BAP vs. BBVA: Credicorp vs. Banco Bilbao Vizcaya Argentaria Stock Comparison

Company Profile

Credicorp (BAP) and Banco Bilbao Vizcaya Argentaria (BBVA) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Credicorp (BAP) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Credicorp (BAP) at 20.41% is the standout with ROE above its industry range; Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% also sits in the top quartile.

Both Credicorp (BAP) at 33.10% and Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Credicorp (BAP) at 11.57% is around its peer norm for revenue growth, while Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Credicorp (BAP) at 26.04% and Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Credicorp (BAP) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% earns its spot in the top quartile of its industry’s yields; Credicorp (BAP) at 14.37% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Both Credicorp (BAP) at 53.95% and Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Both Credicorp (BAP) at 13.10 and Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Credicorp (BAP) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Both look rich against book: Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 sits in the upper P/B ratio quartile, and Credicorp (BAP) at 2.57 prices even higher, above its industry range.

Valuation Metrics