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BAP or C or ZION
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Citigroup Inc. (C) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- BAP leads with superior YTD return of 13.48% and 1-year gain of 85.88%, driven by strong earnings and loan growth in Latin America.
- C shows solid YTD performance at 8.95% and 1-year return of 61.29%, bolstered by global diversification amid geopolitical challenges.
- ZION trails with 8.64% YTD and 16.76% 1-year return, reflecting regional banking pressures but attractive low P/E of 8.84.
- BAP trades at P/E 13.11 with market cap $25.85B, while C at P/E 15.12 ($184.89B) and ZION offers value at P/E 8.84 ($7.85B).
- All three financial services firms benefit from recent market activity, but BAP's momentum and governance updates position it strongly.
- Recent weeks highlight BAP's record net income and C's investment banking growth versus ZION's credit concerns.
Introduction
This comparison examines BAP, C, and ZION, three financial services stocks spanning regional Latin American banking, global diversified operations, and U.S. regional focus. Investors seeking exposure to banking sector recovery, interest rate dynamics, and growth in emerging versus developed markets will find value here. Recent market activity, including earnings beats and geopolitical influences, underscores their relative performance in a volatile environment, aiding decisions on stock comparison, relative performance, and market positioning.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP) is a Peru-based financial holding company operating in universal banking, insurance, microfinance, and wealth management across Latin America. In recent weeks, BAP has shown robust momentum, with shares around $325.68, YTD return of 13.48%, and 1-year gain of 85.88%. Key drivers include Q4 2025 earnings highlighting record net income, strong loan growth outlook, and governance refresh with updated dividend policy maintaining 25% payout. Sentiment has improved on positive analyst views for growth investors, despite minor earnings misses, supported by P/E of 13.11 and market cap of $25.85B.
C Overview and Recent Performance
Citigroup Inc. (C) provides diversified financial services globally through segments like services, markets, banking, U.S. personal banking, and wealth. Trading near $105.69, it posts YTD return of 8.95% and 1-year of 61.29%. Recent market activity features operational challenges from Dubai evacuations amid Middle East tensions, yet investment banking fees and markets revenue show mid-teens growth potential. Q4 2025 EPS beat estimates at $1.81, with net income up, though stock underperformed pre-earnings. Valuation at P/E 15.12 and $184.89B market cap reflects scale amid sentiment shifts.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION) offers commercial, retail, and wealth services across U.S. western states via brands like Zions Bank. At $53.10, it lags with 8.64% YTD and 16.76% 1-year returns. Recent weeks brought share weakness from credit concerns and executive changes, offset by Q4 2025 EPS beat at $1.76, revenue growth, and improving net interest margin to 3.31%. Analyst upgrades note undervaluation, with low P/E 8.84 and $7.85B market cap signaling value amid regional pressures.
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Head-to-Head Comparison
BAP, C, and ZION operate in financial services but diverge in scale and exposure: BAP leverages Latin American growth via microfinance/insurance, C global markets/banking, and ZION U.S. regional commercial lending. Growth drivers favor BAP's emerging markets and loan expansion over ZION's moderated pace. Recent momentum strongest for BAP, with C resilient despite risks, versus ZION's weakness. Risks include ZION/ C's U.S. credit/geopolitical exposure versus BAP's regional volatility. Valuation-sensitive ZION cheapest, BAP balanced; sentiment tilts to BAP's outperformance.
Tickeron AI Verdict
Tickeron’s AI favors BAP currently, owing to consistent trend strength, earnings catalysts like record income and loan growth, and superior relative positioning with 13.48% YTD outpacing peers. Stability from governance updates and emerging market exposure enhances probability of continued outperformance versus C's risks and ZION's credit headwinds.
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 ZION’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.
- ZION’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 ZION’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.
- ZION’s TA Score: 6 bullish, 3 bearish.
Price Growth
BAP (@Regional Banks) experienced а -7.05% price change this week, while C (@Major Banks) price change was +5.36% , and ZION (@Regional Banks) price fluctuated +2.47% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.42%. For the same industry, the average monthly price growth was +6.88%, and the average quarterly price growth was +19.50%.
The average weekly price growth across all stocks in the @Major Banks industry was +1.57%. For the same industry, the average monthly price growth was +9.71%, and the average quarterly price growth was +21.18%.
Reported Earning Dates
BAP is expected to report earnings on May 14, 2026.
C is expected to report earnings on Jul 14, 2026.
ZION is expected to report earnings on Apr 20, 2026.
Industries' Descriptions
@Regional Banks (+1.42% 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 (+1.57% 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 | ZION | |
| Capitalization | 26.7B | 227B | 9.27B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 17.021 | 14.614 | 8.480 |
| P/E Ratio | 13.53 | 16.45 | 10.49 |
| Revenue | 23.3B | 85.2B | 3.39B |
| Total Cash | N/A | 23.5B | 771M |
| Total Debt | 23.5B | 368B | 3.47B |
BAP | C | ZION | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 68 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 74 Overvalued | 76 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 21 | 76 | |
SMR RATING 1..100 | 5 | 2 | 9 | |
PRICE GROWTH RATING 1..100 | 42 | 6 | 15 | |
P/E GROWTH RATING 1..100 | 34 | 18 | 45 | |
SEASONALITY SCORE 1..100 | n/a | 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 (74) 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 ZION (87) in the Regional Banks industry. This means that BAP's stock grew similarly to C’s and similarly to ZION’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 significantly better than the same rating for ZION (76) in the Regional Banks industry. This means that BAP's stock grew similarly to C’s and significantly faster than ZION’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 ZION (9) in the Regional Banks industry. This means that C's stock grew similarly to BAP’s and similarly to ZION’s over the last 12 months.
C's Price Growth Rating (6) in the Financial Conglomerates industry is in the same range as ZION (15) in the Regional 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 ZION’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 ZION (45) in the Regional Banks industry. This means that C's stock grew similarly to BAP’s and similarly to ZION’s over the last 12 months.
| BAP | C | ZION | |
|---|---|---|---|
| RSI ODDS (%) | N/A | 4 days ago 56% | 4 days ago 67% |
| Stochastic ODDS (%) | 1 day ago 67% | 4 days ago 67% | 4 days ago 73% |
| Momentum ODDS (%) | 1 day ago 56% | 4 days ago 70% | 4 days ago 72% |
| MACD ODDS (%) | 1 day ago 57% | 4 days ago 62% | 4 days ago 75% |
| TrendWeek ODDS (%) | 1 day ago 61% | 4 days ago 68% | 4 days ago 67% |
| TrendMonth ODDS (%) | 1 day ago 69% | 4 days ago 64% | 4 days ago 63% |
| Advances ODDS (%) | 12 days ago 69% | 6 days ago 65% | 6 days ago 65% |
| Declines ODDS (%) | 6 days ago 61% | 22 days ago 68% | N/A |
| BollingerBands ODDS (%) | 1 day ago 52% | 4 days ago 56% | 4 days ago 64% |
| Aroon ODDS (%) | 1 day ago 60% | 4 days ago 58% | 4 days ago 64% |
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