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BAP vs MA

BAP
Credicorp Ltd.
NEUTRAL
Price
$344.33
Market Cap
$27.33B
Sector
Financial Services
AI Confidence
72%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BAP
14.35
MA
30.28
Forward P/E
BAP
12.37
MA
22.05
P/B Ratio
BAP
2.56
MA
57.74
P/S Ratio
BAP
1.34
MA
13.6
EV/EBITDA
BAP
--
MA
22.13

Profitability

Gross Margin
BAP
0.0%
MA
100.0%
Operating Margin
BAP
47.27%
MA
57.73%
Profit Margin
BAP
31.62%
MA
45.65%
ROE
BAP
18.55%
MA
209.91%
ROA
BAP
2.62%
MA
23.72%

Growth

Revenue Growth
BAP
15.5%
MA
17.6%
Earnings Growth
BAP
14.2%
MA
24.2%

Financial Health

Debt/Equity
BAP
--
MA
2.56
Current Ratio
BAP
--
MA
1.03
Quick Ratio
BAP
--
MA
0.68

Dividends

Dividend Yield
BAP
3.23%
MA
0.7%
Payout Ratio
BAP
50.31%
MA
18.4%

AI Verdict

BAP NEUTRAL

Credicorp Ltd. (BAP) shows a mixed financial profile with a weak Piotroski F-Score of 4/9 indicating marginal financial health, and no available Altman Z-Score to assess distress risk. Profitability metrics are strong, including a 31.62% profit margin and 18.55% ROE, while revenue and earnings growth remain solid at 15.5% and 14.2% YoY, respectively. However, the stock trades above its Graham Number of $269.56 at $344.33, and technical trends are bearish with a score of 10/100. Analysts recommend a 'buy' with a target price below current levels, suggesting limited upside.

Strengths
Strong profitability with 31.62% net margin and 47.27% operating margin
High ROE of 18.55%, indicating efficient use of equity
Solid revenue growth of 15.5% YoY and consistent earnings growth
Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and potential operational inefficiencies
Stock trades at a premium to Graham Number ($269.56) with current price at $344.33
Bearish technical trend (10/100) indicates near-term downward pressure
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

BAP vs MA: Head-to-Head Comparison

This page compares Credicorp Ltd. (BAP) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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