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Credicorp Ltd. (BAP) vs Itau Unibanco Holding S.A. (ITUB)

Credicorp Ltd. and Itau Unibanco Holding S.A. are both Banks Regional companies. Itau Unibanco Holding S.A. is the larger, with a market value of $39.4B against $27.6B — 1.4× the size. Itau Unibanco Holding S.A. trades at the lower P/E: 9.3× against 12.9×. Itau Unibanco Holding S.A. grew revenue faster over the last twelve months: 29.0% against 12.1%. Credicorp Ltd. has the higher net margin (26.3% vs 12.1%) and the higher return on invested capital (173.4% vs 12.7%). Both pay a dividend; Itau Unibanco Holding S.A. yields more (5.94% vs 4.16%). Across the 19 metrics below, Itau Unibanco Holding S.A. leads on 12 and Credicorp Ltd. on 7.

Valuation

Metric BAP ITUB Banks Regional median
P/E 12.90 9.32 12.02
P/S 3.38 1.10 2.36
P/B 2.44 1.79 1.23
Price to free cash flow 3.33 2.77 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.75% 10.73% 8.21%
Free cash flow yield 30.04% 36.04% 9.23%

Profitability

Metric BAP ITUB Banks Regional median
Gross margin 81.63% 44.92% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.34% 12.12% 18.82%
Free cash flow margin 0.00% 39.73% 17.97%
Return on equity 20.60% 21.16% 10.28%
Return on assets 2.86% 1.55% 1.13%
Return on invested capital 173.44% 12.72% 8.45%

Growth

Metric BAP ITUB Banks Regional median
Revenue growth (TTM) 12.06% 28.98% 6.37%
EPS growth (last fiscal year) 32.41% 5.94% 18.85%
Revenue growth, 5-year CAGR 9.83% 15.52% 12.65%
Net income growth, 5-year CAGR 81.29% 16.99% 9.81%

Health

Metric BAP ITUB Banks Regional median
Debt to equity 0.38 2.44 0.17
Current ratio 1.06 1.08 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BAP ITUB Banks Regional median
Dividend yield 4.16% 5.94% 2.49%
Payout ratio 0.54 0.57 0.29

Size

Metric BAP ITUB Banks Regional median
Market cap 27.64b 39.40b 934.85m

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