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BAP vs IFS
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Intercorp Financial Services Inc. (IFS) Stock Comparison
Key Takeaways
- BAP shows stronger YTD performance at 15.16% compared to IFS's 10.26%, with superior 1-year gains of 71.20% versus 35.30%.
- BAP boasts a larger market cap of $26.23B and broader regional operations across multiple Latin American countries and beyond.
- Both stocks trade at attractive valuations, with IFS at a lower P/E ratio of 9.36 versus BAP's 13.50, appealing to value-oriented investors.
- Recent market activity reveals volatility for both, with BAP demonstrating resilience near its 50-day moving average amid upcoming Q1 earnings.
- Peruvian financial sector exposure links the two, but BAP's diversified segments including microfinance provide more stability.
- Dividend yields remain competitive, with BAP at 4.31% and IFS at 4.03%, supporting income-focused strategies.
Introduction
Credicorp Ltd. (BAP) and Intercorp Financial Services Inc. (IFS) represent key players in the Latin American financial sector, particularly with strong roots in Peru. This stock comparison evaluates their relative performance, business models, and market positioning in the current environment. Investors seeking exposure to emerging market banking, insurance, and wealth management may find value in analyzing these peers, especially amid regional economic shifts and global interest rate dynamics. Traders focused on stock comparison and relative performance will benefit from insights into momentum, valuation, and sector-specific catalysts.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP), headquartered in Lima, Peru, is a financial services holding company founded in 1889. It operates through Universal Banking, Insurance and Pensions, Microfinance, and Investment Management segments, serving customers across Peru, Colombia, Bolivia, Panama, Chile, and other regions. The company provides loans, deposits, insurance products, pension management, and brokerage services, emphasizing digital platforms and microenterprise financing.
In recent market activity, BAP has traded around $330, reflecting YTD gains of 15.16% and 1-year returns of 71.20%, outperforming broader indices. Shares have shown volatility in recent weeks, hovering near the 50-day moving average of approximately $333 amid anticipation for Q1 2026 earnings on May 14. Sentiment has been supported by a robust dividend announcement of $50 per share (ex-date May 18) and institutional buying, with ownership at nearly 90%. Broader strength in Latin American banks, driven by stabilizing interest rates and credit growth, has bolstered performance, though emerging market risks temper upside.
IFS Overview and Recent Performance
Intercorp Financial Services Inc. (IFS), also based in Lima, Peru, and incorporated in 1897, delivers banking, insurance, wealth management, and payment services primarily to retail and commercial clients in Peru. As a subsidiary of Intercorp Perú Ltd., it offers loans, deposits, life insurance, brokerage, mutual funds, and digital payment processing through subsidiaries like Interbank and Interseguro.
Recently, IFS shares have fluctuated around $45, posting YTD returns of 10.26% and 1-year gains of 35.30%. Performance in recent weeks has been mixed, with a pullback from 52-week highs near $53, influenced by broader market rotations and a sharp sell-off earlier in the period. Key developments include a dividend increase to $1.80 per share (paid May 5) and strategic partnerships like the one with InRetail for consumer financing. Upcoming Q1 2026 earnings on May 11 are in focus, alongside recognitions as a top workplace. Positive net interest income (NII, net interest income) outlook from higher rates supports sentiment, balanced against localized economic pressures.
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Head-to-Head Comparison
Both BAP and IFS focus on Peruvian financial services but differ in scale and diversification. BAP's multi-country footprint and microfinance arm contrast with IFS's Peru-centric model emphasizing payments and retail banking. Growth drivers for BAP include regional expansion and digital lending, while IFS leverages ecosystem partnerships like InRetail for consumer finance.
Recent momentum favors BAP with higher returns and stability (beta 0.84), versus IFS's sharper corrections. Risk factors overlap in emerging market currency fluctuations and regulatory changes, but BAP's larger balance sheet ($26B market cap vs. $5B) offers resilience. Sector exposure is similar in banking (universal for both), yet BAP edges in insurance/pensions diversity. Market sentiment tilts toward BAP on earnings growth (EPS up 41% recently) and institutional interest, while IFS appeals for value (lower P/E) and dividend growth.
Tickeron AI Verdict
Tickeron’s AI currently favors BAP due to its trend consistency, superior relative performance, and stronger positioning ahead of Q1 earnings. Factors like higher YTD/1Y returns, diversified operations, and positive momentum suggest greater probability of near-term outperformance compared to IFS, though both benefit from regional tailwinds.
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. 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 Buy and IFS 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 2 FA rating(s) are green whileIFS’s FA Score has 2 green FA rating(s).
- BAP’s FA Score: 2 green, 3 red.
- IFS’s FA Score: 2 green, 3 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 IFS’s TA Score has 7 bullish TA indicator(s).
- BAP’s TA Score: 4 bullish, 5 bearish.
- IFS’s TA Score: 7 bullish, 3 bearish.
Price Growth
BAP (@Regional Banks) experienced а +1.65% price change this week, while IFS (@Regional Banks) price change was +4.18% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +4.63%. For the same industry, the average monthly price growth was +4.48%, and the average quarterly price growth was +10.24%.
Reported Earning Dates
BAP is expected to report earnings on Aug 13, 2026.
IFS is expected to report earnings on Aug 11, 2026.
Industries' Descriptions
@Regional Banks (+4.63% 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 | IFS | BAP / IFS | |
| Capitalization | 27.8B | 5.22B | 532% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 21.815 | 29.105 | 75% |
| P/E Ratio | 13.42 | 9.78 | 137% |
| Revenue | 24.6B | 7.13B | 345% |
| Total Cash | N/A | N/A | - |
| Total Debt | 25B | 12.3B | 203% |
BAP | IFS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 68 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 27 Undervalued | |
PROFIT vs RISK RATING 1..100 | 8 | 19 | |
SMR RATING 1..100 | 100 | 100 | |
PRICE GROWTH RATING 1..100 | 48 | 44 | |
P/E GROWTH RATING 1..100 | 31 | 65 | |
SEASONALITY SCORE 1..100 | n/a | n/a |
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.
IFS's Valuation (27) in the null industry is in the same range as BAP (47) in the Regional Banks industry. This means that IFS’s stock grew similarly to BAP’s over the last 12 months.
BAP's Profit vs Risk Rating (8) in the Regional Banks industry is in the same range as IFS (19) in the null industry. This means that BAP’s stock grew similarly to IFS’s over the last 12 months.
BAP's SMR Rating (100) in the Regional Banks industry is in the same range as IFS (100) in the null industry. This means that BAP’s stock grew similarly to IFS’s over the last 12 months.
IFS's Price Growth Rating (44) in the null industry is in the same range as BAP (48) in the Regional Banks industry. This means that IFS’s stock grew similarly to BAP’s over the last 12 months.
BAP's P/E Growth Rating (31) in the Regional Banks industry is somewhat better than the same rating for IFS (65) in the null industry. This means that BAP’s stock grew somewhat faster than IFS’s over the last 12 months.
| BAP | IFS | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 50% |
| Stochastic ODDS (%) | 2 days ago 66% | 2 days ago 67% |
| Momentum ODDS (%) | 2 days ago 56% | 2 days ago 84% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 72% |
| TrendWeek ODDS (%) | 2 days ago 70% | 2 days ago 71% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 69% |
| Advances ODDS (%) | 21 days ago 69% | 2 days ago 71% |
| Declines ODDS (%) | 3 days ago 58% | 6 days ago 61% |
| BollingerBands ODDS (%) | 2 days ago 59% | 2 days ago 61% |
| Aroon ODDS (%) | 2 days ago 56% | 2 days ago 66% |
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IFS and
Correlation & Price change
A.I.dvisor indicates that over the last year, IFS has been closely correlated with BAP. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if IFS jumps, then BAP could also see price increases.
| Ticker / NAME | Correlation To IFS | 1D Price Change % | ||
|---|---|---|---|---|
| IFS | 100% | +11.43% | ||
| BAP - IFS | 73% Closely correlated | +9.29% | ||
| BSAC - IFS | 53% Loosely correlated | +4.74% | ||
| BCH - IFS | 46% Loosely correlated | +6.05% | ||
| BSBR - IFS | 46% Loosely correlated | +1.15% | ||
| CIB - IFS | 44% Loosely correlated | +4.32% | ||
More | ||||