BAP vs. RY: Credicorp vs. Royal Bank of Canada Stock Comparison

Company Profile

Credicorp (BAP) and Royal Bank of Canada (RY) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

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

Both companies show strong equity returns, but Credicorp (BAP) at 20.41% is the standout with ROE above its industry range; Royal Bank of Canada (RY) at 16.21% also sits in the top quartile.

Both Credicorp (BAP) at 33.10% and Royal Bank of Canada (RY) at 33.87% 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 Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) at 15.73% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Only one side can be read here: Credicorp (BAP) reports EPS growth of 26.04%, ranked against its industry; Royal Bank of Canada (RY) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) 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

Royal Bank of Canada (RY) at 3.23% earns its spot in the top quartile of its industry’s yields; Credicorp (BAP) at 14.37% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Both Credicorp (BAP) at 53.95% and Royal Bank of Canada (RY) at 41.49% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Credicorp (BAP) at 13.10 is near its industry’s usual P/E ratio, while Royal Bank of Canada (RY) at 17.58 sits in the richer quartile — RY needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Credicorp (BAP) in Banks and Royal Bank of Canada (RY) 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.

Measured against book value, both Credicorp (BAP) at 2.57 and Royal Bank of Canada (RY) at 2.92 look expensive — each P/B ratio sits above its industry’s benchmark range.

Valuation Metrics