B+
Bull case
20%
Probability
Target price
$4.20
Analysis reference price unavailable
Analysis 2025-10-02 · RankAlpha Sentiment AI
BAP
CredicorpFNYSE / Banks
Last Price
Quote time unavailable
Current thesis
Improved Peruvian economic activity, stable FX, and better-than-expected loan performance drive re-rating; higher fee income from insurance/wealth businesses supports upside.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta 0.0.
What can break
Deterioration in asset quality (NPLs)
Momentum
46
Value
51
Sentiment
24
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $3.53 · Bull $4.20 · Bear $2.69Analysis 2025-10-02; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2025-10-02 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade F · Defensive
Confidence Medium · Net Neutral
Target $447.92
Why
Momentum46 · Δ7d +3.3
Value51 · Δ7d -0.0
Sentiment24 · Δ7d 0.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta 0.0.
Contradictions & invalidation
- • Deterioration in asset quality (NPLs)
- • Peru macro slowdown reducing loan growth
- • Macro slowdown in Peru, currency weakness, or rising NPLs force increased provisions and compress margins, leading to downside to ADR levels.
Catalyst clock
No dated catalyst is available.
Lead driver: Sentiment · See AI snapshot
Momentum
46
9% active weight
Current posture
7d trendImproving
Δ7d
+3.3
Δ21d
-4.6
Value
51
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
24
62% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
0.0
Why this grade
Composite grade F. Momentum 45.9 / Value 51.2 / Sentiment 24.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2025-10-02. Scenario method
Most likely
B
Base case
60%
Probability
Target price
$3.53
Analysis reference price unavailable
Analysis 2025-10-02 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$2.69
Analysis reference price unavailable
Analysis 2025-10-02 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$30.09B
Beta
1.32
Shares Out
79.53M
P/E (TTM)
12.1
P/S (TTM)
3.22
P/FCF (TTM)
6.01
Rev YoY
+17.7%
EPS YoY
+15.9%
Gross Margin
-
Op Margin
+33.7%
Net Debt
-$2.74B
Current Ratio
0.37
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data