BAP vs. FITB: Credicorp vs. Fifth Third Bancorp Stock Comparison
How do Credicorp (BAP) and Fifth Third Bancorp (FITB) 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 Fifth Third Bancorp (FITB) 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 | FITB |
|---|---|---|
| Name | Credicorp Ltd. | Fifth Third Bancorp |
| 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 | 47.93 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | October 25, 1995 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAP | FITB |
|---|---|---|
| Total Return (1Y) | 44.06% | 31.61% |
| Total Return (3Y, Annualized) | 52.62% | 34.78% |
| Total Return (5Y, Annualized) | 29.84% | 8.38% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAP | FITB |
|---|---|---|
| Volatility (1Y, Annualized) | 34.92% | 25.76% |
| Beta (5Y) | 0.87 | 0.96 |
| Max Drawdown (5Y) | -33.33% | -51.68% |
| Avg. Volume (3M) | 316.59K | 6.30M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAP | FITB |
|---|---|---|
| Sharpe Ratio (1Y) | 1.14 | 1.06 |
| Sortino Ratio (1Y) | 1.75 | 1.58 |
Profitability
ROE (TTM)
Credicorp (BAP) at 20.41% delivers above-range ROE, while Fifth Third Bancorp (FITB) at 9.42% 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%
FITB
Banks industry group
9.42%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FITB
- 9.42%
- Min
- 3.64%
Net Margin (TTM)
Credicorp (BAP) at 33.10% keeps about the industry-typical share of revenue as profit, while Fifth Third Bancorp (FITB) at 22.97% 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%
FITB
Banks industry group
22.97%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FITB
- 22.97%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and Fifth Third Bancorp (FITB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAP | FITB |
|---|---|---|
| ROE (TTM) | 20.41% | 9.42% |
| ROA (TTM) | 2.84% | 1.00% |
| Net Margin (TTM) | 33.10% | 22.97% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Credicorp (BAP) at 11.57% and Fifth Third Bancorp (FITB) at 6.61% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Credicorp (BAP) at 26.04% and Fifth Third Bancorp (FITB) at 12.42% 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 | FITB |
|---|---|---|
| Revenue Growth (YoY) | 11.57% | 6.61% |
| Revenue Growth (3Y CAGR) | 12.30% | 2.87% |
| EPS Growth (YoY) | 26.04% | 12.42% |
| EPS Growth (3Y CAGR) | 14.42% | 1.76% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Fifth Third Bancorp (FITB) 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 Fifth Third Bancorp (FITB) 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 | FITB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Fifth Third Bancorp (FITB) at 3.03% 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%
FITB
Banks industry group
3.03%
- Max
- 5.79%
- Q3
- 3.18%
- FITB
- 3.03%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Credicorp (BAP) at 53.95% and Fifth Third Bancorp (FITB) at 54.36% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
BAP
Banks industry group
53.95%
- Max
- 70.75%
- BAP
- 53.95%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
FITB
Banks industry group
54.36%
- Max
- 70.75%
- FITB
- 54.36%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BAP | FITB |
|---|---|---|
| Dividend Yield (TTM) | 14.37% | 3.03% |
| Dividend Payout Ratio (TTM) | 53.95% | 54.36% |
Valuation
P/E Ratio (TTM)
Credicorp (BAP) at 13.10 is near its industry’s usual P/E ratio, while Fifth Third Bancorp (FITB) at 17.80 sits in the richer quartile — FITB needs stronger growth or earnings quality to justify the premium.
BAP
Banks industry group
13.10
- Max
- 18.16
- Q3
- 13.75
- BAP
- 13.10
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
FITB
Banks industry group
17.80
- Max
- 18.16
- FITB
- 17.80
- Q3
- 13.75
- 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 Fifth Third Bancorp (FITB) 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)
Fifth Third Bancorp (FITB) at 1.55 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
FITB
Banks industry group
1.55
- Max
- 2.28
- Q3
- 1.58
- FITB
- 1.55
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BAP | FITB |
|---|---|---|
| P/E Ratio (TTM) | 13.10 | 17.80 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.57 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |