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BAP vs BSAC
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Banco Santander-Chile (BSAC) Stock Comparison
Key Takeaways
- BAP boasts stronger year-to-date gains of about 15%, outpacing BSAC's 1% amid recent market volatility in Latin American financials.
- Both stocks offer attractive yields—BAP at 4.3% and BSAC at 5%—with comparable trailing P/E ratios around 13, signaling value in the sector.
- BAP shows robust EPS growth of 41% quarterly YoY, contrasting BSAC's slight decline, driven by Peruvian economic recovery versus Chilean inflation pressures.
- BSAC exhibits lower beta (0.29 vs. 0.84), appealing for stability seekers, while BAP leads in one-year returns at 71% versus 31%.
- Market caps differ significantly: BAP at $26B exceeds BSAC's $14B, reflecting broader Peruvian exposure.
Introduction
This stock comparison pits Credicorp Ltd. (BAP), a leading Peruvian financial holding company, against Banco Santander-Chile (BSAC), Chile's largest bank by loans. Both operate in Latin America's dynamic banking sector, where macroeconomic shifts like inflation trends and regional growth influence relative performance. Traders seeking momentum in emerging markets or investors prioritizing dividends and stability may find value in analyzing their contrasts in growth, valuation, and risk profiles. This head-to-head review draws on recent market data to illuminate stock comparison dynamics, relative performance, and market positioning for informed decision-making.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP) is a diversified financial services provider primarily operating in Peru through BancoCredicorp, Mibanco (microfinance), and insurance arms. In recent market activity, BAP shares have demonstrated resilience, trading around $330 with a 52-week range of $193-$380. Year-to-date gains near 15% reflect positive sentiment from strong full-year profits of $1.94 billion and quarterly EPS growth of 41% YoY (earnings per share, a measure of profitability per share). Influences include robust loan portfolio expansion and digital banking gains amid Peru's economic rebound, though pre-earnings caution has tempered short-term momentum. A beta of 0.84 indicates moderate volatility relative to the market.
BSAC Overview and Recent Performance
Banco Santander-Chile (BSAC), a subsidiary of Spain's Banco Santander, dominates Chile's retail and commercial banking with focus on mortgages, consumer loans, and deposits. Shares hover near $30, within a 52-week range of $23-$38. Recent weeks saw mixed Q1 results with net income of CLP 273 billion and ROAE (return on average equity, a profitability gauge) at 23%, down slightly YoY due to lower inflation impacting net interest margins (NIM, spread between interest earned and paid). YTD performance lags at 1%, pressured by funding cost dynamics, yet a low beta of 0.29 underscores stability. Customer base growth to nearly 4.8 million bolsters long-term positioning.
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Head-to-Head Comparison
Credicorp Ltd. (BAP) and Banco Santander-Chile (BSAC) share regional banking models but diverge in scope: BAP's Peruvian focus includes microfinance for higher growth potential, while BSAC leverages Chile's stable economy via Santander's global backing for retail dominance. Growth drivers favor BAP with 41% EPS acceleration versus BSAC's contraction amid fading inflation boosts to NIM. Recent momentum tilts to BAP (71% one-year return) over BSAC (31%), though BSAC edges on yield (5% vs. 4.3%). Risk factors include BAP's higher beta exposing it to Peru's political shifts, contrasted by BSAC's lower volatility. Valuations align with trailing P/E near 13, but BAP's larger $26B cap signals broader exposure versus $14B.
Tickeron AI Verdict
Tickeron’s AI currently favors BAP due to superior trend consistency, YTD outperformance, EPS growth catalysts, and stronger relative positioning in Peru's recovering economy. While BSAC offers dividend appeal and lower risk, BAP's momentum suggests a higher probability of near-term gains, contingent on sustained regional stability.
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 Disclaimers and Limitations.
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 StrongBuy and BSAC is a Buy.
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 undervalued. 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 whileBSAC’s FA Score has 3 green FA rating(s).
- BAP’s FA Score: 3 green, 2 red.
- BSAC’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 5 TA indicator(s) are bullish while BSAC’s TA Score has 6 bullish TA indicator(s).
- BAP’s TA Score: 5 bullish, 5 bearish.
- BSAC’s TA Score: 6 bullish, 3 bearish.
Price Growth
BAP (@Regional Banks) experienced а +1.23% price change this week, while BSAC (@Regional Banks) price change was -3.53% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
BAP is expected to report earnings on Aug 13, 2026.
BSAC is expected to report earnings on Jul 30, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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.
| BAP | BSAC | BAP / BSAC | |
| Capitalization | 29.3B | 15.7B | 187% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 28.491 | 14.358 | 198% |
| P/E Ratio | 14.50 | 13.84 | 105% |
| Revenue | 24.6B | 2.86T | 1% |
| Total Cash | N/A | N/A | - |
| Total Debt | 25B | 13.7T | 0% |
BAP | BSAC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 7 | 22 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 54 Fair valued | 61 Fair valued | |
PROFIT vs RISK RATING 1..100 | 6 | 2 | |
SMR RATING 1..100 | 6 | 1 | |
PRICE GROWTH RATING 1..100 | 40 | 43 | |
P/E GROWTH RATING 1..100 | 28 | 28 | |
SEASONALITY SCORE 1..100 | n/a | 65 |
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.
BAP's Valuation (54) in the Regional Banks industry is in the same range as BSAC (61). This means that BAP’s stock grew similarly to BSAC’s over the last 12 months.
BSAC's Profit vs Risk Rating (2) in the Regional Banks industry is in the same range as BAP (6). This means that BSAC’s stock grew similarly to BAP’s over the last 12 months.
BSAC's SMR Rating (1) in the Regional Banks industry is in the same range as BAP (6). This means that BSAC’s stock grew similarly to BAP’s over the last 12 months.
BAP's Price Growth Rating (40) in the Regional Banks industry is in the same range as BSAC (43). This means that BAP’s stock grew similarly to BSAC’s over the last 12 months.
BAP's P/E Growth Rating (28) in the Regional Banks industry is in the same range as BSAC (28). This means that BAP’s stock grew similarly to BSAC’s over the last 12 months.
| BAP | BSAC | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 51% | N/A |
| Stochastic ODDS (%) | 1 day ago 48% | 1 day ago 62% |
| Momentum ODDS (%) | 1 day ago 77% | 1 day ago 70% |
| MACD ODDS (%) | 1 day ago 71% | 1 day ago 72% |
| TrendWeek ODDS (%) | 1 day ago 70% | 1 day ago 51% |
| TrendMonth ODDS (%) | 1 day ago 68% | 1 day ago 66% |
| Advances ODDS (%) | 12 days ago 69% | 8 days ago 68% |
| Declines ODDS (%) | 1 day ago 58% | 6 days ago 54% |
| BollingerBands ODDS (%) | 1 day ago 49% | 1 day ago 54% |
| Aroon ODDS (%) | 1 day ago 65% | 1 day ago 62% |
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BAP and
Correlation & Price change
A.I.dvisor indicates that over the last year, BAP has been closely correlated with IFS. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if BAP jumps, then IFS could also see price increases.
BSAC and
Correlation & Price change
A.I.dvisor indicates that over the last year, BSAC has been closely correlated with BCH. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSAC jumps, then BCH could also see price increases.
| Ticker / NAME | Correlation To BSAC | 1D Price Change % | ||
|---|---|---|---|---|
| BSAC | 100% | -1.92% | ||
| BCH - BSAC | 85% Closely correlated | -2.20% | ||
| BBD - BSAC | 65% Loosely correlated | N/A | ||
| ITUB - BSAC | 65% Loosely correlated | +0.13% | ||
| BSBR - BSAC | 62% Loosely correlated | -0.94% | ||
| CIB - BSAC | 57% Loosely correlated | -0.38% | ||
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