信迪科金融集团 BAP
$347.93 −$0.06 (-0.02%)
休市 · Nov 7, 9:10 am ET · 最新盘后价 $347.93 0.00%
开盘$348.04
昨收$347.99
当日区间$343.02 – $358.15
成交量363.0K
市值$27.63B
市盈率（TTM）12.9
股息率4.22%
基本面
最新报告季度：Q2, ended Jun 2026 · 报告货币为PEN
营收PEN 6.86B+12.3% YoY
净利润PEN 2.03B+8.6% YoY
摊薄每股收益PEN 25.00+9.2% YoY
自由现金流PEN 3.16B+230.0% YoY
经营现金流PEN 3.25B
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率28.8%
净资产收益率20.3%
资产收益率2.8%
负债/资产比率86.3%
现金及投资PEN 48.57B
总负债PEN 26.54B
净现金（净负债）PEN 22.03B
营收构成
2025/FY 季度
按业务线
按地区
该公司以本国货币报告财务数据，并非美元。以下数字均标注了实际货币单位，未自动换算。
利润表
| 项目 | 2026 Q2 (PEN) |
2026 Q1 (PEN) |
2025 ANNUAL (PEN) |
2025 Q4 (PEN) |
2025 Q3 (PEN) |
|---|---|---|---|---|---|
| 营业总收入 | PEN 6.86B | PEN 6.23B | PEN 23.99B | PEN 6.08B | PEN 6.15B |
| 净利息收入 | PEN 4.07B | PEN 3.95B | PEN 14.91B | PEN 4.10B | PEN 3.67B |
| -利息收入 | PEN 5.39B | PEN 5.20B | PEN 19.84B | PEN 5.11B | PEN 4.97B |
| -利息支出 | PEN 1.32B | PEN 1.25B | PEN 4.93B | PEN 1.00B | PEN 1.30B |
| 非利息收入 | PEN 2.79B | PEN 2.29B | PEN 9.07B | PEN 1.98B | PEN 2.48B |
| -已赚保费合计 | PEN 288.01M | PEN 422.90M | PEN 1.39B | PEN 320.84M | PEN 388.35M |
| -手续费及佣金 | PEN 1.19B | PEN 1.15B | PEN 4.09B | PEN 1.01B | PEN 1.06B |
| -股息收入 | PEN 24.89M | PEN 16.99M | PEN 87.28M | PEN 20.06M | PEN 19.18M |
| -外汇交易收益 | PEN 533.64M | PEN 457.44M | PEN 1.58B | PEN 435.24M | PEN 402.09M |
| -其他非利息收入 | PEN 521.02M | PEN 77.20M | PEN 1.51B | PEN 82.23M | PEN 493.02M |
| -资产出售损益 | PEN 234.15M | PEN 163.10M | PEN 414.03M | PEN 110.87M | PEN 112.22M |
| 信用损失准备 | -PEN 731.21M | -PEN 482.09M | -PEN 2.67B | -PEN 912.92M | -PEN 602.92M |
| 非利息支出 | PEN 3.30B | PEN 2.84B | PEN 11.37B | PEN 2.78B | PEN 3.04B |
| 专业及外包服务费用 | PEN 114.30M | PEN 111.90M | PEN 448.93M | PEN 83.62M | PEN 147.98M |
| 销售及管理费用 | PEN 2.38B | PEN 2.30B | PEN 8.71B | PEN 2.54B | PEN 2.13B |
| -销售及营销费用 | PEN 130.56M | PEN 122.99M | PEN 514.43M | PEN 183.50M | PEN 133.51M |
| -管理费用 | PEN 2.25B | PEN 2.18B | PEN 8.20B | PEN 2.35B | PEN 1.99B |
| 折旧、摊销与折耗 | PEN 235.20M | PEN 241.37M | PEN 893.14M | PEN 256.91M | PEN 219.80M |
| -折旧与摊销 | PEN 235.20M | PEN 241.37M | PEN 893.14M | PEN 256.91M | PEN 219.80M |
| 其他非利息支出 | PEN 573.98M | PEN 188.37M | PEN 1.31B | PEN 17.35M | PEN 503.30M |
| 其他收入（支出） | PEN 9.15M | PEN 9.12M | PEN 1.04M | PEN 5.47M | PEN 5.13M |
| 联营企业及其他参股权益收益 | PEN 6.00M | PEN 9.12M | PEN 34.05M | PEN 5.47M | PEN 5.13M |
| 特殊收益（费用） | PEN 3.15M | PEN 0.00 | -PEN 33.01M | – | – |
| -减：资本性资产减值 | PEN 0.00 | PEN 0.00 | PEN 0.00 | – | – |
| -减：其他特殊支出 | -PEN 3.15M | – | PEN 41.70M | – | – |
| 税前利润 | PEN 2.84B | PEN 2.92B | PEN 9.95B | PEN 2.36B | PEN 2.51B |
| 税费 | PEN 814.36M | PEN 808.89M | PEN 2.86B | PEN 735.15M | PEN 728.31M |
| 净利润 | PEN 2.03B | PEN 2.11B | PEN 7.08B | PEN 1.62B | PEN 1.78B |
| 持续经营利润 | PEN 2.03B | PEN 2.11B | PEN 7.08B | PEN 1.62B | PEN 1.78B |
| 少数股东权益 | PEN 43.66M | PEN 46.96M | PEN 157.28M | PEN 37.88M | PEN 39.80M |
| 归属母公司净利润 | PEN 1.98B | PEN 2.06B | PEN 6.93B | PEN 1.59B | PEN 1.74B |
| 归属普通股股东净利润 | PEN 1.98B | PEN 2.06B | PEN 6.93B | PEN 1.59B | PEN 1.74B |
| 基本每股收益 | PEN 25.00 | PEN 25.97 | PEN 87.25 | PEN 20.00 | PEN 21.91 |
| 摊薄每股收益 | PEN 25.00 | PEN 25.97 | PEN 87.08 | PEN 20.00 | PEN 21.91 |
| 每股股息 | PEN 50.00 | PEN 0.00 | PEN 40.89 | PEN 0.00 | PEN 0.00 |
| -减：重组及并购费用 | – | – | PEN 226.80M | – | – |
| -Gain on Sale of Business | – | – | PEN 235.49M | – | – |
| 物业及设备费用 | – | – | – | – | PEN 43.72M |
资产负债表
| 项目 | 2026 Q2 (PEN) |
2026 Q1 (PEN) |
2025 ANNUAL (PEN) |
2025 Q4 (PEN) |
2025 Q3 (PEN) |
|---|---|---|---|---|---|
| 总资产 | PEN 282.83B | PEN 278.51B | PEN 267.36B | PEN 267.36B | PEN 255.30B |
| 现金、现金等价物及联邦基金出售 | PEN 49.76B | PEN 52.90B | PEN 51.63B | PEN 51.63B | PEN 46.50B |
| -现金及现金等价物 | PEN 48.57B | PEN 50.69B | PEN 48.92B | PEN 48.92B | PEN 43.10B |
| -受限现金及投资 | PEN 1.19B | PEN 2.21B | PEN 1.31B | PEN 1.31B | PEN 3.40B |
| 证券投资 | PEN 59.59B | PEN 58.50B | PEN 49.61B | PEN 49.61B | PEN 52.14B |
| -可供出售证券 | PEN 16.21B | PEN 14.89B | PEN 16.57B | PEN 16.57B | PEN 14.14B |
| -短期投资 | PEN 43.38B | PEN 43.60B | PEN 33.04B | PEN 33.04B | PEN 38.01B |
| 长期股权投资 | PEN 59.98M | PEN 65.89M | PEN 65.34M | PEN 65.34M | PEN 52.39M |
| 贷款净额 | PEN 151.86B | PEN 145.40B | PEN 131.84B | PEN 131.84B | PEN 137.08B |
| -贷款总额 | PEN 159.43B | PEN 152.82B | PEN 139.51B | PEN 139.51B | PEN 144.75B |
| -贷款及租赁损失准备 | PEN 7.58B | PEN 7.43B | PEN 7.67B | PEN 7.67B | PEN 7.67B |
| 固定资产净值 | PEN 2.60B | PEN 2.66B | PEN 2.93B | PEN 2.93B | PEN 2.73B |
| 商誉及其他无形资产 | PEN 4.84B | PEN 4.73B | PEN 4.76B | PEN 4.76B | PEN 4.60B |
| 承兑汇票 | PEN 581.70M | PEN 608.31M | PEN 345.91M | PEN 345.91M | PEN 553.56M |
| 其他资产 | PEN 13.54B | PEN 13.66B | PEN 8.03B | PEN 8.03B | PEN 11.65B |
| 负债合计 | PEN 244.03B | PEN 237.87B | PEN 228.27B | PEN 228.27B | PEN 218.04B |
| 存款合计 | PEN 181.24B | PEN 177.71B | PEN 169.40B | PEN 169.40B | PEN 157.58B |
| 联邦基金购入及回购协议下证券出售 | PEN 8.38B | PEN 5.87B | PEN 8.24B | PEN 8.24B | PEN 10.18B |
| 交易性负债 | PEN 937.84M | PEN 1.45B | PEN 1.06B | PEN 1.06B | PEN 928.81M |
| 应付款 | PEN 882.22M | PEN 918.18M | PEN 6.20B | PEN 6.20B | PEN 847.01M |
| -应付账款 | PEN 882.22M | PEN 918.18M | PEN 3.68B | PEN 3.68B | PEN 847.01M |
| 长期债务及融资租赁负债 | PEN 26.54B | PEN 24.96B | PEN 23.43B | PEN 23.43B | PEN 23.45B |
| -长期债务 | PEN 26.54B | PEN 24.96B | PEN 22.82B | PEN 22.82B | PEN 23.45B |
| 其他负债 | PEN 26.05B | PEN 26.95B | PEN 14.94B | PEN 14.94B | PEN 25.05B |
| 股东权益合计 | PEN 38.80B | PEN 40.65B | PEN 39.10B | PEN 39.10B | PEN 37.26B |
| 股东权益 | PEN 38.12B | PEN 40.02B | PEN 38.37B | PEN 38.37B | PEN 36.56B |
| 股本 | PEN 1.32B | PEN 1.32B | PEN 1.32B | PEN 1.32B | PEN 1.32B |
| -普通股 | PEN 1.32B | PEN 1.32B | PEN 1.32B | PEN 1.32B | PEN 1.32B |
| 资本公积 | PEN 86.15M | PEN 112.19M | PEN 148.73M | PEN 148.73M | PEN 139.53M |
| 留存收益 | PEN 4.08B | PEN 2.10B | PEN 6.92B | PEN 6.92B | PEN 5.33B |
| 减：库存股 | PEN 209.11M | PEN 208.70M | PEN 209.85M | PEN 209.85M | PEN 209.85M |
| 不影响留存收益的损益 | PEN 32.84B | PEN 36.69B | PEN 30.19B | PEN 30.19B | PEN 29.98B |
| 少数股东权益 | PEN 679.93M | PEN 629.69M | PEN 729.16M | PEN 729.16M | PEN 695.27M |
| -货币市场投资 | – | – | PEN 1.40B | PEN 1.40B | – |
| 衍生资产 | – | – | PEN 1.23B | PEN 1.23B | – |
| 应收款 | – | – | PEN 14.60B | PEN 14.60B | – |
| -应收账款 | – | – | PEN 2.93B | PEN 2.93B | – |
| -应收票据 | – | – | PEN 4.10B | PEN 4.10B | – |
| -其他应收款 | – | – | PEN 7.57B | PEN 7.57B | – |
| -固定资产原值 | – | – | PEN 5.98B | PEN 5.98B | – |
| -累计折旧 | – | – | -PEN 3.05B | -PEN 3.05B | – |
| -商誉 | – | – | PEN 1.25B | PEN 1.25B | – |
| -其他无形资产 | – | – | PEN 3.51B | PEN 3.51B | – |
| 预付资产 | – | – | PEN 119.91M | PEN 119.91M | – |
| 抵债资产 | – | – | PEN 90.29M | PEN 90.29M | – |
| 递延资产 | – | – | PEN 2.10B | PEN 2.10B | – |
| 短期债务及融资租赁负债 | – | – | PEN 1.88B | PEN 1.88B | – |
| -一年内到期债务 | – | – | PEN 1.88B | PEN 1.88B | – |
| -应付税款合计 | – | – | PEN 723.43M | PEN 723.43M | – |
| -应付股利 | – | – | PEN 88.22M | PEN 88.22M | – |
| -其他应付款 | – | – | PEN 1.71B | PEN 1.71B | – |
| 一年内应计费用 | – | – | PEN 1.75B | PEN 1.75B | – |
| -长期融资租赁负债 | – | – | PEN 612.26M | PEN 612.26M | – |
| 非流动负债 | – | – | PEN 996.69M | PEN 996.69M | – |
| 一年以上递延负债 | – | – | PEN 376.94M | PEN 376.94M | – |
现金流量表
| 项目 | 2025 ANNUAL (PEN) |
2024 ANNUAL (PEN) |
2023 ANNUAL (PEN) |
2022 ANNUAL (PEN) |
2021 ANNUAL (PEN) |
|---|---|---|---|---|---|
| 经营活动现金流 | PEN 8.61B | PEN 14.52B | PEN 4.08B | -PEN 1.15B | PEN 3.97B |
| 持续经营经营活动现金流净额 | PEN 8.61B | PEN 14.52B | PEN 4.08B | -PEN 1.15B | PEN 3.97B |
| 持续经营净利润 | PEN 7.08B | PEN 5.62B | PEN 4.96B | PEN 4.76B | PEN 3.67B |
| 持续经营损益 | -PEN 757.65M | -PEN 634.99M | -PEN 562.11M | -PEN 115.70M | -PEN 346.84M |
| 折旧、折耗与摊销 | PEN 901.95M | PEN 722.57M | PEN 667.12M | PEN 643.60M | PEN 690.56M |
| 递延税款 | -PEN 125.72M | -PEN 54.94M | -PEN 76.09M | PEN 113.06M | PEN 547.39M |
| 其他非现金项目 | PEN 157.48M | PEN 528.92M | PEN 327.10M | PEN 16.01M | PEN 935.83M |
| 营运资金变动 | PEN 985.63M | PEN 5.96B | -PEN 3.21B | -PEN 7.70B | -PEN 2.03B |
| -应收款变动 | -PEN 1.58B | PEN 0.00 | PEN 0.00 | – | – |
| -贷款变动 | -PEN 18.21B | -PEN 5.22B | -PEN 6.11B | -PEN 14.72B | -PEN 15.66B |
| -其他流动资产变动 | -PEN 3.30B | -PEN 728.27M | PEN 189.88M | PEN 1.04B | PEN 488.88M |
| -其他流动负债变动 | PEN 5.18B | PEN 2.38B | PEN 2.60B | PEN 3.11B | PEN 1.30B |
| -Change in Other Working Capital | PEN 18.88B | PEN 9.54B | PEN 105.70M | PEN 2.87B | PEN 11.84B |
| 投资活动现金流净额 | -PEN 1.59B | PEN 527.56M | -PEN 1.26B | -PEN 1.09B | -PEN 3.73B |
| 持续经营投资活动现金流净额 | -PEN 1.59B | PEN 527.56M | -PEN 1.26B | -PEN 1.09B | -PEN 3.73B |
| 固定资产购置及出售净额 | -PEN 124.45M | -PEN 211.92M | -PEN 269.22M | -PEN 187.33M | -PEN 96.33M |
| 无形资产购置及出售净额 | -PEN 983.97M | -PEN 801.29M | -PEN 828.80M | -PEN 703.67M | -PEN 532.24M |
| 业务购买及出售净额 | -PEN 727.18M | PEN 0.00 | -PEN 5.56M | PEN 0.00 | PEN 0.00 |
| 投资购置及出售净额 | PEN 424.75M | PEN 1.56B | -PEN 113.81M | -PEN 116.48M | -PEN 3.09B |
| 筹资活动现金流 | -PEN 1.84B | -PEN 1.81B | -PEN 2.26B | -PEN 1.60B | -PEN 465.30M |
| 持续经营筹资活动现金流净额 | -PEN 1.84B | -PEN 1.81B | -PEN 2.26B | -PEN 1.60B | -PEN 465.30M |
| Net Issuance Payments of Debt | PEN 1.64B | PEN 2.13B | -PEN 95.34M | -PEN 251.23M | PEN 28.02M |
| 普通股发行净额 | -PEN 119.25M | -PEN 110.89M | -PEN 85.58M | -PEN 73.66M | -PEN 55.16M |
| 已付现金股利 | -PEN 3.18B | -PEN 3.66B | -PEN 1.99B | -PEN 1.20B | -PEN 398.81M |
| 其他筹资活动净额 | -PEN 138.78M | -PEN 143.56M | -PEN 63.82M | -PEN 54.45M | -PEN 11.98M |
| 期末现金余额 | PEN 48.97B | PEN 47.57B | PEN 33.92B | PEN 34.12B | PEN 39.29B |
| 现金净变动 | PEN 5.18B | PEN 13.24B | PEN 560.30M | -PEN 3.85B | -PEN 220.01M |
| 期初现金余额 | PEN 47.57B | PEN 33.92B | PEN 34.12B | PEN 39.29B | PEN 36.73B |
| 汇率变动影响 | -PEN 3.77B | PEN 410.26M | -PEN 760.65M | -PEN 1.33B | PEN 2.78B |
| 自由现金流 | PEN 7.34B | PEN 13.41B | PEN 2.93B | -PEN 2.05B | PEN 3.33B |
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