BAP vs. WTFC: Credicorp vs. Wintrust Financial Stock Comparison

Company Profile

Credicorp (BAP) and Wintrust Financial (WTFC) both belong to the Banks industry, though BAP is classified under Diversified Banks while WTFC 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 Wintrust Financial (WTFC) at 12.88%, which is closer to a typical peer reading.

Both Credicorp (BAP) at 33.10% and Wintrust Financial (WTFC) at 32.81% 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) at 11.23% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Credicorp (BAP) at 26.04% and Wintrust Financial (WTFC) at 10.57% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Credicorp (BAP) in Banks and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) 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

Wintrust Financial (WTFC) at 1.42% 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.

Wintrust Financial (WTFC) at 16.49% retains more earnings than its industry usually does; Credicorp (BAP) at 53.95% distributes an above-typical share — opposite departures from the band, with the risk sitting on BAP’s side.

Dividend Metrics

Valuation

Both Credicorp (BAP) at 13.10 and Wintrust Financial (WTFC) at 11.60 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 Wintrust Financial (WTFC) 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.

Wintrust Financial (WTFC) at 1.49 sits near its industry’s typical P/B ratio, while Credicorp (BAP) at 2.57 prices above its benchmark range — BAP looks rich relative to book.

Valuation Metrics