BAP
Credicorp Ltd.
Banks - Regional
Market Cap$25.51B
5Y Perf.+133.3%
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Stock Comparison
BAP vs BBAR
Revenue, margins, valuation, and 5-year total return — side by side.
BBAR
Banco BBVA Argentina S.A.
Banks - Regional
Market Cap$3.14B
5Y Perf.+384.5%
BAP vs BBAR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BAP | BBAR |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $25.51B | $3.14B |
| Revenue (TTM) | $27.00B | $5.20T |
| Net Income (TTM) | $6.47B | $258.90B |
| Gross Margin | 64.2% | 65.9% |
| Operating Margin | 29.0% | 8.5% |
| Forward P/E | 3.4x | 0.0x |
| Total Debt | $37.49B | $349.00B |
| Cash & Equiv. | $47.51B | $2.82T |
BAP vs BBAR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BAP
BBAR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Credicorp Ltd. (BAP) | 100 | 233.3 | +133.3% |
| Banco BBVA Argentin… (BBAR) | 100 | 484.5 | +384.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BAP vs BBAR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BAP leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Banco BBVA Argentina S.A. is the stronger pick specifically for valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
BAP
Credicorp Ltd.
The Banking Pick
BAP carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 3 yrs, beta 0.81, yield 4.1%
- Rev growth 6.4%, EPS growth 13.1%
- 181.0% 10Y total return vs BBAR's -9.5%
Best for: income & stability and growth exposure
BBAR
Banco BBVA Argentina S.A.
The Banking Pick
BBAR is the clearest fit if your priority is valuation efficiency and bank quality.
- PEG 0.00 vs BAP's 0.64
- NIM 20.3% vs BAP's 5.5%
- Lower P/E (0.0x vs 3.4x), PEG 0.00 vs 0.64
Best for: valuation efficiency and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BAP | 6.4% NII/revenue growth vs BBAR's -31.1% |
| Value | BBAR | Lower P/E (0.0x vs 3.4x), PEG 0.00 vs 0.64 |
| Quality / Margins | BAP | Efficiency ratio 0.4% vs BBAR's 0.6% (lower = leaner) |
| Stability / Safety | BAP | Beta 0.81 vs BBAR's 2.02 |
| Dividends | BAP | 4.1% yield, 3-year raise streak, vs BBAR's 2.1% |
| Momentum (1Y) | BAP | +66.0% vs BBAR's -21.3% |
| Efficiency (ROA) | BAP | Efficiency ratio 0.4% vs BBAR's 0.6% |
BAP vs BBAR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBAPLAGGINGBBAR
BBARBanco BBVA Argentina …
1leads
BAPCredicorp Ltd.
4leads
6 Total Categories
CATEGORYLEADERvs BBARMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BAP4/5
Valuation MetricsMultiples, price ratios, and targets
BBAR6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BAP6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
BAP2/2
Analyst OutlookRatings, price targets, and dividends
BAP2/2
Income & Cash Flow (Last 12 Months)
BAP leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BBAR is the larger business by revenue, generating $5.20T annually — 192.6x BAP's $27.0B. BAP is the more profitable business, keeping 20.4% of every revenue dollar as net income compared to BBAR's 6.9%.
| Metric | BAPCredicorp Ltd. | BBARBanco BBVA Argent… |
|---|---|---|
| RevenueTrailing 12 months | $27.0B | $5.20T |
| EBITDAEarnings before interest/tax | $10.4B | $421.5B |
| Net IncomeAfter-tax profit | $6.5B | $258.9B |
| Free Cash FlowCash after capex | $4.6B | -$3.96T |
| Gross MarginGross profit ÷ Revenue | +64.2% | +65.9% |
| Operating MarginEBIT ÷ Revenue | +29.0% | +8.5% |
| Net MarginNet income ÷ Revenue | +20.4% | +6.9% |
| FCF MarginFCF ÷ Revenue | +49.7% | -102.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +14.1% | -64.8% |
BAP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
BBAR leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 12.3x trailing earnings, BBAR trades at a 23% valuation discount to BAP's 16.1x P/E. Adjusting for growth (PEG ratio), BBAR offers better value at 0.20x vs BAP's 3.08x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | BAPCredicorp Ltd. | BBARBanco BBVA Argent… |
|---|---|---|
| Market CapShares × price | $25.5B | $3.1B |
| Enterprise ValueMkt cap + debt − cash | $22.6B | $1.4B |
| Trailing P/EPrice ÷ TTM EPS | 16.11x | 12.33x |
| Forward P/EPrice ÷ next-FY EPS est. | 3.37x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | 3.08x | 0.20x |
| EV / EBITDAEnterprise value multiple | 9.16x | 3.61x |
| Price / SalesMarket cap ÷ Revenue | 3.27x | 0.84x |
| Price / BookPrice ÷ Book value/share | 2.53x | 1.67x |
| Price / FCFMarket cap ÷ FCF | 6.59x | — |
BBAR leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
BAP leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
BAP delivers a 17.4% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $9 for BBAR. BBAR carries lower financial leverage with a 0.13x debt-to-equity ratio, signaling a more conservative balance sheet compared to BAP's 1.07x. On the Piotroski fundamental quality scale (0–9), BAP scores 8/9 vs BBAR's 4/9, reflecting strong financial health.
| Metric | BAPCredicorp Ltd. | BBARBanco BBVA Argent… |
|---|---|---|
| ROE (TTM)Return on equity | +17.4% | +9.1% |
| ROA (TTM)Return on assets | +2.5% | +1.4% |
| ROICReturn on invested capital | +8.2% | +10.7% |
| ROCEReturn on capital employed | +10.1% | +8.7% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 4 |
| Debt / EquityFinancial leverage | 1.07x | 0.13x |
| Net DebtTotal debt minus cash | -$10.0B | -$2.47T |
| Cash & Equiv.Liquid assets | $47.5B | $2.82T |
| Total DebtShort + long-term debt | $37.5B | $349.0B |
| Interest CoverageEBIT ÷ Interest expense | 1.99x | 0.16x |
BAP leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — BAP and BBAR each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BBAR five years ago would be worth $63,418 today (with dividends reinvested), compared to $29,447 for BAP. Over the past 12 months, BAP leads with a +66.0% total return vs BBAR's -21.3%. The 3-year compound annual growth rate (CAGR) favors BBAR at 60.4% vs BAP's 33.7% — a key indicator of consistent wealth creation.
| Metric | BAPCredicorp Ltd. | BBARBanco BBVA Argent… |
|---|---|---|
| YTD ReturnYear-to-date | +12.2% | -13.6% |
| 1-Year ReturnPast 12 months | +66.0% | -21.3% |
| 3-Year ReturnCumulative with dividends | +138.9% | +312.5% |
| 5-Year ReturnCumulative with dividends | +194.5% | +534.2% |
| 10-Year ReturnCumulative with dividends | +181.0% | -9.5% |
| CAGR (3Y)Annualised 3-year return | +33.7% | +60.4% |
Evenly matched — BAP and BBAR each lead in 3 of 6 comparable metrics.
Risk & Volatility
BAP leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
BAP is the less volatile stock with a 0.81 beta — it tends to amplify market swings less than BBAR's 2.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BAP currently trades 84.6% from its 52-week high vs BBAR's 66.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BAPCredicorp Ltd. | BBARBanco BBVA Argent… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.81x | 2.02x |
| 52-Week HighHighest price in past year | $380.20 | $23.10 |
| 52-Week LowLowest price in past year | $193.13 | $7.76 |
| % of 52W HighCurrent price vs 52-week peak | +84.6% | +66.5% |
| RSI (14)Momentum oscillator 0–100 | 48.1 | 54.7 |
| Avg Volume (50D)Average daily shares traded | 358K | 669K |
BAP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
BAP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BAP as "Hold" and BBAR as "Buy". Consensus price targets imply 26.9% upside for BAP (target: $408) vs 4.2% for BBAR (target: $16). For income investors, BAP offers the higher dividend yield at 4.14% vs BBAR's 2.08%.
| Metric | BAPCredicorp Ltd. | BBARBanco BBVA Argent… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $408.00 | $16.00 |
| # AnalystsCovering analysts | 15 | 3 |
| Dividend YieldAnnual dividend ÷ price | +4.1% | +2.1% |
| Dividend StreakConsecutive years of raises | 3 | 1 |
| Dividend / ShareAnnual DPS | $46.03 | $443.65 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | 0.0% |
BAP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BAP leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). BBAR leads in 1 (Valuation Metrics). 1 tied.
Best OverallCredicorp Ltd. (BAP)Leads 4 of 6 categories
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BAP vs BBAR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BAP or BBAR a better buy right now?
For growth investors, Credicorp Ltd.
(BAP) is the stronger pick with 6. 4% revenue growth year-over-year, versus -31. 1% for Banco BBVA Argentina S. A. (BBAR). Banco BBVA Argentina S. A. (BBAR) offers the better valuation at 12. 3x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Banco BBVA Argentina S. A. (BBAR) a "Buy" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BAP or BBAR?
On trailing P/E, Banco BBVA Argentina S.
A. (BBAR) is the cheapest at 12. 3x versus Credicorp Ltd. at 16. 1x. On forward P/E, Banco BBVA Argentina S. A. is actually cheaper at 0. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Banco BBVA Argentina S. A. wins at 0. 00x versus Credicorp Ltd. 's 0. 64x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — BAP or BBAR?
Over the past 5 years, Banco BBVA Argentina S.
A. (BBAR) delivered a total return of +534. 2%, compared to +194. 5% for Credicorp Ltd. (BAP). Over 10 years, the gap is even starker: BAP returned +181. 0% versus BBAR's -9. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BAP or BBAR?
By beta (market sensitivity over 5 years), Credicorp Ltd.
(BAP) is the lower-risk stock at 0. 81β versus Banco BBVA Argentina S. A. 's 2. 02β — meaning BBAR is approximately 148% more volatile than BAP relative to the S&P 500. On balance sheet safety, Banco BBVA Argentina S. A. (BBAR) carries a lower debt/equity ratio of 13% versus 107% for Credicorp Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — BAP or BBAR?
By revenue growth (latest reported year), Credicorp Ltd.
(BAP) is pulling ahead at 6. 4% versus -31. 1% for Banco BBVA Argentina S. A. (BBAR). On earnings-per-share growth, the picture is similar: Credicorp Ltd. grew EPS 13. 1% year-over-year, compared to -1. 4% for Banco BBVA Argentina S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BAP or BBAR?
Credicorp Ltd.
(BAP) is the more profitable company, earning 20. 4% net margin versus 6. 9% for Banco BBVA Argentina S. A. — meaning it keeps 20. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BAP leads at 29. 0% versus 8. 5% for BBAR. At the gross margin level — before operating expenses — BBAR leads at 65. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BAP or BBAR more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Banco BBVA Argentina S. A. (BBAR) is the more undervalued stock at a PEG of 0. 00x versus Credicorp Ltd. 's 0. 64x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Banco BBVA Argentina S. A. (BBAR) trades at 0. 0x forward P/E versus 3. 4x for Credicorp Ltd. — 3. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BAP: 26. 9% to $408. 00.
08Which pays a better dividend — BAP or BBAR?
All stocks in this comparison pay dividends.
Credicorp Ltd. (BAP) offers the highest yield at 4. 1%, versus 2. 1% for Banco BBVA Argentina S. A. (BBAR).
09Is BAP or BBAR better for a retirement portfolio?
For long-horizon retirement investors, Credicorp Ltd.
(BAP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 81), 4. 1% yield, +181. 0% 10Y return). Banco BBVA Argentina S. A. (BBAR) carries a higher beta of 2. 02 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (BAP: +181. 0%, BBAR: -9. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BAP and BBAR?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BAP: 6.4% · BBAR: -31.1%)Net Margin>
%
(BAP: 20.4% · BBAR: 6.9%)P/E Ratio<
x
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