Discounted Cash Flow
Credicorp Ltd. Foreign
—
Audit / VIE / HFCA: Financial-sector DCF: free cash flow for lenders/insurers includes loan principal and deposits, so FCF ≈ 5-10× net income and is not a valuation proxy; the model shows moderate/unstable predictability and the DCF can be 5-40× market cap (lender pattern).
Sourced live via DEF 14A beneficial_ownership (edgartools proxy) for US filers and 20-F risk_factors (“controls X% of voting power” + VIE/HFCA) for foreign ADRs — cached 12h. A concentrated holder can overrule the DCF’s minority-basis assumptions on dividends, issuance, and delisting.
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $5.0b | $1.0b | $-427.8m | 21.0% | $44.23 |
| 2017 | $5.3b (5.8%) | $1.2b (16.4%) | $2.8b (743.6%) | 23.1% (10.1%) | $51.49 (16.4%) |
| 2018 | $5.4b (2.4%) | $1.2b (-2.6%) | $-51.1m (-101.9%) | 21.9% (-4.9%) | $50.13 (-2.6%) |
| 2019 | $5.9b (8.5%) | $1.3b (7.1%) | $2.1b (4124.0%) | 21.7% (-1.3%) | $53.66 (7.0%) |
| 2020 | $5.5b (-6.7%) | $103.5m (-91.9%) | $103.5m (-95.0%) | 1.9% (-91.3%) | $4.37 (-91.9%) |
| 2021 | $5.8b (5.8%) | $1.1b (933.3%) | $1.2b (1041.8%) | 18.4% (876.6%) | $45.09 (931.8%) |
| 2022 | $6.9b (18.2%) | $1.4b (29.3%) | $-610.8m (-151.7%) | 20.2% (9.3%) | $58.26 (29.2%) |
| 2023 | $7.7b (11.6%) | $1.5b (5.0%) | $873.5m (243.0%) | 19.0% (-5.9%) | $61.22 (5.1%) |
| 2024 | $8.2b (7.0%) | $1.6b (13.1%) | $4.0b (357.9%) | 20.0% (5.6%) | $69.24 (13.1%) |
| 2025 | $7.2b (-12.7%) | $2.1b (25.9%) | $2.2b (-45.3%) | 28.9% (44.2%) | $87.25 (26.0%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in PEN. Values above are converted to USD for comparison with the US-listed share price.
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Net debt deduction: —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.