BAP vs GFI

For growth investors, Gold Fields Limited (GFI) is the stronger pick with 15.

6% revenue growth year-over-year, versus 6. 4% for Credicorp Ltd. (BAP). Credicorp Ltd. (BAP) offers the better valuation at 16. 1x trailing P/E (3. 4x forward), making it the more compelling value choice. Analysts rate Credicorp Ltd. (BAP) a "Hold" — based on 15 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.

On trailing P/E, Credicorp Ltd.

(BAP) is the cheapest at 16. 1x versus Gold Fields Limited at 32. 5x. On forward P/E, Credicorp Ltd. is actually cheaper at 3. 4x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Gold Fields Limited wins at 0. 16x versus Credicorp Ltd. 's 0. 64x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Gold Fields Limited (GFI) delivered a total return of +361.

9%, compared to +194. 5% for Credicorp Ltd. (BAP). Over 10 years, the gap is even starker: GFI returned +1087% versus BAP's +181. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Credicorp Ltd.

(BAP) is the lower-risk stock at 0. 81β versus Gold Fields Limited's 0. 86β — meaning GFI is approximately 6% more volatile than BAP relative to the S&P 500. On balance sheet safety, Gold Fields Limited (GFI) carries a lower debt/equity ratio of 55% versus 107% for Credicorp Ltd. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Gold Fields Limited (GFI) is pulling ahead at 15.

6% versus 6. 4% for Credicorp Ltd. (BAP). On earnings-per-share growth, the picture is similar: Gold Fields Limited grew EPS 79. 2% year-over-year, compared to 13. 1% for Credicorp Ltd.. 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.

Gold Fields Limited (GFI) is the more profitable company, earning 23.

9% net margin versus 20. 4% for Credicorp Ltd. — meaning it keeps 23. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GFI leads at 40. 2% versus 29. 0% for BAP. At the gross margin level — before operating expenses — BAP leads at 64. 2%, 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.

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, Gold Fields Limited (GFI) is the more undervalued stock at a PEG of 0. 16x versus Credicorp Ltd. 's 0. 64x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Credicorp Ltd. (BAP) trades at 3. 4x forward P/E versus 7. 6x for Gold Fields Limited — 4. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BAP: 26. 9% to $408. 00.

All stocks in this comparison pay dividends.

Credicorp Ltd. (BAP) offers the highest yield at 4. 1%, versus 0. 9% for Gold Fields Limited (GFI).

For long-horizon retirement investors, Gold Fields Limited (GFI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

86), 0. 9% yield, +1087% 10Y return). Both have compounded well over 10 years (GFI: +1087%, BAP: +181. 0%), 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.

These companies operate in different sectors (BAP (Financial Services) and GFI (Basic Materials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: BAP is a mid-cap deep-value stock; GFI is a mid-cap high-growth stock. 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.