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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 (Credicorp Ltd.) is Peru's largest financial holding company, while IFS (Intercorp Financial Services Inc.) is a smaller, faster-growing financial group operating in the same market.
- Both stocks posted record quarterly earnings in recent periods, supported by lower credit costs, healthy loan growth, and a resilient Peruvian economy.
- BAP offers greater scale, a higher dividend yield, and a more diversified regional footprint, while IFS trades at a lower valuation multiple with stronger earnings momentum in insurance and wealth management.
- Relative performance favors BAP over the past year, though IFS has narrowed the gap through steady earnings recovery.
- Both companies face shared macro risks, including Peru's political election cycle, El Niño weather effects, and global inflation and energy-price volatility.
Introduction
Investors tracking Latin American financials frequently weigh BAP and IFS as two distinct ways to gain exposure to Peru's banking and financial-services sector. Credicorp is the country's dominant universal-banking franchise, while Intercorp Financial Services is a smaller, multi-line group spanning banking, insurance, and wealth management. This stock comparison is most relevant for investors evaluating relative performance, market positioning, and risk profiles among emerging-market financial names. Both companies have delivered record profitability in recent quarters, yet they differ meaningfully in scale, valuation, and growth drivers, making the trade-off between the two a useful case study in sector rotation and momentum analysis.
BAP Overview and Recent Performance
BAP, or Credicorp Ltd., is a Peru-headquartered financial holding company with operations spanning universal banking, microfinance, insurance, and wealth management across Peru and several neighboring markets. Its flagship Banco de Crédito del Perú (BCP) anchors the group, while its digital wallet Yape has become a major engagement and fee-income driver with roughly 16 million monthly active users.
In recent market activity, BAP has delivered strong relative performance, with a return on equity (ROE, a measure of profitability relative to shareholder capital) consistently above 20% and record quarterly net income supported by resilient net interest margins, lower cost of risk, and double-digit fee growth. Recent analyst actions have turned more constructive, including an upgrade to Buy from a major global bank. Sentiment has been buoyed by improving asset quality, favorable commodity prices, and steady loan growth, although concerns around Peru's political calendar and rising operating and innovation investments have kept some investors cautious. The stock's valuation has re-rated meaningfully after a multi-year rally, prompting debate over whether the current multiple fully reflects its growth trajectory.
IFS Overview and Recent Performance
IFS, or Intercorp Financial Services Inc., is a Peru-focused financial group operating through three main units: Interbank (banking), Interseguro (insurance), and Inteligo (wealth management). It has positioned itself around higher-yielding lending, digital payments through its Plin platform, and a consumer-finance ecosystem expanded through a partnership with retail group InRetail to acquire InFinance XP.
In recent quarters, IFS has reported record net income, with ROE above 19% and year-over-year profit growth of roughly 35%. Results were driven by a multi-year low in cost of risk, double-digit growth in insurance and wealth management, and a recovering risk-adjusted net interest margin (the spread between lending income and funding costs, adjusted for credit risk). The company has also been investing heavily in technology and generative artificial intelligence, lifting its cost-to-income ratio in the near term. While IFS has underperformed its broader industry over the past year, its lower valuation multiple and improving fundamentals have drawn a mix of Buy and Hold ratings from analysts.
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Head-to-Head Comparison
The clearest contrast between these two stocks is scale versus valuation. BAP carries a market capitalization roughly five times larger than IFS and offers a more diversified geographic footprint and a higher dividend yield. In contrast, IFS trades at a lower price-to-earnings ratio, reflecting its smaller size, concentrated Peru exposure, and heavier technology spending.
On growth drivers, BAP leans on its dominant retail and microfinance franchises plus the monetization of Yape, while IFS is expanding faster in higher-yielding consumer and small-business lending and in insurance and wealth management. On recent momentum, BAP has posted stronger trailing returns, whereas IFS has shown more pronounced earnings acceleration off a lower base. Both face similar risk factors tied to Peru's political cycle, currency depreciation, inflation pressures, and El Niño-related weather disruptions, though BAP's regional diversification provides a modest buffer that IFS lacks.
Tickeron AI Verdict
Based on observable factors such as trend consistency, stability, catalyst quality, and relative positioning, Tickeron's AI would likely lean toward BAP at this juncture. Its larger scale, stronger trailing momentum, consistent above-20% ROE, and diversified income streams tend to register as more stable and trend-persistent signals in a quantitative framework. That said, IFS presents a compelling value-and-recovery profile that could outperform under specific momentum or mean-reversion strategies. The assessment is probabilistic rather than definitive, and the preferred choice ultimately depends on the individual bot's strategy, timeframe, and risk parameters.
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 IFS is a StrongBuy.
BAP in upward trend: 10-day moving average broke 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 (0.773) is normal, around the industry mean (1.268). P/E Ratio (3.996) 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 (0.156) 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.
IFS in upward trend: price may ascend as a result of having broken its lower Bollinger Band on October 22, 2026
IFS may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 23 of 28 cases where IFS's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 82%.
Technical Analysis (Indicators)
Bullish Trend Analysis
Following a +2.94% 3-day Advance, the price is estimated to grow further. Considering data from situations where IFS advanced for three days, in 220 of 313 cases, the price rose further within the following month. The odds of a continued upward trend are 70%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 30 of 59 cases where IFS's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 51%.
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 IFS as a result. In 44 of 92 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 48%.
The Moving Average Convergence Divergence Histogram (MACD) for IFS 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 40 similar instances when the indicator turned negative. In 21 of the 40 cases the stock turned lower in the days that followed. This puts the odds of success at 52%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where IFS 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 58%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 7 (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 11 (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 13 (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: IFS's P/B Ratio (0.443) is slightly lower than the industry average of (1.268). P/E Ratio (2.734) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.030) is also within normal values, averaging (1.190). IFS's Dividend Yield (0.139) is considerably higher than the industry average of (0.035). P/S Ratio (2.936) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. IFS’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 94 (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 | IFS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 11 | 63 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 19 Undervalued | 13 Undervalued | |
PROFIT vs RISK RATING 1..100 | 2 | 11 | |
SMR RATING 1..100 | 4 | 7 | |
PRICE GROWTH RATING 1..100 | 41 | 47 | |
P/E GROWTH RATING 1..100 | 93 | 94 | |
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 (13) in the null industry is in the same range as BAP (19) 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 (2) in the Regional Banks industry is in the same range as IFS (11) in the null industry. This means that BAP’s stock grew similarly to IFS’s over the last 12 months.
BAP's SMR Rating (4) in the Regional Banks industry is in the same range as IFS (7) 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 (41) in the Regional Banks industry is in the same range as IFS (47) 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 (93) in the Regional Banks industry is in the same range as IFS (94) 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 | N/A |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 51% |
| Momentum ODDS (%) | 2 days ago 57% | 2 days ago 48% |
| MACD ODDS (%) | 2 days ago 53% | 2 days ago 52% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 58% |
| TrendMonth ODDS (%) | 2 days ago 55% | 2 days ago 53% |
| Advances ODDS (%) | 8 days ago 69% | 15 days ago 70% |
| Declines ODDS (%) | 2 days ago 55% | 2 days ago 58% |
| BollingerBands ODDS (%) | 2 days ago 71% | 2 days ago 82% |
| Aroon ODDS (%) | 2 days ago 71% | N/A |
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 IFS’s FA Score has 3 green FA rating(s).
- BAP’s FA Score: 3 green, 2 red.
- IFS’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 IFS’s TA Score has 2 bullish TA indicator(s).
- BAP’s TA Score: 4 bullish, 5 bearish.
- IFS’s TA Score: 2 bullish, 4 bearish.
Price Growth
BAP (@Regional Banks) experienced а -4.47% price change this week, while IFS (@Regional Banks) price change was -4.92% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.20%. For the same industry, the average monthly price growth was +1.50%, and the average quarterly price growth was +9.03%.
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 (+2.20% 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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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 76% 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.
| Ticker / NAME | Correlation To BAP | 1D Price Change % | ||
|---|---|---|---|---|
| BAP | 100% | -4.46% | ||
| IFS - BAP | 76% Closely correlated | -3.30% | ||
| BSAC - BAP | 55% Loosely correlated | -3.09% | ||
| BCH - BAP | 52% Loosely correlated | -2.80% | ||
| CIB - BAP | 50% Loosely correlated | -0.98% | ||
| INTR - BAP | 49% Loosely correlated | -4.55% | ||
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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 76% 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% | -3.30% | ||
| BAP - IFS | 76% Closely correlated | -4.46% | ||
| BSAC - IFS | 53% Loosely correlated | -3.09% | ||
| BCH - IFS | 50% Loosely correlated | -2.80% | ||
| CIB - IFS | 43% Loosely correlated | -0.98% | ||
| BSBR - IFS | 42% Loosely correlated | -3.00% | ||
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