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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
- Both BAP and IFS are leading Peruvian financial services holding companies with exposure to banking, insurance, wealth management, and payments.
- Year-to-date returns through early August 2026 show strong performance for both stocks, with BAP posting slightly higher gains in several comparison periods.
- BAP maintains a significantly larger market capitalization and broader regional operations compared to IFS.
- Upcoming second-quarter 2026 earnings releases—IFS on August 11 and BAP on August 13—represent key near-term catalysts for both companies.
- Relative performance reflects Peru’s economic environment, with both stocks benefiting from regional banking sector momentum in recent weeks.
- Valuation metrics and dividend yields differ, offering investors distinct trade-offs in growth versus income exposure.
Introduction
Credicorp Ltd. (BAP) and Intercorp Financial Services Inc. (IFS) are two prominent Peruvian financial holding companies operating in the same core market. This comparison examines their business profiles, recent stock behavior, and relative positioning for traders and investors seeking exposure to Latin American banking and financial services. The analysis focuses on observable metrics such as market capitalization, performance trends, and upcoming earnings, providing a neutral framework for evaluating these stocks in the current environment.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP) operates as a diversified financial services provider through segments including universal banking, insurance, pensions, microfinance, and investment management. Its primary operations center in Peru with additional presence in several Latin American countries. In recent market activity, BAP has demonstrated resilience amid regional economic factors, contributing to solid year-to-date gains. Market sentiment has been influenced by the broader banking sector outlook and anticipation of second-quarter 2026 results scheduled for release on August 13. The stock’s larger scale and diversified revenue streams have supported relative stability during recent weeks of trading.
IFS Overview and Recent Performance
Intercorp Financial Services Inc. (IFS) provides banking, insurance, wealth management, and payment services primarily to retail and commercial clients in Peru. As a holding company, it operates through key subsidiaries focused on consumer finance and related ecosystems. Recent performance has reflected positive momentum in the Peruvian financial sector, with year-to-date returns remaining competitive. Investor attention has centered on the company’s upcoming second-quarter 2026 earnings release on August 11, which may provide further clarity on operational trends. IFS has maintained steady positioning amid sector-wide developments in recent market activity.
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Head-to-Head Comparison
In business model terms, BAP offers greater geographic diversification beyond Peru, while IFS maintains a more concentrated focus on the domestic market with emphasis on consumer-facing services. Growth drivers for both include Peru’s banking penetration and economic recovery, though BAP’s larger asset base provides scale advantages in universal banking and pensions. Recent momentum has favored both stocks, with BAP showing marginally stronger year-to-date returns in available comparisons. Risk factors include regulatory changes in Peru and currency fluctuations, with IFS potentially exhibiting higher sensitivity due to its smaller size. Sector exposure remains aligned in financial services, yet market sentiment reflects differing valuations, where IFS has traded at a lower price-to-earnings multiple in recent periods. Trade-offs center on BAP’s stability versus IFS’s potentially higher growth sensitivity.
Tickeron AI Verdict
Based on observable factors such as trend consistency, market capitalization scale, and relative positioning in recent periods, Tickeron’s AI would currently assign a modestly higher probabilistic preference to BAP for its demonstrated resilience and broader operational footprint. This assessment remains conditional on upcoming earnings outcomes and broader market conditions.
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 LimitationsTo 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 Hold and IFS is a Hold.
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 whileIFS’s FA Score has 4 green FA rating(s).
- BAP’s FA Score: 3 green, 2 red.
- IFS’s FA Score: 4 green, 1 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 3 bullish TA indicator(s).
- BAP’s TA Score: 4 bullish, 4 bearish.
- IFS’s TA Score: 3 bullish, 5 bearish.
Price Growth
BAP (@Regional Banks) experienced а -1.91% price change this week, while IFS (@Regional Banks) price change was +0.37% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -2.32%. For the same industry, the average monthly price growth was +0.91%, and the average quarterly price growth was +9.01%.
Reported Earning Dates
BAP is expected to report earnings on Nov 09, 2026.
IFS is expected to report earnings on Nov 09, 2026.
Industries' Descriptions
@Regional Banks (-2.32% 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 | 30.1B | 6.06B | 497% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 32.045 | 34.854 | 92% |
| P/E Ratio | 14.05 | 10.07 | 140% |
| Revenue | 24.6B | 7.13B | 345% |
| Total Cash | N/A | N/A | - |
| Total Debt | 25B | 12.3B | 203% |
BAP | IFS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 61 | 59 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 49 Fair valued | 25 Undervalued | |
PROFIT vs RISK RATING 1..100 | 4 | 10 | |
SMR RATING 1..100 | 6 | 10 | |
PRICE GROWTH RATING 1..100 | 46 | 48 | |
P/E GROWTH RATING 1..100 | 28 | 29 | |
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.
IFS's Valuation (25) in the null industry is in the same range as BAP (49) 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 (4) in the Regional Banks industry is in the same range as IFS (10) in the null industry. This means that BAP’s stock grew similarly to IFS’s over the last 12 months.
BAP's SMR Rating (6) in the Regional Banks industry is in the same range as IFS (10) in the null industry. This means that BAP’s stock grew similarly to IFS’s over the last 12 months.
BAP's Price Growth Rating (46) in the Regional Banks industry is in the same range as IFS (48) in the null industry. This means that BAP’s stock grew similarly to IFS’s over the last 12 months.
BAP's P/E Growth Rating (28) in the Regional Banks industry is in the same range as IFS (29) in the null industry. This means that BAP’s stock grew similarly to IFS’s over the last 12 months.
| BAP | IFS | |
|---|---|---|
| RSI ODDS (%) | N/A | 3 days ago 68% |
| Stochastic ODDS (%) | 3 days ago 66% | 3 days ago 70% |
| Momentum ODDS (%) | 3 days ago 53% | 3 days ago 51% |
| MACD ODDS (%) | N/A | N/A |
| TrendWeek ODDS (%) | 3 days ago 60% | 3 days ago 72% |
| TrendMonth ODDS (%) | 3 days ago 61% | 3 days ago 54% |
| Advances ODDS (%) | 3 days ago 70% | N/A |
| Declines ODDS (%) | 6 days ago 56% | 4 days ago 57% |
| BollingerBands ODDS (%) | 3 days ago 74% | 3 days ago 70% |
| Aroon ODDS (%) | 3 days ago 63% | 3 days ago 54% |
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