BAP vs. TFC: Credicorp vs. Truist Financial Stock Comparison
How do Credicorp (BAP) and Truist Financial (TFC) 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 Truist Financial (TFC) both belong to the Banks industry, though BAP is classified under Diversified Banks while TFC falls under Regional Banks.
| Profile Item | BAP | TFC |
|---|---|---|
| Name | Credicorp Ltd. | Truist Financial Corporation |
| Country/Region | Peru | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 27.63 billion USD | 59.18 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 25, 1995 | March 18, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAP | TFC |
|---|---|---|
| Total Return (1Y) | 44.06% | 18.58% |
| Total Return (3Y, Annualized) | 52.62% | 25.74% |
| Total Return (5Y, Annualized) | 29.84% | -0.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAP | TFC |
|---|---|---|
| Volatility (1Y, Annualized) | 34.92% | 23.91% |
| Beta (5Y) | 0.87 | 0.88 |
| Max Drawdown (5Y) | -33.33% | -59.11% |
| Avg. Volume (3M) | 316.59K | 7.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAP | TFC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.14 | 0.60 |
| Sortino Ratio (1Y) | 1.75 | 0.83 |
Profitability
ROE (TTM)
Credicorp (BAP) at 20.41% delivers above-range ROE, while Truist Financial (TFC) at 8.16% falls into the bottom quartile — a wide split in profit generated from equity.
BAP
Banks industry group
20.41%
- BAP
- 20.41%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
TFC
Banks industry group
8.16%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
Net Margin (TTM)
Both Credicorp (BAP) at 33.10% and Truist Financial (TFC) at 28.38% 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%
TFC
Banks industry group
28.38%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Credicorp (BAP) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAP | TFC |
|---|---|---|
| ROE (TTM) | 20.41% | 8.16% |
| ROA (TTM) | 2.84% | 0.95% |
| Net Margin (TTM) | 33.10% | 28.38% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Truist Financial (TFC) at 53.03% clears its industry range for revenue growth, far stronger top-line momentum than Credicorp (BAP) at 11.57%, which is closer to a typical peer reading.
EPS Growth
Both Credicorp (BAP) at 26.04% and Truist Financial (TFC) at 13.69% 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 | TFC |
|---|---|---|
| Revenue Growth (YoY) | 11.57% | 53.03% |
| Revenue Growth (3Y CAGR) | 12.30% | 0.57% |
| EPS Growth (YoY) | 26.04% | 13.69% |
| EPS Growth (3Y CAGR) | 14.42% | -4.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Truist Financial (TFC) 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 Truist Financial (TFC) 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 | TFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Truist Financial (TFC) at 4.17% 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.
BAP
Banks industry group
14.37%
- BAP
- 14.37%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
TFC
Banks industry group
4.17%
- Max
- 5.79%
- TFC
- 4.17%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Credicorp (BAP) at 53.95% and Truist Financial (TFC) at 53.61% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
BAP
Banks industry group
53.95%
- Max
- 70.75%
- BAP
- 53.95%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
TFC
Banks industry group
53.61%
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BAP | TFC |
|---|---|---|
| Dividend Yield (TTM) | 14.37% | 4.17% |
| Dividend Payout Ratio (TTM) | 53.95% | 53.61% |
Valuation
P/E Ratio (TTM)
Both Credicorp (BAP) at 13.10 and Truist Financial (TFC) at 12.73 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
TFC
Banks industry group
12.73
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- 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 Truist Financial (TFC) 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)
Truist Financial (TFC) at 1.06 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.
BAP
Banks industry group
2.57
- BAP
- 2.57
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
TFC
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
Valuation Metrics
| Metric | BAP | TFC |
|---|---|---|
| P/E Ratio (TTM) | 13.10 | 12.73 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.57 | 1.06 |
| Free Cash Flow Yield (TTM) | -- | -- |