BAP vs. JPM: Credicorp vs. JPMorgan Chase Stock Comparison
How do Credicorp (BAP) and JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) 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 | JPM |
|---|---|---|
| Name | Credicorp Ltd. | JPMorgan Chase & Co. |
| 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 | 888.27 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| 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 | JPM |
|---|---|---|
| Total Return (1Y) | 44.06% | 11.23% |
| Total Return (3Y, Annualized) | 52.62% | 36.31% |
| Total Return (5Y, Annualized) | 29.84% | 18.27% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAP | JPM |
|---|---|---|
| Volatility (1Y, Annualized) | 34.92% | 23.08% |
| Beta (5Y) | 0.87 | 1.02 |
| Max Drawdown (5Y) | -33.33% | -37.93% |
| Avg. Volume (3M) | 316.59K | 7.03M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAP | JPM |
|---|---|---|
| Sharpe Ratio (1Y) | 1.14 | 0.30 |
| Sortino Ratio (1Y) | 1.75 | 0.42 |
Profitability
ROE (TTM)
Both companies show strong equity returns, but Credicorp (BAP) at 20.41% is the standout with ROE above its industry range; JPMorgan Chase (JPM) at 18.01% also sits in the top quartile.
BAP
Banks industry group
20.41%
- BAP
- 20.41%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
JPM
Banks industry group
18.01%
- Max
- 19.84%
- JPM
- 18.01%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both Credicorp (BAP) at 33.10% and JPMorgan Chase (JPM) at 34.59% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
BAP
Banks industry group
33.10%
- Max
- 47.19%
- Q3
- 35.25%
- BAP
- 33.10%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
JPM
Banks industry group
34.59%
- Max
- 47.19%
- Q3
- 35.25%
- JPM
- 34.59%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and JPMorgan Chase (JPM) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAP | JPM |
|---|---|---|
| ROE (TTM) | 20.41% | 18.01% |
| ROA (TTM) | 2.84% | 1.37% |
| Net Margin (TTM) | 33.10% | 34.59% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Credicorp (BAP) at 11.57% and JPMorgan Chase (JPM) at 7.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Credicorp (BAP) at 26.04% is around its peer norm for EPS growth, while JPMorgan Chase (JPM) at 1.37% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | BAP | JPM |
|---|---|---|
| Revenue Growth (YoY) | 11.57% | 7.32% |
| Revenue Growth (3Y CAGR) | 12.30% | 12.50% |
| EPS Growth (YoY) | 26.04% | 1.37% |
| EPS Growth (3Y CAGR) | 14.42% | 18.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) 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 | JPM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
JPMorgan Chase (JPM) at 1.82% 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%
JPM
Banks industry group
1.82%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- JPM
- 1.82%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
JPMorgan Chase (JPM) at 25.80% 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%
JPM
Banks industry group
25.80%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- JPM
- 25.80%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BAP | JPM |
|---|---|---|
| Dividend Yield (TTM) | 14.37% | 1.82% |
| Dividend Payout Ratio (TTM) | 53.95% | 25.80% |
Valuation
P/E Ratio (TTM)
Credicorp (BAP) at 13.10 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — JPM 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
JPM
Banks industry group
14.03
- Max
- 18.16
- JPM
- 14.03
- 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 JPMorgan Chase (JPM) 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)
Measured against book value, both Credicorp (BAP) at 2.57 and JPMorgan Chase (JPM) at 2.53 look expensive — each P/B ratio sits above its industry’s benchmark range.
BAP
Banks industry group
2.57
- BAP
- 2.57
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
JPM
Banks industry group
2.53
- JPM
- 2.53
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BAP | JPM |
|---|---|---|
| P/E Ratio (TTM) | 13.10 | 14.03 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.57 | 2.53 |
| Free Cash Flow Yield (TTM) | -- | -- |