级结合价值类别的高分可产生最佳回报 [2] 估值指标比较 - Credicorp的远期市盈率为10.82，低于Banco Santander-Chile的11.14 [5] - Credicorp的市盈增长比率为0.70，显著低于Banco Santander-Chile的1.00，表明其估值考虑了更快的盈利增长预期 [5] - Credicorp的市净率为2.14，低于Banco Santander-Chile的2.48 [6] - 基于多项估值指标，Credicorp获得B级价值评分，优于Banco Santander-Chile的C级 [6] 投资价值评估 - 价值投资关注市盈率、市销率、收益收益率和每股现金流等关键指标来判断公司公允价值 [4] - Credicorp目前显示出改善的盈利前景，结合估值优势使其成为更优越的价值选择 [7]

Investor day highlights: transformation, innovation, and strong TSR across cycles. Reiterates aim to achieve sustainable ROE of 19.5% and a C/I ratio near 42% in the next three to four years.Lima, Oct. 10, 2025 (GLOBE NEWSWIRE) -- Lima, Peru, October 10, 2025 – (“Credicorp” or “the Company”) (NYSE: BAP | BVL: BAP), the leading financial services holding company in Peru with a presence in Chile, Colombia, Bolivia, Panama and United States yesterday hosted its 2025 Investor Day in New York, marking the 30th a ...

PresentationMilagros CigüeñasHead of Investor Relations Good morning, everybody, and welcome to our 2025 Credicorp Investor Day and 30-year anniversary of listing in the New York Stock Exchange. Thank you all of you for coming here, and thank you all you that connected through the webcast. Over the next few hours, you will hear about how at Credicorp, we are building a future-oriented ecosystem that is driving innovation, expanding financial inclusion and accelerating growth across cycles. Our management h ...

Credicorp (NYSE:BAP) 2025 Investor Day October 09, 2025 09:00 AM ET Company ParticipantsCésar Ríos - Chief Risk OfficerFrancesca Raffo - Chief Innovation OfficerGianfranco Ferrari - CEORaimundo Morales - Vice ChairmanLuis Romero - Executive ChairmanRaimundo Morales - CEOAlejandro Perez-Reyes - CFOMónica Rivas - Division Manager of Bancassurance and Credicorp EcosystemsMilagros Cigüeñas - Head of Investor RelationsAndre Resende - CTONone - TranslatorGiovanni Terzano - Head of Products, Digital Channels, and ...

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业绩总结 - 2024年，Credicorp的总股东回报率（TSR）年均为14.1%[36] - 2024年，Credicorp的可持续融资发放总额预计将超过15亿美元[71] - 2024年，Bancassurance的保费预计将达到750百万索尔，2030年目标为1567百万索尔，增长幅度为2倍[121] 用户数据 - 过去五年，BCP的数字客户数量增长了350%[69] - 2024年，Credicorp的成人银行账户持有者预计将达到1420万人[30] - 2025年，Yape的月活跃用户数目标为1650万，预计交易量将达到6000亿索尔[106] 市场展望 - 2024年，秘鲁的GDP年均增长率预计为4.2%[18] - 2024年，Credicorp预计将有570万人实现金融包容[30] - 截至2025年6月，金融包容性客户数量达到610万，预计到2028年将增至800万[138][140] 新产品与技术研发 - Credicorp的开发者中有2400人实施了Github Copilot，生产力提高了25-30%[172] - 新的数据输入（如Yape交易和公用事业支付）丰富了信用目标和定价策略[178] - 采用标准化数据和AI工具，使模型的准确性和可扩展性得到提升[177] 风险管理与财务策略 - 风险管理作为Credicorp的“神经中枢”，推动了公司的风险调整盈利能力[184] - 通过端到端的风险与业务团队整合，已经实现了财务价值[192] - 新的投资组合管理能力将帮助减轻意外信用损失，支持扩展[197] 其他关键数据 - 2024年，Credicorp的消费者净推荐值（NPS）提高了17个点[48] - 2024年，Credicorp的数字支付交易量预计将达到2019年的2.5倍[43] - 2025年，Credicorp的贷款客户数量为1880万，Yape活跃用户为350万[145] - BCP的拨备在一年内下降了46%，降至742百万索尔[188] - BCP消费者贷款模型的平均处理时间减少了43%，从28周降至16周[188] - SME数字产品的发放量同比增长80%，达到198百万索尔[188] - 2025年，Credicorp的IT运营支出占运营收入的比例为8.4%，较2019年增加4.4个百分点[155] - 2025年，BCP的数字交易占比预计将达到96%，较2019年提升45个百分点[150] - 2028年，Credicorp的保险渗透率目标为10%，目前为2.2%[97]

文章核心观点 - 金融板块三只股票因相对强弱指数(RSI)超过70 显示超买信号 可能对动量交易策略发出警示 [1][2][7] 个股超买状态 - PagSeguro Digital Ltd (PAGS) RSI达82.4 股价单日涨10.7%至10.74美元 月涨幅约19% 52周高点10.78美元 [3][7] - Galaxy Digital Inc (GLXY) RSI达71.7 股价单日涨3.4%至31.83美元 月涨幅约7% 52周高点33.17美元 [4][7] - Credicorp Ltd (BAP) RSI达82.4 股价单日涨1.9%至270.79美元 月涨幅约7% 52周高点271.99美元 [4][7] 基本面表现 - PagBank第二季度净收入51亿雷亚尔 经常性净收入5.65亿雷亚尔 公司宣布通过股息和股票回购计划为股东提供18%回报率 [7] - Equinox Gold第二季度财务表现超预期 格林斯通矿场采矿率环比增长23% 处理率提高20% 当前季度露天采矿量较第二季度高10% 处理厂吞吐量达日均2.45万吨 [7] 机构行动 - UBS分析师Thiago Batista维持Credicorp买入评级 目标价从257美元上调至318美元 [7]

Investors with an interest in Banks - Foreign stocks have likely encountered both Credicorp (BAP) and Nu Holdings Ltd. (NU) . But which of these two companies is the best option for those looking for undervalued stocks? Let's take a closer look.Everyone has their own methods for finding great value opportunities, but our model includes pairing an impressive grade in the Value category of our Style Scores system with a strong Zacks Rank. The proven Zacks Rank emphasizes companies with positive estimate revis ...

The proven Zacks Rank system focuses on earnings estimates and estimate revisions to find winning stocks. Nevertheless, we know that our readers all have their own perspectives, so we are always looking at the latest trends in value, growth, and momentum to find strong picks.Considering these trends, value investing is clearly one of the most preferred ways to find strong stocks in any type of market. Value investors use fundamental analysis and traditional valuation metrics to find stocks that they believe ...