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BAP vs BCH
Which Stock Would AI Choose? Credicorp (BAP) vs. Banco de Chile (BCH) Stock Comparison
1) Key Takeaways
- BAP has delivered substantially stronger share-price momentum, with a year-to-date total return roughly five times that of BCH, though both have outperformed the broader market.
- Credicorp is a diversified Peruvian financial conglomerate with a fast-growing digital ecosystem (Yape), while Banco de Chile is a more focused Chilean commercial bank with industry-leading efficiency.
- BCH currently offers a meaningfully higher dividend yield, while BAP carries stronger earnings growth and a recent analyst upgrade to Buy.
- The two banks diverge sharply on beta (a measure of volatility relative to the market): BCH is unusually stable, whereas BAP tracks broader market swings more closely.
- Both names face country-specific risks — political and weather-related uncertainty in Peru for BAP, and oil-driven inflation pressures in Chile for BCH.
2) Introduction
Investors looking for Latin American banking exposure often weigh Credicorp Ltd. (BAP) against Banco de Chile (BCH), two of the region's most prominent financial names trading on the NYSE. While both are banking franchises with strong profitability, their business models, growth profiles, and risk characteristics are quite different. This stock comparison is relevant for traders assessing relative performance and for longer-term investors evaluating market positioning across two distinct economies. In the sections that follow, we examine recent performance, key developments, and the head-to-head trade-offs that shape how these two stocks are being viewed in the current market environment.
2) BAP Overview and Recent Performance
Credicorp Ltd. is a Lima-based financial holding company operating across Peru and several neighboring markets. Its franchises span universal banking (BCP), microfinance (Mibanco), insurance and pensions (Grupo Pacifico), and wealth management. A defining feature of the company's recent story is Yape, its digital wallet, which has grown to nearly 16 million monthly active users and now contributes a meaningful share of group fee income.
In recent market activity, BAP has been among the stronger performers in its peer group. The company reported record quarterly net income in early 2026, with return on equity (ROE, a measure of profitability relative to shareholder capital) above 20%, improving asset quality, and accelerating loan growth. Net interest income and fee income both expanded at double-digit rates year over year. These results prompted HSBC to upgrade the stock from Hold to Buy, citing resilient margins and favorable macro conditions. Sentiment has been supported by Peru's relatively solid GDP growth and record copper prices, though investors remain mindful of election-related uncertainty and weather risks such as El Niño.
2) BCH Overview and Recent Performance
Banco de Chile is one of Chile's largest commercial banks, operating across retail, wholesale, treasury, and subsidiary segments. It is widely regarded for its efficiency, funding strength, and conservative balance sheet, and it holds a leading share of local-currency demand deposits in its home market.
Recent performance for BCH has been steady rather than spectacular. The bank reported strong quarterly profitability, with ROE in the high teens to high twenties depending on the quarter, and net interest margin (NIM, the spread between interest earned and interest paid) that has benefited from higher inflation-linked income as oil-driven price pressures lifted Chile's inflation readings. The bank has also delivered strong fee growth and an industry-leading efficiency ratio. However, momentum has been more restrained than its Peruvian counterpart, with a year-to-date return in the single digits. Analysts hold a broadly neutral consensus on the stock, and the company trimmed its full-year loan-growth guidance as Chile's macroeconomic activity came in weaker than expected.
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4) Head-to-Head Comparison
The core contrast between these two stocks is diversification versus focus. BAP is a multi-line conglomerate whose growth is increasingly tied to digital monetization through Yape and its microfinance franchise, giving it exposure to higher-growth but higher-risk lending. BCH, by comparison, is a more concentrated retail and wholesale bank known for disciplined cost control and capital strength, with a Common Equity Tier 1 (CET1, a key measure of bank capital adequacy) ratio in the high teens.
On growth and momentum, BAP holds a clear advantage, with faster loan growth, stronger recent earnings, and a rising price trend. On income and stability, BCH offers a higher dividend yield and a notably low beta, meaning its share price is less volatile than the broader market. Risk factors also differ: BAP faces Peruvian political and weather-related uncertainty, while BCH is more exposed to Chilean inflation dynamics and a slower domestic growth outlook. Market sentiment has favored BAP in recent months, reflected in analyst upgrades and stronger relative performance, whereas BCH carries a more neutral consensus rating.
5) Tickeron AI Verdict
Based on observable factors — trend consistency, earnings momentum, growth catalysts, and relative positioning — Tickeron's AI would likely lean toward BAP at present. The stock's combination of accelerating loan growth, record profitability, a recent analyst upgrade, and a stronger upward trend creates a more favorable technical and fundamental profile than the steadier but slower-moving BCH. That said, BCH's lower volatility and higher dividend yield may appeal to stability-oriented strategies. The AI's preference is expressed in probabilistic terms and reflects current conditions rather than a guaranteed outcome, as either stock's relative standing can shift with new earnings data or macro developments.
6) Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BAP is a Buy and BCH is a StrongBuy.
BAP in upward trend: 10-day moving average crossed above 50-day moving average on October 15, 2026
The 10-day moving average for BAP crossed bullishly above the 50-day moving average on October 15, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 73%.
Technical Analysis (Indicators)
Bullish Trend Analysis
Following a +1.65% 3-day Advance, the price is estimated to grow further. Considering data from situations where BAP advanced for three days, in 233 of 336 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
BAP may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 257 of 360 cases where BAP Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 71%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 33 of 57 cases where BAP's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 58%.
The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on BAP as a result. In 46 of 81 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 57%.
The Moving Average Convergence Divergence Histogram (MACD) for BAP turned negative on October 22, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 45 similar instances when the indicator turned negative. In 24 of the 45 cases the stock turned lower in the days that followed. This puts the odds of success at 53%.
BAP moved below its 50-day moving average on October 22, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BAP declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 55%.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 2 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 19 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.809) is normal, around the industry mean (1.268). P/E Ratio (4.183) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (1.040) is also within normal values, averaging (1.190). BAP's Dividend Yield (0.149) is considerably higher than the industry average of (0.035). P/S Ratio (4.088) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 41 (best 1 - 100 worst), indicating steady price growth. BAP’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 93 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
BCH's RSI Indicator ascends from oversold territory
The RSI Oscillator for BCH moved out of oversold territory on October 08, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 18 similar instances when the indicator left oversold territory. In 16 of the 18 cases the stock moved higher. This puts the odds of a move higher at 89%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for BCH just turned positive on October 19, 2026. Looking at past instances where BCH's MACD turned positive, the stock continued to rise in 43 of 56 cases over the following month. The odds of a continued upward trend are 77%.
Following a +2.03% 3-day Advance, the price is estimated to grow further. Considering data from situations where BCH advanced for three days, in 265 of 360 cases, the price rose further within the following month. The odds of a continued upward trend are 74%.
BCH may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 43 of 70 cases where BCH's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 61%.
The Momentum Indicator moved below the 0 level on October 22, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on BCH as a result. In 44 of 98 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 45%.
BCH moved below its 50-day moving average on September 28, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for BCH crossed bearishly below the 50-day moving average on September 29, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 7 of 15 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 47%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BCH declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 51%.
The Aroon Indicator for BCH entered a downward trend on October 13, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 1 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 1 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron Valuation Rating of 3 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: BCH's P/B Ratio (0.004) is slightly lower than the industry average of (1.268). P/E Ratio (0.017) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (2.479) is also within normal values, averaging (1.190). BCH's Dividend Yield (0.441) is considerably higher than the industry average of (0.035). BCH's P/S Ratio (6.418) is slightly higher than the industry average of (3.738).
The Tickeron Price Growth Rating for this company is 49 (best 1 - 100 worst), indicating steady price growth. BCH’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
BAP | BCH | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 11 | 7 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 19 Undervalued | 3 Undervalued | |
PROFIT vs RISK RATING 1..100 | 2 | 1 | |
SMR RATING 1..100 | 4 | 1 | |
PRICE GROWTH RATING 1..100 | 41 | 49 | |
P/E GROWTH RATING 1..100 | 93 | 97 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BCH's Valuation (3) in the Regional Banks industry is in the same range as BAP (19). This means that BCH’s stock grew similarly to BAP’s over the last 12 months.
BCH's Profit vs Risk Rating (1) in the Regional Banks industry is in the same range as BAP (2). This means that BCH’s stock grew similarly to BAP’s over the last 12 months.
BCH's SMR Rating (1) in the Regional Banks industry is in the same range as BAP (4). This means that BCH’s stock grew similarly to BAP’s over the last 12 months.
BAP's Price Growth Rating (41) in the Regional Banks industry is in the same range as BCH (49). This means that BAP’s stock grew similarly to BCH’s over the last 12 months.
BAP's P/E Growth Rating (93) in the Regional Banks industry is in the same range as BCH (97). This means that BAP’s stock grew similarly to BCH’s over the last 12 months.
| BAP | BCH | |
|---|---|---|
| RSI ODDS (%) | N/A | 1 day ago 89% |
| Stochastic ODDS (%) | 1 day ago 58% | 1 day ago 61% |
| Momentum ODDS (%) | 1 day ago 57% | 1 day ago 45% |
| MACD ODDS (%) | 1 day ago 53% | 1 day ago 77% |
| TrendWeek ODDS (%) | 1 day ago 57% | 1 day ago 46% |
| TrendMonth ODDS (%) | 1 day ago 55% | 1 day ago 43% |
| Advances ODDS (%) | 7 days ago 69% | 3 days ago 74% |
| Declines ODDS (%) | 1 day ago 55% | 1 day ago 51% |
| BollingerBands ODDS (%) | 1 day ago 71% | 1 day ago 82% |
| Aroon ODDS (%) | 1 day ago 71% | 1 day ago 45% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BAP’s FA Score shows that 3 FA rating(s) are green while BCH’s FA Score has 3 green FA rating(s).
- BAP’s FA Score: 3 green, 2 red.
- BCH’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BAP’s TA Score shows that 4 TA indicator(s) are bullish while BCH’s TA Score has 4 bullish TA indicator(s).
- BAP’s TA Score: 4 bullish, 5 bearish.
- BCH’s TA Score: 4 bullish, 6 bearish.
Price Growth
BAP (@Regional Banks) experienced а -4.47% price change this week, while BCH (@Regional Banks) price change was -1.46% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.71%. For the same industry, the average monthly price growth was +0.05%, and the average quarterly price growth was +9.08%.
Reported Earning Dates
BAP is expected to report earnings on Nov 09, 2026.
BCH is expected to report earnings on Oct 30, 2026.
Industries' Descriptions
@Regional Banks (+2.71% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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