Credicorp Ltd (BAP)vsJPMorgan Chase & Co (JPM)
BAP
Credicorp Ltd
$361.19
-0.79%
FINANCIAL SERVICES · Cap: $29.40B
JPM
JPMorgan Chase & Co
$337.09
-1.89%
FINANCIAL SERVICES · Cap: $902.16B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 757% more annual revenue ($190.73B vs $22.27B). JPM leads profitability with a 34.6% profit margin vs 33.1%. JPM appears more attractively valued with a PEG of 1.57. BAP earns a higher WallStSmart Score of 73/100 (B).
BAP
Strong Buy73
out of 100
Grade: B
JPM
Strong Buy71
out of 100
Grade: B
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
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 42.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : BAP
The primary concerns for BAP are PEG Ratio, Altman Z-Score.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.
Key Dynamics to Monitor
JPM carries more volatility with a beta of 1.01 — expect wider price swings.
BAP is growing revenue faster at 12.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BAP scores higher overall (73/100 vs 71/100), backed by strong 33.1% margins and 12.0% revenue growth. 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.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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