Credicorp Beats Q4 With $468.8M Profit, Projects 8.5% Loan Growth
Credicorp Ltd posted Q4 net profit of $468.8 million ($5.88 EPS) on revenue of $2.18 billion (net $1.8B after interest), and full-year net profit of $1.94 billion ($24.35 per share) on $6.55 billion revenue. Management forecasts 8.5% loan growth with stable net interest margins in the mid-to-high 6% range.
1. Q4 Results
Credicorp reported fourth-quarter net income of $468.8 million, equating to $5.88 in earnings per share, on total revenue of $2.18 billion. After interest expenses, net revenue stood at $1.8 billion, driven by strong retail loan momentum at its BCP unit.
2. Full-Year Performance
For the full year 2025, the company generated $6.55 billion in revenue and delivered net profit of $1.94 billion, or $24.35 per share. Those results reflect sustained growth across its universal banking, insurance, and pension segments in Latin America.
3. Guidance and Strategic Priorities
Management projects loan growth of 8.5% for 2026 and expects net interest margins to remain in the mid-to-high 6% range. The strategic focus remains on scaling and monetizing its digital ecosystem, expanding financial inclusion, and accelerating new revenue streams.