BAP vs. PNC: Credicorp vs. PNC Financial Services Stock Comparison
How do Credicorp (BAP) and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) 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 | PNC |
|---|---|---|
| Name | Credicorp Ltd. | The PNC Financial Services Group, Inc. |
| 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 | 89.43 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 25, 1995 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAP | PNC |
|---|---|---|
| Total Return (1Y) | 44.06% | 30.50% |
| Total Return (3Y, Annualized) | 52.62% | 29.46% |
| Total Return (5Y, Annualized) | 29.84% | 6.26% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAP | PNC |
|---|---|---|
| Volatility (1Y, Annualized) | 34.92% | 21.60% |
| Beta (5Y) | 0.87 | 0.90 |
| Max Drawdown (5Y) | -33.33% | -47.98% |
| Avg. Volume (3M) | 316.59K | 1.77M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAP | PNC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.14 | 1.21 |
| Sortino Ratio (1Y) | 1.75 | 1.77 |
Profitability
ROE (TTM)
Credicorp (BAP) at 20.41% clears its industry range for ROE, a sharper capital-efficiency signal than PNC Financial Services (PNC) at 13.10%, 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%
PNC
Banks industry group
13.10%
- Max
- 19.84%
- Q3
- 13.67%
- PNC
- 13.10%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both Credicorp (BAP) at 33.10% and PNC Financial Services (PNC) at 31.68% 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%
PNC
Banks industry group
31.68%
- Max
- 47.19%
- Q3
- 35.25%
- PNC
- 31.68%
- 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 PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAP | PNC |
|---|---|---|
| ROE (TTM) | 20.41% | 13.10% |
| ROA (TTM) | 2.84% | 1.33% |
| Net Margin (TTM) | 33.10% | 31.68% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Credicorp (BAP) at 11.57% and PNC Financial Services (PNC) at 10.90% 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 PNC Financial Services (PNC) at 20.74% 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 | PNC |
|---|---|---|
| Revenue Growth (YoY) | 11.57% | 10.90% |
| Revenue Growth (3Y CAGR) | 12.30% | 3.01% |
| EPS Growth (YoY) | 26.04% | 20.74% |
| EPS Growth (3Y CAGR) | 14.42% | 6.20% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) 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 | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
PNC Financial Services (PNC) at 3.13% 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%
PNC
Banks industry group
3.13%
- Max
- 5.79%
- Q3
- 3.18%
- PNC
- 3.13%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
PNC Financial Services (PNC) at 37.81% 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%
PNC
Banks industry group
37.81%
- Max
- 70.75%
- Q3
- 41.28%
- PNC
- 37.81%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BAP | PNC |
|---|---|---|
| Dividend Yield (TTM) | 14.37% | 3.13% |
| Dividend Payout Ratio (TTM) | 53.95% | 37.81% |
Valuation
P/E Ratio (TTM)
Both Credicorp (BAP) at 13.10 and PNC Financial Services (PNC) at 12.00 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
PNC
Banks industry group
12.00
- Max
- 18.16
- Q3
- 13.75
- PNC
- 12.00
- 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 PNC Financial Services (PNC) 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)
Both look rich against book: PNC Financial Services (PNC) at 1.59 sits in the upper P/B ratio quartile, and Credicorp (BAP) at 2.57 prices even higher, above its industry 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
PNC
Banks industry group
1.59
- Max
- 2.28
- PNC
- 1.59
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BAP | PNC |
|---|---|---|
| P/E Ratio (TTM) | 13.10 | 12.00 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.57 | 1.59 |
| Free Cash Flow Yield (TTM) | -- | -- |