BAP
Price
$322.50
Change
-$4.03 (-1.23%)
Updated
Jun 5 closing price
Capitalization
25.94B
68 days until earnings call
Intraday BUY SELL Signals
BCH
Price
$36.48
Change
-$0.61 (-1.64%)
Updated
Jun 5 closing price
Capitalization
18.72B
54 days until earnings call
Intraday BUY SELL Signals
BSBR
Price
$5.24
Change
-$0.11 (-2.06%)
Updated
Jun 5 closing price
Capitalization
19.77B
46 days until earnings call
Intraday BUY SELL Signals
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BAP or BCH or BSBR

Header iconBAP vs BCH vs BSBR Comparison
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Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Banco de Chile (BCH) vs. Banco Santander (Brasil) S.A. (BSBR) Stock Comparison

Key Takeaways

  • Credicorp Ltd. (BAP) has demonstrated the strongest year-to-date momentum among the three, with shares up over 60% in the past year despite recent pullbacks.
  • Banco de Chile (BCH) maintains a solid capital position with a CET1 (Common Equity Tier 1 ratio, a key measure of bank capital adequacy) of 14.5%, supporting stability in volatile markets.
  • Banco Santander (Brasil) S.A. (BSBR) offers an attractive dividend yield around 5%, appealing to income-focused investors amid Brazil's economic recovery.
  • All three stocks have experienced recent price softness, down 4-7% over the past month, reflecting broader Latin American market sentiment shifts.
  • BAP trades at a lower P/E ratio of about 13, compared to BSBR's 18-20, indicating relative value in profitability metrics.
  • Recent earnings highlight improved asset quality across the board, with BAP achieving 19% ROE (return on equity, a profitability gauge).

Introduction

This stock comparison examines three prominent South American banks: Credicorp Ltd. (BAP), Banco de Chile (BCH), and Banco Santander (Brasil) S.A. (BSBR). Operating in Peru, Chile, and Brazil respectively, these institutions offer exposure to emerging market banking dynamics, including loan growth, net interest margins, and regional economic trends. Investors and traders interested in dividend yields, value plays, or Latin American recovery themes will find this analysis relevant for assessing relative performance and market positioning in the current environment.

BAP Overview and Recent Performance

Credicorp Ltd. (BAP) is a financial services holding company primarily operating through Banco de Crédito del Perú, providing retail banking, commercial lending, and insurance across Peru and select Latin American markets. In recent market activity, BAP shares have pulled back around 7% over the past month amid broader sector volatility, trading near $322 with a market cap of approximately $25.5 billion. This follows strong 2025 full-year results, including record net income and 19% ROE, driven by Peru's GDP growth and improved NII (net interest income). Sentiment has been influenced by solid asset quality, with lower NCO ratios (net charge-offs, the net value of loans written off), though currency fluctuations and rate sensitivities weigh on near-term momentum.

BCH Overview and Recent Performance

Banco de Chile (BCH), one of Chile's largest banks, offers a wide range of services including mortgages, consumer loans, and corporate banking, generating over 60% of revenue from NII. Shares have faced downward pressure in recent weeks, declining about 3% to around $36.60, with a market cap near $18.5 billion. Full-year 2025 net income reached CLP 1.2 trillion, supported by stable revenues and a robust CET1 ratio of 14.5%, alongside ROAA (return on average assets) of 2.2%. Performance reflects resilient provisions coverage at 223%, but has been tempered by economic slowdown concerns and competitive pressures in Chile's banking sector.

BSBR Overview and Recent Performance

Banco Santander (Brasil) S.A. (BSBR) provides comprehensive banking products to individuals and SMEs in Brazil, with a focus on retail and wholesale operations. In recent trading, BSBR has softened roughly 4% over the past month to about $5.80, maintaining a market cap around $22 billion and P/E near 18. Q1 2026 results showed net profit of R$3.8 billion and 16% ROE, fueled by loan portfolio expansion and favorable funding costs, though below some expectations. Sentiment is shaped by Brazil's interest rate environment and sustainable finance initiatives, offset by NCO pressures in a high-inflation context.

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Head-to-Head Comparison

These banks share universal models emphasizing retail lending and NII, but differ in growth drivers: BAP benefits from Peru's demand rebound, BCH from Chile's stability, and BSBR from Brazil's scale. Recent momentum favors BAP's 60% yearly rise versus peers' flatter or negative YTD shifts. Risk factors include currency volatility and rate hikes, with BCH showing lowest beta exposure. Valuation sensitivity highlights BAP's cheaper P/E amid higher ROE, while BSBR trades at a premium for yield. Market sentiment tilts toward Peruvian resilience over Brazilian inflation risks and Chilean moderation.

Tickeron AI Verdict

Tickeron's AI models currently lean toward BAP based on consistent trend strength, superior ROE at 19%, lower relative valuation, and positive catalysts like asset quality gains. While BCH offers stability and BSBR yield appeal, BAP's positioning suggests higher probability of outperformance in the near term amid regional recovery.

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

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COMPARISON
Comparison
Jun 06, 2026
Stock price -- (BAP: $322.50BCH: $36.48BSBR: $5.24)
Brand notoriety: BAP, BCH and BSBR are all not notable
The three companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BAP: 264%, BCH: 71%, BSBR: 102%
Market capitalization -- BAP: $25.94B, BCH: $18.72B, BSBR: $19.77B
$BAP is valued at $25.94B, while BCH has a market capitalization of $18.72B, and BSBR's market capitalization is $19.77B. The market cap for tickers in this @Regional Banks ranges from $142.82B to $0. The average market capitalization across the @Regional Banks industry is $5.94B.

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 whileBCH’s FA Score has 3 green FA rating(s), and BSBR’s FA Score reflects 2 green FA rating(s).

  • BAP’s FA Score: 2 green, 3 red.
  • BCH’s FA Score: 3 green, 2 red.
  • BSBR’s FA Score: 2 green, 3 red.
According to our system of comparison, BAP is a better buy in the long-term than BCH, which in turn is a better option than BSBR.

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 3 TA indicator(s) are bullish while BCH’s TA Score has 3 bullish TA indicator(s), and BSBR’s TA Score reflects 4 bullish TA indicator(s).

  • BAP’s TA Score: 3 bullish, 6 bearish.
  • BCH’s TA Score: 3 bullish, 6 bearish.
  • BSBR’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, BCH and BSBR are a better buy in the short-term than BAP.

Price Growth

BAP (@Regional Banks) experienced а -5.88% price change this week, while BCH (@Regional Banks) price change was -4.18% , and BSBR (@Regional Banks) price fluctuated -3.68% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.69%. For the same industry, the average monthly price growth was +0.66%, and the average quarterly price growth was +12.20%.

Reported Earning Dates

BAP is expected to report earnings on Aug 13, 2026.

BCH is expected to report earnings on Jul 30, 2026.

BSBR is expected to report earnings on Jul 22, 2026.

Industries' Descriptions

@Regional Banks (+0.69% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BAP($25.9B) has a higher market cap than BSBR($19.8B) and BCH($18.7B). BSBR has higher P/E ratio than BCH and BAP: BSBR (16.20) vs BCH (14.63) and BAP (12.35). BAP YTD gains are higher at: 12.369 vs. BCH (8.460) and BSBR (-7.863). BAP has less debt than BCH and BSBR: BAP (23.5B) vs BCH (13.41T) and BSBR (). BCH has higher revenues than BSBR and BAP: BCH (2.96T) vs BSBR (46.7B) and BAP (23.3B).
BAPBCHBSBR
Capitalization25.9B18.7B19.8B
EBITDAN/AN/AN/A
Gain YTD12.3698.460-7.863
P/E Ratio12.3514.6316.20
Revenue23.3B2.96T46.7B
Total CashN/AN/AN/A
Total Debt23.5B13.41TN/A
FUNDAMENTALS RATINGS
BAP vs BCH vs BSBR: Fundamental Ratings
BAP
BCH
BSBR
OUTLOOK RATING
1..100
676468
VALUATION
overvalued / fair valued / undervalued
1..100
37
Fair valued
52
Fair valued
17
Undervalued
PROFIT vs RISK RATING
1..100
9185
SMR RATING
1..100
613
PRICE GROWTH RATING
1..100
454660
P/E GROWTH RATING
1..100
392956
SEASONALITY SCORE
1..100
n/a875

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.

BSBR's Valuation (17) in the Regional Banks industry is in the same range as BAP (37) and is somewhat better than the same rating for BCH (52). This means that BSBR's stock grew similarly to BAP’s and somewhat faster than BCH’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 (9) and is significantly better than the same rating for BSBR (85). This means that BCH's stock grew similarly to BAP’s and significantly faster than BSBR’s over the last 12 months.

BCH's SMR Rating (1) in the Regional Banks industry is in the same range as BSBR (3) and is in the same range as BAP (6). This means that BCH's stock grew similarly to BSBR’s and similarly to BAP’s over the last 12 months.

BAP's Price Growth Rating (45) in the Regional Banks industry is in the same range as BCH (46) and is in the same range as BSBR (60). This means that BAP's stock grew similarly to BCH’s and similarly to BSBR’s over the last 12 months.

BCH's P/E Growth Rating (29) in the Regional Banks industry is in the same range as BAP (39) and is in the same range as BSBR (56). This means that BCH's stock grew similarly to BAP’s and similarly to BSBR’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BAPBCHBSBR
RSI
ODDS (%)
N/A
N/A
Bullish Trend 2 days ago
81%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
64%
Momentum
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
83%
MACD
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
45%
Bearish Trend 2 days ago
72%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
49%
Bearish Trend 2 days ago
69%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
68%
Bearish Trend 2 days ago
43%
Bearish Trend 2 days ago
65%
Advances
ODDS (%)
Bullish Trend 17 days ago
69%
Bullish Trend 11 days ago
72%
Bullish Trend 11 days ago
66%
Declines
ODDS (%)
Bearish Trend 2 days ago
58%
Bearish Trend 6 days ago
54%
Bearish Trend 6 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
55%
Bullish Trend 2 days ago
71%
Aroon
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
40%
Bearish Trend 2 days ago
59%
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BAP
Daily Signal:
Gain/Loss:
BCH
Daily Signal:
Gain/Loss:
BSBR
Daily Signal:
Gain/Loss:
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BCH and

Correlation & Price change

A.I.dvisor indicates that over the last year, BCH has been closely correlated with BSAC. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if BCH jumps, then BSAC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BCH
1D Price
Change %
BCH100%
-1.64%
BSAC - BCH
85%
Closely correlated
-1.96%
BBD - BCH
63%
Loosely correlated
-0.88%
BSBR - BCH
62%
Loosely correlated
-2.06%
ITUB - BCH
62%
Loosely correlated
-1.31%
INTR - BCH
53%
Loosely correlated
-1.74%
More

BSBR and

Correlation & Price change

A.I.dvisor indicates that over the last year, BSBR has been closely correlated with BBD. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSBR jumps, then BBD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BSBR
1D Price
Change %
BSBR100%
-2.06%
BBD - BSBR
82%
Closely correlated
-0.88%
ITUB - BSBR
81%
Closely correlated
-1.31%
INTR - BSBR
69%
Closely correlated
-1.74%
BCH - BSBR
62%
Loosely correlated
-1.64%
BSAC - BSBR
61%
Loosely correlated
-1.96%
More