BAP vs. BMO: Credicorp vs. Bank of Montreal Stock Comparison

Company Profile

Credicorp (BAP) and Bank of Montreal (BMO) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

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

Credicorp (BAP) at 20.41% clears its industry range for ROE, a sharper capital-efficiency signal than Bank of Montreal (BMO) at 10.57%, which is closer to a typical peer reading.

Credicorp (BAP) at 33.10% keeps about the industry-typical share of revenue as profit, while Bank of Montreal (BMO) at 25.66% retains only a bottom-quartile share.

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

Profitability Metrics

Growth

Both Credicorp (BAP) at 11.57% and Bank of Montreal (BMO) at 12.67% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Credicorp (BAP) at 26.04% and Bank of Montreal (BMO) at 20.29% 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 Bank of Montreal (BMO) 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 Bank of Montreal (BMO) 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

Bank of Montreal (BMO) at 3.87% 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 Bank of Montreal (BMO) at 54.44% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Credicorp (BAP) at 13.10 is near its industry’s usual P/E ratio, while Bank of Montreal (BMO) at 19.34 sits above its peer range — an unusually expensive price for BMO’s trailing earnings.

P/S ratio is set aside for both Credicorp (BAP) in Banks and Bank of Montreal (BMO) 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: Bank of Montreal (BMO) at 1.97 sits in the upper P/B ratio quartile, and Credicorp (BAP) at 2.57 prices even higher, above its industry range.

Valuation Metrics