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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 0.9x - 1.0x | 1.0x |
| Historical Pb Multiple | 0.7x - 2.4x | 1.3x |
| Fair Value | S/. 12.92 - S/. 14.28 | S/. 13.60 |
| Upside | 17.5% - 29.9% | 23.7% |
| Benchmarks | - | Full Ticker |
| Banco Pichincha S.A. | - | BVL:BPICHC1 |
| Mibanco Banco de la Microempresa S.A. | - | BVL:MIBANC1 |
| Alfin Banco S.A. | - | BVL:ALFINAC1 |
| Caja Rural de Ahorro y Crédito Los Andes S.A. | - | BVL:CRANDEC1 |
| Banco de Crédito del Perú S.A. | - | BVL:CREDITC1 |
| Scotiabank Perú S.A.A. | - | BVL:SCOTIAC1 |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| BPICHC1 | MIBANC1 | ALFINAC1 | CRANDEC1 | CREDITC1 | SCOTIAC1 | |||
| BVL:BPICHC1 | BVL:MIBANC1 | BVL:ALFINAC1 | BVL:CRANDEC1 | BVL:CREDITC1 | BVL:SCOTIAC1 | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | NM- | -4.5% | NM- | NM- | 7.5% | -8.1% | ||
| 3Y CAGR | NM- | 20.3% | NM- | NM- | 19.7% | -2.6% | ||
| Latest Twelve Months | 81.6% | 20.3% | 544.8% | -330.7% | 19.9% | 66.4% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | -12.4% | 14.5% | -1027.9% | -18.2% | 30.8% | 27.6% | ||
| Prior Fiscal Year | 0.2% | 18.1% | 0.2% | 1.2% | 35.6% | 27.6% | ||
| Latest Fiscal Year | -47.9% | 19.2% | 0.9% | -5.1% | 35.6% | 31.0% | ||
| Latest Twelve Months | -3.7% | 20.0% | 1.8% | -4.9% | 36.1% | 36.8% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | -3.1% | 9.6% | -60.7% | -7.1% | 17.2% | 8.5% | ||
| Prior Fiscal Year | 0.1% | 9.7% | 0.2% | 1.3% | 20.2% | 7.1% | ||
| Latest Twelve Months | -0.6% | 14.2% | 2.1% | -4.6% | 25.5% | 10.6% | ||
| Next Fiscal Year | #NUM! | #NUM! | #NUM! | #NUM! | #NUM! | #NUM! | ||
| Two Fiscal Years Forward | -5.3% | 19.7% | 1.1% | -4.3% | 26.5% | 8.9% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 1.3x | 1.8x | 0.4x | 1.6x | 4.2x | 2.8x | ||
| Price / LTM EPS | -34.9x | 9.0x | 21.9x | -33.4x | 11.5x | 7.6x | ||
| Price / Book | 0.2x | 1.3x | 0.5x | 1.3x | 2.9x | 0.8x | ||
| Price / Fwd Book | 0.2x | 1.6x | 0.5x | 1.3x | 3.0x | 0.8x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.2x | 1.3x | 2.9x | |||||
| Historical P/B Ratio | 0.7x | 1.3x | 2.4x | |||||
| Selected P/B Multiple | 0.9x | 1.0x | 1.0x | |||||
| (x) Book Value | 11,556 | 11,556 | 11,556 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | BPICHC1 | MIBANC1 | ALFINAC1 | CRANDEC1 | CREDITC1 | SCOTIAC1 | |
| Value of Common Equity | 254 | 3,074 | 55 | 146 | 63,569 | 9,049 | |
| (/) Shares Outstanding | 1,268.6 | 1,840.6 | 272.2 | 110.2 | 12,973.2 | 822.7 | |
| Implied Stock Price | 0.20 | 1.67 | 0.20 | 1.32 | 4.90 | 11.00 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 0.20 | 1.67 | 0.20 | 1.32 | 4.90 | 11.00 | |
| Trading Currency | PEN | PEN | PEN | PEN | PEN | PEN | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |