BAP vs. FCNCA: Credicorp vs. First Citizens BancShares Stock Comparison
How do Credicorp (BAP) and First Citizens BancShares (FCNCA) 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 First Citizens BancShares (FCNCA) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | BAP | FCNCA |
|---|---|---|
| Name | Credicorp Ltd. | First Citizens BancShares, Inc. Class A Common Stock |
| Country/Region | Peru | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 27.63 billion USD | 25.15 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | October 25, 1995 | October 22, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAP | FCNCA |
|---|---|---|
| Total Return (1Y) | 44.06% | 27.07% |
| Total Return (3Y, Annualized) | 52.62% | 18.91% |
| Total Return (5Y, Annualized) | 29.84% | 22.86% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAP | FCNCA |
|---|---|---|
| Volatility (1Y, Annualized) | 34.92% | 27.19% |
| Beta (5Y) | 0.87 | 0.61 |
| Max Drawdown (5Y) | -33.33% | -43.60% |
| Avg. Volume (3M) | 316.59K | 68.57K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAP | FCNCA |
|---|---|---|
| Sharpe Ratio (1Y) | 1.14 | 0.84 |
| Sortino Ratio (1Y) | 1.75 | 1.24 |
Profitability
ROE (TTM)
Credicorp (BAP) at 20.41% clears its industry range for ROE, a sharper capital-efficiency signal than First Citizens BancShares (FCNCA) at 10.98%, which is closer to a typical peer reading.
BAP
Banks industry group
20.41%
- BAP
- 20.41%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
FCNCA
Banks industry group
10.98%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- FCNCA
- 10.98%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Credicorp (BAP) at 33.10% keeps about the industry-typical share of revenue as profit, while First Citizens BancShares (FCNCA) at 25.21% 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%
FCNCA
Banks industry group
25.21%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FCNCA
- 25.21%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and First Citizens BancShares (FCNCA) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAP | FCNCA |
|---|---|---|
| ROE (TTM) | 20.41% | 10.98% |
| ROA (TTM) | 2.84% | 1.01% |
| Net Margin (TTM) | 33.10% | 25.21% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Credicorp (BAP) at 11.57% is around its peer norm for revenue growth, while First Citizens BancShares (FCNCA) at -2.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Credicorp (BAP) at 26.04% is around its peer norm for EPS growth, while First Citizens BancShares (FCNCA) at -12.76% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | BAP | FCNCA |
|---|---|---|
| Revenue Growth (YoY) | 11.57% | -2.61% |
| Revenue Growth (3Y CAGR) | 12.30% | 26.91% |
| EPS Growth (YoY) | 26.04% | -12.76% |
| EPS Growth (3Y CAGR) | 14.42% | 34.84% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and First Citizens BancShares (FCNCA) 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 First Citizens BancShares (FCNCA) 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 | FCNCA |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Credicorp (BAP) at 14.37% yields beyond its industry’s entire range — a level that invites a dividend-safety check — while First Citizens BancShares (FCNCA) at 0.36% sits in the bottom quartile of its peers.
BAP
Banks industry group
14.37%
- BAP
- 14.37%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
FCNCA
Banks industry group
0.36%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- FCNCA
- 0.36%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
First Citizens BancShares (FCNCA) at 4.31% retains more earnings than its industry usually does; Credicorp (BAP) at 53.95% distributes an above-typical share — opposite departures from the band, with the risk sitting on BAP’s side.
BAP
Banks industry group
53.95%
- Max
- 70.75%
- BAP
- 53.95%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
FCNCA
Banks industry group
4.31%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- FCNCA
- 4.31%
- Min
- 0.00%
Dividend Metrics
| Metric | BAP | FCNCA |
|---|---|---|
| Dividend Yield (TTM) | 14.37% | 0.36% |
| Dividend Payout Ratio (TTM) | 53.95% | 4.31% |
Valuation
P/E Ratio (TTM)
Both Credicorp (BAP) at 13.10 and First Citizens BancShares (FCNCA) at 11.68 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
FCNCA
Banks industry group
11.68
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- FCNCA
- 11.68
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Credicorp (BAP) in Banks and First Citizens BancShares (FCNCA) 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)
First Citizens BancShares (FCNCA) at 1.29 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
FCNCA
Banks industry group
1.29
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- FCNCA
- 1.29
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BAP | FCNCA |
|---|---|---|
| P/E Ratio (TTM) | 13.10 | 11.68 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.57 | 1.29 |
| Free Cash Flow Yield (TTM) | -- | -- |