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BAP or C or JPM
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Citigroup Inc. (C) vs. JPMorgan Chase & Co. (JPM) Stock Comparison
Key Takeaways
- BAP leads with robust YTD gains around 15%, driven by strong Q4 earnings and regional expansion, contrasting sharper declines in C and JPM.
- C and JPM face recent downward pressure from market volatility and sector concerns, with shares down over 2% in recent sessions amid private credit worries.
- JPM offers the largest scale with $781B market cap and superior profitability margins near 34%, while BAP shines in Latin American growth at a compelling P/E of 13.2.
- All three exhibit attractive dividend yields above 2%, with BAP at 3.3%, supporting income-focused relative performance in uncertain markets.
- Recent momentum favors BAP's stability above its 200-day average, positioning it better amid broader banking sector headwinds.
Introduction
This stock comparison examines BAP, C, and JPM, representing diverse banking exposures from Latin America to global diversified operations. Investors tracking financial sector relative performance may find value in contrasting BAP's regional growth against U.S. giants C and JPM, amid recent market volatility, interest rate sensitivities, and geopolitical influences. Traders seeking momentum shifts or valuation opportunities in banking stocks will benefit from this analysis of recent trends, business models, and market positioning.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP), a Peru-based financial holding company, operates universal banking, insurance, microfinance, and wealth management primarily in Latin America. In recent market activity, BAP shares traded around $330, near the upper end of its 52-week range of $165-$380, with YTD returns of approximately 15% outperforming peers. Key influences include Q4 2025 earnings highlighting record net income, strong loan growth outlook, and strategic moves like acquiring Helm Bank USA and securing a neobank license in Chile. Governance updates, including director nominees and a refreshed dividend policy targeting 25% payouts, have bolstered sentiment. These factors underscore resilient performance amid regional economic dynamics, with a P/E of 13.2 and 3.3% yield enhancing appeal.
C Overview and Recent Performance
Citigroup Inc. (C), a global diversified bank, provides services across markets, banking, personal banking, and wealth segments worldwide. Recent weeks saw C shares around $106, down over 2% in sessions amid broader financial sector pressures, particularly private credit concerns, within a 52-week range of $55-$125. YTD performance reflects modest declines, though one-year gains exceed 50%. Influences include ongoing restructuring for efficiency, with expected EPS growth to $2.59 for upcoming earnings, and a P/E of 15.2. Market volatility and geopolitical tensions have weighed on momentum, yet improving net margins near 18% and analyst targets around $135 signal potential stabilization in relative performance.
JPM Overview and Recent Performance
JPMorgan Chase & Co. (JPM), the largest U.S. bank by market cap at $781B, spans consumer banking, investment banking, and asset management globally. Shares recently hovered near $289, experiencing over 1% daily dips and YTD declines of about 10%, within a 52-week range of $202-$337. Recent market activity reflects sensitivity to inflation warnings, credit risks, and equity sell-offs, though one-year returns stand at 20%. Strong profitability with 34% margins, ROE of 16%, and analyst overweight ratings support positioning. Upcoming earnings and resilient revenue streams continue to drive sentiment amid sector-wide volatility.
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Head-to-Head Comparison
BAP, C, and JPM differ markedly in scale and exposure: JPM's vast U.S.-centric diversification contrasts BAP's Latin American focus on microfinance and insurance, while C bridges global markets and restructuring. Growth drivers favor BAP's regional expansions versus JPM's trading resilience and C's efficiency gains. Recent momentum shows BAP holding above key averages amid peers' dips from volatility. Risks include BAP's emerging market sensitivity, C's regulatory hurdles, and JPM's leverage exposure. Valuation-wise, BAP trades cheapest at 13x earnings, with all sensitive to rates; sentiment leans toward JPM's stability over C's transformation trade-offs.
Tickeron AI Verdict
Tickeron’s AI currently favors BAP for its trend consistency, YTD outperformance, and growth catalysts like acquisitions amid peers' volatility. Probabilistic edge stems from relative stability, attractive valuation, and regional momentum positioning it ahead of C and JPM in the near term.
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
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 whileC’s FA Score has 4 green FA rating(s), and JPM’s FA Score reflects 2 green FA rating(s).
- BAP’s FA Score: 2 green, 3 red.
- C’s FA Score: 4 green, 1 red.
- JPM’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 3 TA indicator(s) are bullish while C’s TA Score has 6 bullish TA indicator(s), and JPM’s TA Score reflects 6 bullish TA indicator(s).
- BAP’s TA Score: 3 bullish, 6 bearish.
- C’s TA Score: 6 bullish, 4 bearish.
- JPM’s TA Score: 6 bullish, 5 bearish.
Price Growth
BAP (@Regional Banks) experienced а -5.00% price change this week, while C (@Major Banks) price change was +6.26% , and JPM (@Major Banks) price fluctuated +0.14% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
The average weekly price growth across all stocks in the @Major Banks industry was +2.59%. For the same industry, the average monthly price growth was +8.32%, and the average quarterly price growth was +22.02%.
Reported Earning Dates
BAP is expected to report earnings on May 14, 2026.
C is expected to report earnings on Jul 14, 2026.
JPM is expected to report earnings on Jul 14, 2026.
Industries' Descriptions
@Regional Banks (+1.58% 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.
@Major Banks (+2.59% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| BAP | C | JPM | |
| Capitalization | 26.3B | 225B | 831B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 15.659 | 13.865 | -2.773 |
| P/E Ratio | 13.17 | 16.34 | 14.85 |
| Revenue | 23.3B | 85.2B | 182B |
| Total Cash | N/A | 23.5B | 21.7B |
| Total Debt | 23.5B | 368B | 500B |
BAP | C | JPM | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 73 | 36 | 34 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 76 Overvalued | 84 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 21 | 15 | |
SMR RATING 1..100 | 5 | 2 | 1 | |
PRICE GROWTH RATING 1..100 | 42 | 6 | 48 | |
P/E GROWTH RATING 1..100 | 34 | 18 | 34 | |
SEASONALITY SCORE 1..100 | 50 | n/a | 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.
BAP's Valuation (72) in the Regional Banks industry is in the same range as C (76) in the Financial Conglomerates industry, and is in the same range as JPM (84) in the Major Banks industry. This means that BAP's stock grew similarly to C’s and similarly to JPM’s over the last 12 months.
BAP's Profit vs Risk Rating (6) in the Regional Banks industry is in the same range as JPM (15) in the Major Banks industry, and is in the same range as C (21) in the Financial Conglomerates industry. This means that BAP's stock grew similarly to JPM’s and similarly to C’s over the last 12 months.
JPM's SMR Rating (1) in the Major Banks industry is in the same range as C (2) in the Financial Conglomerates industry, and is in the same range as BAP (5) in the Regional Banks industry. This means that JPM's stock grew similarly to C’s and similarly to BAP’s over the last 12 months.
C's Price Growth Rating (6) in the Financial Conglomerates industry is somewhat better than the same rating for BAP (42) in the Regional Banks industry, and is somewhat better than the same rating for JPM (48) in the Major Banks industry. This means that C's stock grew somewhat faster than BAP’s and somewhat faster than JPM’s over the last 12 months.
C's P/E Growth Rating (18) in the Financial Conglomerates industry is in the same range as BAP (34) in the Regional Banks industry, and is in the same range as JPM (34) in the Major Banks industry. This means that C's stock grew similarly to BAP’s and similarly to JPM’s over the last 12 months.
| BAP | C | JPM | |
|---|---|---|---|
| RSI ODDS (%) | N/A | 3 days ago 56% | 3 days ago 56% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 67% | 3 days ago 56% |
| Momentum ODDS (%) | 3 days ago 61% | 3 days ago 70% | 3 days ago 69% |
| MACD ODDS (%) | 3 days ago 57% | 3 days ago 62% | 3 days ago 64% |
| TrendWeek ODDS (%) | 3 days ago 61% | 3 days ago 68% | 3 days ago 61% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 64% | 3 days ago 57% |
| Advances ODDS (%) | 11 days ago 69% | 5 days ago 65% | 3 days ago 59% |
| Declines ODDS (%) | 5 days ago 61% | 21 days ago 68% | 5 days ago 59% |
| BollingerBands ODDS (%) | 3 days ago 50% | 3 days ago 56% | 3 days ago 46% |
| Aroon ODDS (%) | 3 days ago 59% | 3 days ago 58% | 3 days ago 53% |
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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 70% 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% | -2.43% | ||
| IFS - BAP | 70% Closely correlated | N/A | ||
| BSAC - BAP | 51% Loosely correlated | +0.73% | ||
| ITUB - BAP | 50% Loosely correlated | +0.54% | ||
| BBD - BAP | 48% Loosely correlated | +1.45% | ||
| CIB - BAP | 47% Loosely correlated | -2.60% | ||
More | ||||
C and
Correlation & Price change
A.I.dvisor indicates that over the last year, C has been closely correlated with BAC. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if C jumps, then BAC could also see price increases.