BAP vs. CFG: Credicorp vs. Citizens Financial Stock Comparison
How do Credicorp (BAP) and Citizens Financial (CFG) 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 Citizens Financial (CFG) both belong to the Banks industry, though BAP is classified under Diversified Banks while CFG falls under Regional Banks.
| Profile Item | BAP | CFG |
|---|---|---|
| Name | Credicorp Ltd. | Citizens Financial Group Inc. |
| Country/Region | Peru | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 27.63 billion USD | 26.51 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 25, 1995 | September 24, 2014 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAP | CFG |
|---|---|---|
| Total Return (1Y) | 44.06% | 30.28% |
| Total Return (3Y, Annualized) | 52.62% | 42.95% |
| Total Return (5Y, Annualized) | 29.84% | 10.93% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAP | CFG |
|---|---|---|
| Volatility (1Y, Annualized) | 34.92% | 25.87% |
| Beta (5Y) | 0.87 | 1.07 |
| Max Drawdown (5Y) | -33.33% | -56.19% |
| Avg. Volume (3M) | 316.59K | 3.99M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAP | CFG |
|---|---|---|
| Sharpe Ratio (1Y) | 1.14 | 1.00 |
| Sortino Ratio (1Y) | 1.75 | 1.50 |
Profitability
ROE (TTM)
Credicorp (BAP) at 20.41% delivers above-range ROE, while Citizens Financial (CFG) at 8.90% 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%
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- Min
- 3.64%
Net Margin (TTM)
Credicorp (BAP) at 33.10% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% 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%
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and Citizens Financial (CFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAP | CFG |
|---|---|---|
| ROE (TTM) | 20.41% | 8.90% |
| ROA (TTM) | 2.84% | 0.99% |
| Net Margin (TTM) | 33.10% | 27.02% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Credicorp (BAP) at 11.57% is around its peer norm for revenue growth, while Citizens Financial (CFG) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Credicorp (BAP) at 26.04% and Citizens Financial (CFG) at 27.39% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | BAP | CFG |
|---|---|---|
| Revenue Growth (YoY) | 11.57% | 5.61% |
| Revenue Growth (3Y CAGR) | 12.30% | 0.93% |
| EPS Growth (YoY) | 26.04% | 27.39% |
| EPS Growth (3Y CAGR) | 14.42% | -1.99% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Citizens Financial (CFG) 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 Citizens Financial (CFG) 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
| Metric | BAP | CFG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Citizens Financial (CFG) at 2.88% 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%
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citizens Financial (CFG) at 37.17% 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%
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BAP | CFG |
|---|---|---|
| Dividend Yield (TTM) | 14.37% | 2.88% |
| Dividend Payout Ratio (TTM) | 53.95% | 37.17% |
Valuation
P/E Ratio (TTM)
Both Credicorp (BAP) at 13.10 and Citizens Financial (CFG) at 12.78 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
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Credicorp (BAP) in Banks and Citizens Financial (CFG) 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)
Citizens Financial (CFG) at 1.16 sits near its industry’s typical P/B ratio, while Credicorp (BAP) at 2.57 prices above its benchmark range — BAP looks rich relative to book.
BAP
Banks industry group
2.57
- BAP
- 2.57
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BAP | CFG |
|---|---|---|
| P/E Ratio (TTM) | 13.10 | 12.78 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.57 | 1.16 |
| Free Cash Flow Yield (TTM) | -- | -- |