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BAP vs WTW

BAP
Credicorp Ltd.
NEUTRAL
Price
$344.33
Market Cap
$27.33B
Sector
Financial Services
AI Confidence
72%
WTW
Willis Towers Watson Public Limited Company
NEUTRAL
Price
$290.89
Market Cap
$27.5B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BAP
14.35
WTW
17.89
Forward P/E
BAP
12.37
WTW
12.99
P/B Ratio
BAP
2.56
WTW
3.47
P/S Ratio
BAP
1.34
WTW
2.83
EV/EBITDA
BAP
--
WTW
11.92

Profitability

Gross Margin
BAP
0.0%
WTW
41.58%
Operating Margin
BAP
47.27%
WTW
35.39%
Profit Margin
BAP
31.62%
WTW
16.53%
ROE
BAP
18.55%
WTW
20.08%
ROA
BAP
2.62%
WTW
4.83%

Growth

Revenue Growth
BAP
15.5%
WTW
-3.3%
Earnings Growth
BAP
14.2%
WTW
-38.2%

Financial Health

Debt/Equity
BAP
--
WTW
0.86
Current Ratio
BAP
--
WTW
1.21
Quick Ratio
BAP
--
WTW
0.44

Dividends

Dividend Yield
BAP
3.23%
WTW
1.32%
Payout Ratio
BAP
50.31%
WTW
22.63%

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
WTW NEUTRAL

WTW presents a dichotomy between strong operational profitability and poor deterministic valuation. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, while the current price of $290.89 trades at a significant premium to both the Graham Number ($175.19) and Intrinsic Value ($113.82). Despite negative YoY revenue and earnings growth, the company maintains a strong ROE of 20.08% and a consistent track record of beating earnings estimates. The outlook is tempered by bearish insider sentiment and a weak technical trend, offsetting the bullish analyst consensus.

Strengths
Strong Return on Equity (ROE) of 20.08%
High Operating Margin of 35.39%
Consistent earnings beat track record (3 of last 4 quarters)
Risks
Significant overvaluation relative to Graham and Intrinsic value baselines
Negative YoY Revenue (-3.30%) and Earnings (-38.20%) growth
Low Quick Ratio (0.44) suggesting potential short-term liquidity constraints

Compare Another Pair

BAP vs WTW: Head-to-Head Comparison

This page compares Credicorp Ltd. (BAP) and Willis Towers Watson Public Limited Company (WTW) 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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