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BAP vs NTRS

BAP
Credicorp Ltd.
NEUTRAL
Price
$344.33
Market Cap
$27.33B
Sector
Financial Services
AI Confidence
72%
NTRS
Northern Trust Corporation
NEUTRAL
Price
$156.07
Market Cap
$29.52B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BAP
14.35
NTRS
17.82
Forward P/E
BAP
12.37
NTRS
13.87
P/B Ratio
BAP
2.56
NTRS
2.41
P/S Ratio
BAP
1.34
NTRS
3.65
EV/EBITDA
BAP
--
NTRS
--

Profitability

Gross Margin
BAP
0.0%
NTRS
0.0%
Operating Margin
BAP
47.27%
NTRS
28.99%
Profit Margin
BAP
31.62%
NTRS
21.46%
ROE
BAP
18.55%
NTRS
13.49%
ROA
BAP
2.62%
NTRS
1.04%

Growth

Revenue Growth
BAP
15.5%
NTRS
8.2%
Earnings Growth
BAP
14.2%
NTRS
7.6%

Financial Health

Debt/Equity
BAP
--
NTRS
--
Current Ratio
BAP
--
NTRS
--
Quick Ratio
BAP
--
NTRS
--

Dividends

Dividend Yield
BAP
3.23%
NTRS
2.02%
Payout Ratio
BAP
50.31%
NTRS
35.47%

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
NTRS NEUTRAL

Northern Trust (NTRS) presents a stable financial profile with a Piotroski F-Score of 4/9, indicating a baseline of stability but lacking strong momentum in financial health. While the stock is trading near its growth-based intrinsic value of $161.18, it sits significantly above its defensive Graham Number of $113.01, suggesting a premium valuation. Recent price performance has been exceptional (+79.2% 1Y), but the stock is now hitting a ceiling near its 52-week high with a bearish technical trend (10/100) and negative insider sentiment. The combination of a 'Hold' analyst consensus and CFO selling suggests the current price may be fully valued.

Strengths
Consistent earnings performance with 3 of the last 4 quarters beating estimates
Sustainable dividend profile with a low payout ratio of 35.47%
Strong 1-year price appreciation of 79.2%
Risks
Technical trend is heavily bearish (10/100), suggesting a potential reversal or peak
Insider activity is bearish, specifically with sales from the CFO
Trading at a significant premium to the Graham Number ($113.01)

Compare Another Pair

BAP vs NTRS: Head-to-Head Comparison

This page compares Credicorp Ltd. (BAP) and Northern Trust Corporation (NTRS) 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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