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BAP vs. C: Credicorp vs. Citigroup Stock Comparison

How do Credicorp (BAP) and Citigroup (C) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

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

Company profile comparison for Credicorp (BAP) and Citigroup (C)
Profile ItemBAPC
NameCredicorp Ltd.Citigroup Inc.
Country/RegionPeruUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupBanksBanks
GICS IndustryBanksBanks
GICS Sub-IndustryDiversified BanksDiversified Banks
Market Capitalization27.63 billion USD197.05 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateOctober 25, 1995January 3, 1977
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

BAP
C
GSPC
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Credicorp (BAP) vs. Citigroup (C), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Credicorp (BAP) and Citigroup (C). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Credicorp (BAP) and Citigroup (C). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
Total Return (1Y)44.06%23.42%
Total Return (3Y, Annualized)52.62%47.29%
Total Return (5Y, Annualized)29.84%16.24%

Risk Profile

Drawdown History

BAP
C
GSPC
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Credicorp (BAP) vs. Citigroup (C), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Credicorp (BAP) and Citigroup (C). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
Volatility (1Y, Annualized)34.92%29.96%
Beta (5Y)0.871.17
Max Drawdown (5Y)-33.33%-40.60%
Avg. Volume (3M)316.59K9.35M

Risk-Adjusted Performance

Risk-Return Positioning

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BAP and C are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
Sharpe Ratio (1Y)1.140.64
Sortino Ratio (1Y)1.750.90

Profitability

ROE (TTM)

Credicorp (BAP) at 20.41% delivers above-range ROE, while Citigroup (C) at 9.35% falls into the bottom quartile — a wide split in profit generated from equity.

BAP

Banks industry group

20.41%

BAP
20.41%
Max
19.84%
Q3
13.67%
Median
11.49%
Q1
9.50%
Min
3.64%

C

Banks industry group

9.35%

Max
19.84%
Q3
13.67%
Median
11.49%
Q1
9.50%
C
9.35%
Min
3.64%
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Credicorp (BAP) vs. Citigroup (C): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

Credicorp (BAP) at 33.10% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 23.21% retains only a bottom-quartile share.

BAP

Banks industry group

33.10%

Max
47.19%
Q3
35.25%
BAP
33.10%
Median
31.21%
Q1
27.11%
Min
14.93%

C

Banks industry group

23.21%

Max
47.19%
Q3
35.25%
Median
31.21%
Q1
27.11%
C
23.21%
Min
14.93%
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Credicorp (BAP) vs. Citigroup (C): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

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

Profitability Metrics

Profitability metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
ROE (TTM)20.41%9.35%
ROA (TTM)2.84%0.71%
Net Margin (TTM)33.10%23.21%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Credicorp (BAP) at 11.57% is around its peer norm for revenue growth, while Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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Credicorp (BAP) vs. Citigroup (C): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Credicorp (BAP) at 26.04% and Citigroup (C) at 17.68% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Credicorp (BAP) vs. Citigroup (C): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
Revenue Growth (YoY)11.57%5.63%
Revenue Growth (3Y CAGR)12.30%4.59%
EPS Growth (YoY)26.04%17.68%
EPS Growth (3Y CAGR)14.42%-0.05%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Citigroup (C) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: Credicorp (BAP) in Banks and Citigroup (C) 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

Financial strength metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Citigroup (C) at 2.09% pays an industry-typical yield; Credicorp (BAP) at 14.37% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

BAP

Banks industry group

14.37%

BAP
14.37%
Max
5.79%
Q3
3.18%
Median
2.39%
Q1
1.20%
Min
0.00%

C

Banks industry group

2.09%

Max
5.79%
Q3
3.18%
Median
2.39%
C
2.09%
Q1
1.20%
Min
0.00%
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Credicorp (BAP) vs. Citigroup (C): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Citigroup (C) at 24.07% pays out a band-typical share of earnings, while Credicorp (BAP) at 53.95% distributes more than its industry norm — less retained, thinner cover.

BAP

Banks industry group

53.95%

Max
70.75%
BAP
53.95%
Q3
41.28%
Median
29.26%
Q1
18.98%
Min
0.00%

C

Banks industry group

24.07%

Max
70.75%
Q3
41.28%
Median
29.26%
C
24.07%
Q1
18.98%
Min
0.00%
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Credicorp (BAP) vs. Citigroup (C): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
Dividend Yield (TTM)14.37%2.09%
Dividend Payout Ratio (TTM)53.95%24.07%

Valuation

P/E Ratio (TTM)

Both Credicorp (BAP) at 13.10 and Citigroup (C) at 11.60 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

BAP

Banks industry group

13.10

Max
18.16
Q3
13.75
BAP
13.10
Median
11.81
Q1
10.64
Min
6.49

C

Banks industry group

11.60

Max
18.16
Q3
13.75
Median
11.81
C
11.60
Q1
10.64
Min
6.49
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Credicorp (BAP) vs. Citigroup (C): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both Credicorp (BAP) in Banks and Citigroup (C) 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.

P/B Ratio (MRQ)

Citigroup (C) at 1.03 sits in the lower P/B ratio quartile relative to book while Credicorp (BAP) at 2.57 prices above its industry range — a wide valuation gap against assets.

BAP

Banks industry group

2.57

BAP
2.57
Max
2.28
Q3
1.58
Median
1.32
Q1
1.10
Min
0.59

C

Banks industry group

1.03

Max
2.28
Q3
1.58
Median
1.32
Q1
1.10
C
1.03
Min
0.59
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Credicorp (BAP) vs. Citigroup (C): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for Credicorp (BAP) and Citigroup (C)
MetricBAPC
P/E Ratio (TTM)13.1011.60
P/S Ratio (TTM)----
P/B Ratio (MRQ)2.571.03
Free Cash Flow Yield (TTM)----