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BAP or C or PNC
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Citigroup Inc. (C) vs. The PNC Financial Services Group, Inc. (PNC) Stock Comparison
Key Takeaways
- BAP leads with strong YTD return of 11.30% and 1-year gain of 79.33%, driven by record earnings in Peru's financial sector.
- C shows robust 1-year performance at 58.10% amid global restructuring, though YTD at 5.77% trails in recent volatility.
- PNC offers stability with a P/E ratio of 12.27, recent acquisition of FirstBank, and projected Q1 EPS growth of 16.5%.
- Valuation metrics favor PNC and BAP at lower P/E (12-13x) compared to C's 15.65x.
- Emerging market exposure boosts BAP's growth, while U.S.-focused C and PNC emphasize diversification and capital returns.
- Recent momentum highlights BAP's outperformance, with all three showing resilience in banking relative performance.
Introduction
This stock comparison examines BAP, C, and PNC, three banks spanning emerging and U.S. markets. BAP dominates Peruvian universal banking, C leads in global diversified services, and PNC focuses on U.S. retail and corporate lending. Traders seeking growth may eye BAP's momentum, while investors prioritizing stability could favor PNC or C's scale. Amid recent market activity, including geopolitical tensions and rate shifts, this analysis highlights relative performance, valuation sensitivity, and market positioning for informed decisions in the current environment.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP) is a Peru-based financial holding company operating in universal banking, insurance, pensions, microfinance, and wealth management across Latin America. With a market cap of $25.35B and trailing P/E of 13.04, it reported record Q4 FY25 net income and strong loan growth outlook. Recent weeks saw shares around $319, with YTD return at 11.30% and 1-year at 79.33%, outperforming peers. Sentiment has been bolstered by governance updates, dividend policy refresh, and robust earnings (EPS TTM $24.50), amid Peru's economic recovery and microfinance expansion influencing positive price behavior.
C Overview and Recent Performance
Citigroup Inc. (C) is a global diversified financial services firm with segments in services, markets, banking, U.S. personal banking, and wealth management, operating worldwide. Market cap stands at $191.36B, with P/E at 15.65. Shares trade near $109, posting YTD 5.77% and 1-year 58.10% returns. Recent market activity reflects restructuring progress, including Banamex stake sales and Russia exit, adding to CET1 capital. Analyst targets average $133.52, with price dips tied to broader sector volatility and macroeconomic headwinds, yet supported by fee income growth initiatives.
PNC Overview and Recent Performance
The PNC Financial Services Group, Inc. (PNC) provides U.S.-focused retail banking, corporate & institutional banking, and asset management through branches and digital channels. With $82.35B market cap and P/E of 12.27, shares hover at $203. YTD return is 1.68%, 1-year 20.09%. Recent performance includes FirstBank acquisition completion, boosting assets to $574B, and Q1 EPS forecast at $4.09 (up 16.5%). A 12.5% pullback in recent weeks reflects macro pressures, offset by Zacks Buy upgrade and efficiency via AI, driving steady deposit growth and capital returns.
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Head-to-Head Comparison
BAP, C, and PNC differ in business models: BAP's emerging-market universal banking with microfinance contrasts C's global investment and consumer services against PNC's U.S. retail-corporate focus. Growth drivers include BAP's loan expansion (41% earnings surge), C's restructuring (4-5% revenue CAGR to 2026), and PNC's acquisitions (8% loan growth projected). Recent momentum favors BAP (YTD +11%), over C (+6%) and PNC (+2%). Risks: BAP's regional volatility vs. U.S. regulatory exposure for others. Valuation sensitivity shows PNC cheapest (P/E 12.3x), BAP growth premium (13x), C higher (15.7x). Sentiment tilts to BAP's outperformance amid stable U.S. peers.
Tickeron AI Verdict
Tickeron’s AI currently favors BAP due to superior trend consistency, with YTD +11.30% and 1-year +79.33% reflecting strong catalysts like record earnings and loan growth in Peru. Relative to C and PNC, BAP shows higher momentum and attractive valuation, positioning it probabilistically for continued outperformance in emerging banking trends, though U.S. stability offers trade-offs.
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 PNC’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.
- PNC’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 PNC’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.
- PNC’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAP (@Regional Banks) experienced а -5.00% price change this week, while C (@Major Banks) price change was +6.26% , and PNC (@Regional Banks) price fluctuated +2.45% 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.
PNC is expected to report earnings on Jul 15, 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 | PNC | |
| Capitalization | 26.3B | 225B | 90.4B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 15.659 | 13.865 | 9.364 |
| P/E Ratio | 13.17 | 16.34 | 13.06 |
| Revenue | 23.3B | 85.2B | 23.1B |
| Total Cash | N/A | 23.5B | 6.78B |
| Total Debt | 23.5B | 368B | 57.1B |
BAP | C | PNC | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 73 | 36 | 28 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 76 Overvalued | 77 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 21 | 53 | |
SMR RATING 1..100 | 5 | 2 | 5 | |
PRICE GROWTH RATING 1..100 | 42 | 6 | 18 | |
P/E GROWTH RATING 1..100 | 34 | 18 | 41 | |
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 PNC (77) in the Major Banks industry. This means that BAP's stock grew similarly to C’s and similarly to PNC’s over the last 12 months.
BAP's Profit vs Risk Rating (6) in the Regional Banks industry is in the same range as C (21) in the Financial Conglomerates industry, and is somewhat better than the same rating for PNC (53) in the Major Banks industry. This means that BAP's stock grew similarly to C’s and somewhat faster than PNC’s over the last 12 months.
C's SMR Rating (2) in the Financial Conglomerates industry is in the same range as BAP (5) in the Regional Banks industry, and is in the same range as PNC (5) in the Major Banks industry. This means that C's stock grew similarly to BAP’s and similarly to PNC’s over the last 12 months.
C's Price Growth Rating (6) in the Financial Conglomerates industry is in the same range as PNC (18) in the Major Banks industry, and is somewhat better than the same rating for BAP (42) in the Regional Banks industry. This means that C's stock grew similarly to PNC’s and somewhat faster than BAP’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 PNC (41) in the Major Banks industry. This means that C's stock grew similarly to BAP’s and similarly to PNC’s over the last 12 months.
| BAP | C | PNC | |
|---|---|---|---|
| RSI ODDS (%) | N/A | 3 days ago 56% | 3 days ago 58% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 67% | 3 days ago 62% |
| Momentum ODDS (%) | 3 days ago 61% | 3 days ago 70% | 3 days ago 64% |
| MACD ODDS (%) | 3 days ago 57% | 3 days ago 62% | 3 days ago 56% |
| TrendWeek ODDS (%) | 3 days ago 61% | 3 days ago 68% | 3 days ago 55% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 64% | 3 days ago 51% |
| Advances ODDS (%) | 11 days ago 69% | 5 days ago 65% | 11 days ago 55% |
| Declines ODDS (%) | 5 days ago 61% | 21 days ago 68% | 21 days ago 62% |
| BollingerBands ODDS (%) | 3 days ago 50% | 3 days ago 56% | 3 days ago 65% |
| Aroon ODDS (%) | 3 days ago 59% | 3 days ago 58% | 3 days ago 47% |
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with CFG. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then CFG could also see price increases.