BAP vs. LYG: Credicorp vs. Lloyds Banking Stock Comparison

Company Profile

Credicorp (BAP) and Lloyds Banking (LYG) 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 Lloyds Banking (LYG) 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

Lloyds Banking (LYG) is heavily traded at around 16.52M shares per day, whereas Credicorp (BAP) sees a more moderate 316.59K — larger orders in the latter may require more patience and tighter control over order sizing.

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; Lloyds Banking (LYG) at 13.69% also sits in the top quartile.

Both Credicorp (BAP) at 33.10% and Lloyds Banking (LYG) at 30.61% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and Lloyds Banking (LYG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Credicorp (BAP) at 11.57% and Lloyds Banking (LYG) at 7.66% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Credicorp (BAP) at 26.04% and Lloyds Banking (LYG) at 11.29% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Lloyds Banking (LYG) 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 Lloyds Banking (LYG) 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

Credicorp (BAP) at 14.37% yields beyond its industry’s entire range — a level that invites a dividend-safety check — while Lloyds Banking (LYG) at 0.77% sits in the bottom quartile of its peers.

Both Credicorp (BAP) at 53.95% and Lloyds Banking (LYG) at 41.85% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 sits in the cheaper P/E ratio quartile, while Credicorp (BAP) at 13.10 is closer to its industry’s usual earnings multiple — a discount for LYG, though growth and earnings durability still matter.

P/S ratio is set aside for both Credicorp (BAP) in Banks and Lloyds Banking (LYG) 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.

Lloyds Banking (LYG) at 1.19 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.

Valuation Metrics