BAP vs. MUFG: Credicorp vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

Credicorp (BAP) and Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) 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

Credicorp (BAP) at 20.41% delivers above-range ROE, while Mitsubishi UFJ Financial (MUFG) at 9.46% falls into the bottom quartile — a wide split in profit generated from equity.

Both Credicorp (BAP) at 33.10% and Mitsubishi UFJ Financial (MUFG) at 27.45% 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 Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) at 9.98% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Mitsubishi UFJ Financial (MUFG) at 33.15% sits in the top EPS growth quartile, while Credicorp (BAP) at 26.04% is closer to the peer norm — faster per-share earnings growth for MUFG.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) 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

Both Credicorp (BAP) at 14.37% and Mitsubishi UFJ Financial (MUFG) at 406.81% yield above their industries’ entire benchmark ranges — high enough that dividend safety, not income, becomes the first question.

Mitsubishi UFJ Financial (MUFG) at 34.74% 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 Mitsubishi UFJ Financial (MUFG) at 13.71 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 Mitsubishi UFJ Financial (MUFG) 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.

Both look rich against book: Mitsubishi UFJ Financial (MUFG) at 1.64 sits in the upper P/B ratio quartile, and Credicorp (BAP) at 2.57 prices even higher, above its industry range.

Valuation Metrics