Credicorp Ltd (BAP)vsICICI Bank Limited (IBN)
BAP
Credicorp Ltd
$361.19
-0.79%
FINANCIAL SERVICES · Cap: $29.40B
IBN
ICICI Bank Limited
$29.47
+1.17%
FINANCIAL SERVICES · Cap: $107.66B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 9426% more annual revenue ($2.12T vs $22.27B). BAP leads profitability with a 33.1% profit margin vs 27.8%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 81/100 (A-).
BAP
Strong Buy73
out of 100
Grade: B
IBN
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 4.5B in free cash flow
Strong operational efficiency at 37.5%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BAP
The strongest argument for BAP centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 33.1% and operating margin at 49.4%. Revenue growth of 12.0% demonstrates continued momentum.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.8% and operating margin at 37.5%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : BAP
The primary concerns for BAP are PEG Ratio, Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
BAP profiles as a mature stock while IBN is a growth play — different risk/reward profiles.
BAP carries more volatility with a beta of 0.87 — expect wider price swings.
IBN is growing revenue faster at 15.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (81/100 vs 73/100), backed by strong 27.8% margins and 15.8% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Credicorp Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Credicorp Ltd., a financial services holding company, offers various financial, insurance and health products and services primarily in Peru and internationally. The company is headquartered in Lima, Peru.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
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