AIZN vs. BAP: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AIZN and BAP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
BAP’s market capitalization of 18.07 billion USD is significantly greater than AIZN’s 10.23 billion USD, highlighting its more substantial market valuation.
BAP carries a higher beta at 1.02, indicating it’s more sensitive to market moves, while AIZN (beta: 0.60) exhibits greater stability.
| Symbol | AIZN | BAP |
|---|---|---|
| Company Name | Assurant, Inc. 5.25% Subordinat | Credicorp Ltd. |
| Country | US | PE |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Banks - Regional |
| CEO | Keith Warner Demmings | Gianfranco Piero Dario Ferrari de Las Casas |
| Price | 20.64 USD | 227.25 USD |
| Market Cap | 10.23 billion USD | 18.07 billion USD |
| Beta | 0.60 | 1.02 |
| Exchange | NYSE | NYSE |
| IPO Date | November 25, 2020 | October 25, 1995 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AIZN and BAP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AIZN
13.02%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.77%
- Q1
- 7.56%
- Min
- -4.43%
AIZN’s Return on Equity of 13.02% is on par with the norm for the Insurance - Diversified industry, indicating its profitability relative to shareholder equity is typical for the sector.
BAP
16.95%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
In the upper quartile for the Banks - Regional industry, BAP’s Return on Equity of 16.95% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
AIZN
2.09%
Insurance - Diversified Industry
- Max
- 32.46%
- Q3
- 16.21%
- Median
- 9.46%
- Q1
- 2.09%
- Min
- -10.51%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.
BAP
6.83%
Banks - Regional Industry
- Max
- 13.33%
- Q3
- 7.16%
- Median
- 5.31%
- Q1
- 2.87%
- Min
- -3.49%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.
Net Profit Margin
AIZN
5.55%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 19.46%
- Median
- 9.37%
- Q1
- 5.55%
- Min
- -7.05%
AIZN’s Net Profit Margin of 5.55% is aligned with the median group of its peers in the Insurance - Diversified industry. This indicates its ability to convert revenue into profit is typical for the sector.
BAP
23.61%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
A Net Profit Margin of 23.61% places BAP in the upper quartile for the Banks - Regional industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
AIZN
6.78%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 14.16%
- Q1
- 6.78%
- Min
- -2.60%
AIZN’s Operating Profit Margin of 6.78% is around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.
BAP
37.62%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
An Operating Profit Margin of 37.62% places BAP in the upper quartile for the Banks - Regional industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AIZN | BAP |
|---|---|---|
| Return on Equity (TTM) | 13.02% | 16.95% |
| Return on Assets (TTM) | 1.92% | 2.27% |
| Return on Invested Capital (TTM) | 2.09% | 6.83% |
| Net Profit Margin (TTM) | 5.55% | 23.61% |
| Operating Profit Margin (TTM) | 6.78% | 37.62% |
| Gross Profit Margin (TTM) | 75.78% | 73.63% |
Financial Strength
Current Ratio
AIZN
4.41
Insurance - Diversified Industry
- Max
- 4.41
- Q3
- 4.03
- Median
- 2.86
- Q1
- 2.82
- Min
- 2.82
AIZN’s Current Ratio of 4.41 is in the upper quartile for the Insurance - Diversified industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
BAP
0.51
Banks - Regional Industry
- Max
- 0.39
- Q3
- 0.22
- Median
- 0.15
- Q1
- 0.10
- Min
- 0.01
For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
AIZN
0.40
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.27
- Q1
- 0.21
- Min
- 0.13
AIZN’s leverage is in the upper quartile of the Insurance - Diversified industry, with a Debt-to-Equity Ratio of 0.40. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
BAP
0.99
Banks - Regional Industry
- Max
- 1.74
- Q3
- 0.81
- Median
- 0.42
- Q1
- 0.18
- Min
- 0.00
BAP’s leverage is in the upper quartile of the Banks - Regional industry, with a Debt-to-Equity Ratio of 0.99. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AIZN
7.65
Insurance - Diversified Industry
- Max
- 19.23
- Q3
- 17.46
- Median
- 7.97
- Q1
- 4.61
- Min
- -1.63
AIZN’s Interest Coverage Ratio of 7.65 is positioned comfortably within the norm for the Insurance - Diversified industry, indicating a standard and healthy capacity to cover its interest payments.
BAP
1.65
Banks - Regional Industry
- Max
- 1.58
- Q3
- 0.84
- Median
- 0.59
- Q1
- 0.35
- Min
- -0.35
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.
Financial Strength at a Glance
| Symbol | AIZN | BAP |
|---|---|---|
| Current Ratio (TTM) | 4.41 | 0.51 |
| Quick Ratio (TTM) | 4.41 | 0.51 |
| Debt-to-Equity Ratio (TTM) | 0.40 | 0.99 |
| Debt-to-Asset Ratio (TTM) | 0.06 | 0.14 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.36 | -1.01 |
| Interest Coverage Ratio (TTM) | 7.65 | 1.65 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AIZN and BAP. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AIZN
1.61%
Insurance - Diversified Industry
- Max
- 8.16%
- Q3
- 5.54%
- Median
- 2.46%
- Q1
- 1.59%
- Min
- 0.00%
AIZN’s Dividend Yield of 1.61% is consistent with its peers in the Insurance - Diversified industry, providing a dividend return that is standard for its sector.
BAP
6.13%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
With a Dividend Yield of 6.13%, BAP offers a more attractive income stream than most of its peers in the Banks - Regional industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AIZN
23.78%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 53.36%
- Median
- 21.69%
- Q1
- 5.33%
- Min
- 0.00%
AIZN’s Dividend Payout Ratio of 23.78% is within the typical range for the Insurance - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
BAP
15.19%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
BAP’s Dividend Payout Ratio of 15.19% is in the lower quartile for the Banks - Regional industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | AIZN | BAP |
|---|---|---|
| Dividend Yield (TTM) | 1.61% | 6.13% |
| Dividend Payout Ratio (TTM) | 23.78% | 15.19% |
Valuation
Price-to-Earnings Ratio
AIZN
14.80
Insurance - Diversified Industry
- Max
- 18.52
- Q3
- 16.13
- Median
- 13.33
- Q1
- 9.73
- Min
- 2.62
AIZN’s P/E Ratio of 14.80 is within the middle range for the Insurance - Diversified industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
BAP
11.09
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
BAP’s P/E Ratio of 11.09 is within the middle range for the Banks - Regional industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
AIZN
1.18
Insurance - Diversified Industry
- Max
- 2.60
- Q3
- 2.07
- Median
- 1.20
- Q1
- 0.77
- Min
- 0.04
AIZN’s Forward PEG Ratio of 1.18 is within the middle range of its peers in the Insurance - Diversified industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
BAP
1.20
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
BAP’s Forward PEG Ratio of 1.20 is within the middle range of its peers in the Banks - Regional industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AIZN
0.81
Insurance - Diversified Industry
- Max
- 3.08
- Q3
- 2.00
- Median
- 1.15
- Q1
- 1.07
- Min
- 0.38
In the lower quartile for the Insurance - Diversified industry, AIZN’s P/S Ratio of 0.81 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
BAP
2.62
Banks - Regional Industry
- Max
- 4.28
- Q3
- 2.76
- Median
- 2.17
- Q1
- 1.71
- Min
- 0.55
The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.
Price-to-Book Ratio
AIZN
1.90
Insurance - Diversified Industry
- Max
- 2.12
- Q3
- 1.80
- Median
- 1.59
- Q1
- 1.29
- Min
- 0.74
AIZN’s P/B Ratio of 1.90 is in the upper tier for the Insurance - Diversified industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
BAP
1.78
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
BAP’s P/B Ratio of 1.78 is in the upper tier for the Banks - Regional industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | AIZN | BAP |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 14.80 | 11.09 |
| Forward PEG Ratio (TTM) | 1.18 | 1.20 |
| Price-to-Sales Ratio (P/S, TTM) | 0.81 | 2.62 |
| Price-to-Book Ratio (P/B, TTM) | 1.90 | 1.78 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 6.24 | -17.36 |
| EV-to-EBITDA (TTM) | 8.85 | 6.10 |
| EV-to-Sales (TTM) | 0.85 | 2.25 |