BAP vs. PNFP: Credicorp vs. Pinnacle Financial Partners Stock Comparison

Company Profile

Credicorp (BAP) and Pinnacle Financial Partners (PNFP) both belong to the Banks industry, though BAP is classified under Diversified Banks while PNFP falls under Regional Banks.

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% clears its industry range for ROE, a sharper capital-efficiency signal than Pinnacle Financial Partners (PNFP) at 9.56%, which is closer to a typical peer reading.

Credicorp (BAP) at 33.10% keeps about the industry-typical share of revenue as profit, while Pinnacle Financial Partners (PNFP) at 25.54% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and Pinnacle Financial Partners (PNFP) 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 Pinnacle Financial Partners (PNFP) at 17.76% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Pinnacle Financial Partners (PNFP) at 35.40% 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 PNFP.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Pinnacle Financial Partners (PNFP) 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 Pinnacle Financial Partners (PNFP) 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

Pinnacle Financial Partners (PNFP) at 1.72% 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.

Pinnacle Financial Partners (PNFP) at 23.29% 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 Pinnacle Financial Partners (PNFP) at 13.47 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 Pinnacle Financial Partners (PNFP) 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.

Pinnacle Financial Partners (PNFP) at 1.10 sits in the lower P/B ratio quartile relative to book while Credicorp (BAP) at 2.57 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics