Credicorp Ltd (BAP)vsICICI Bank Limited (IBN)
BAP
Credicorp Ltd
$338.90
+2.62%
FINANCIAL SERVICES · Cap: $26.21B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 9198% more annual revenue ($1.92T vs $20.70B). BAP leads profitability with a 33.5% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. BAP earns a higher WallStSmart Score of 75/100 (B).
BAP
Strong Buy75
out of 100
Grade: B
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+70.3%
Fair Value
$1157.36
Current Price
$338.90
$818.46 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.2% YoY
Strong operational efficiency at 34.0%
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
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
3.0% revenue growth
Earnings declined 3.7%
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 33.5% and operating margin at 43.0%.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : BAP
The primary concerns for BAP are PEG Ratio, Free Cash Flow, Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BAP carries more volatility with a beta of 0.90 — expect wider price swings.
BAP is growing revenue faster at 5.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BAP scores higher overall (75/100 vs 69/100), backed by strong 33.5% margins. Both earn "Strong 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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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