WallStSmart

Credicorp Ltd (BAP)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 9049% more annual revenue ($2.04T vs $22.27B). BAP leads profitability with a 33.1% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 79/100 (B+).

BAP

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 5.0Quality: 6.0
Piotroski: 6/9Altman Z: 0.51

IBN

Strong Buy

79

out of 100

Grade: B+

Growth: 6.7Profit: 7.5Value: 7.0Quality: 3.5
Piotroski: 2/9Altman Z: -0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAP5 strengths · Avg: 8.8/10
Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
49.4%10/10

Strong operational efficiency at 49.4%

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.53B8/10

Generating 4.5B in free cash flow

IBN6 strengths · Avg: 8.7/10
Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Market CapQuality
$103.54B9/10

Large-cap with strong market position

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
17.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

BAP2 concerns · Avg: 2.0/10
PEG RatioValuation
4.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.512/10

Distress zone — elevated risk

IBN2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.292/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BAP

The strongest argument for BAP centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 33.1% and operating margin at 49.4%. Revenue growth of 12.0% demonstrates continued momentum.

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 38.5%. Revenue growth of 11.4% demonstrates continued momentum.

Bear Case : BAP

The primary concerns for BAP are PEG Ratio, Altman Z-Score.

Bear Case : IBN

The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

BAP carries more volatility with a beta of 0.84 — expect wider price swings.

BAP is growing revenue faster at 12.0% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IBN scores higher overall (79/100 vs 73/100), backed by strong 27.5% margins and 11.4% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Credicorp Ltd

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Credicorp Ltd., a financial services holding company, offers various financial, insurance and health products and services primarily in Peru and internationally. The company is headquartered in Lima, Peru.

ICICI Bank Limited

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.

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