Credicorp Ltd (BAP)vsMizuho Financial Group Inc. (MFG)
BAP
Credicorp Ltd
$338.90
+2.62%
FINANCIAL SERVICES · Cap: $26.21B
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 19310% more annual revenue ($4.02T vs $20.70B). BAP leads profitability with a 33.5% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. BAP earns a higher WallStSmart Score of 75/100 (B).
BAP
Strong Buy75
out of 100
Grade: B
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+70.3%
Fair Value
$1157.36
Current Price
$338.90
$818.46 discount
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.2% YoY
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : BAP
The strongest argument for BAP centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 33.5% and operating margin at 43.0%.
Bull Case : MFG
The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bear Case : BAP
The primary concerns for BAP are PEG Ratio, Free Cash Flow, Altman Z-Score.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
BAP profiles as a value stock while MFG is a mature play — different risk/reward profiles.
BAP carries more volatility with a beta of 0.90 — expect wider price swings.
MFG is growing revenue faster at 5.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BAP scores higher overall (75/100 vs 74/100), backed by strong 33.5% margins. MFG offers better value entry with a 42.4% margin of safety. 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.
Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
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