BAP vs. CIB: Credicorp vs. Grupo Cibest Stock Comparison

Company Profile

Credicorp (BAP) and Grupo Cibest (CIB) 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 Grupo Cibest (CIB) 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; Grupo Cibest (CIB) at 19.22% also sits in the top quartile.

Credicorp (BAP) at 33.10% keeps about the industry-typical share of revenue as profit, while Grupo Cibest (CIB) at 17.57% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and Grupo Cibest (CIB) 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 Grupo Cibest (CIB) at 5.11% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Credicorp (BAP) at 26.04% is around its peer norm for EPS growth, while Grupo Cibest (CIB) at -38.49% falls below its industry range, a notably weak earnings reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Grupo Cibest (CIB) 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 Grupo Cibest (CIB) 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

Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Credicorp (BAP) reports a yield of 14.37%, ranking against industry peers normally.

Grupo Cibest (CIB) at 31.29% pays out a band-typical share of earnings, while Credicorp (BAP) at 53.95% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Credicorp (BAP) at 13.10 and Grupo Cibest (CIB) at 11.13 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 Grupo Cibest (CIB) 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.

Grupo Cibest (CIB) at 0.00 prices below its industry’s P/B ratio range while Credicorp (BAP) at 2.57 prices above it — an unusually wide split in valuation relative to book.

Valuation Metrics