Head-To-Head Comparison: KBC Grp NV/ADR (KBCSY) vs. Credicorp (BAP)
KBC Grp NV/ADR (NYSE: BAP) and Credicorp (NYSE:BAP) are both large-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, institutional ownership, dividends, analyst recommendations, profitability, risk and earnings.
Earnings & Valuation
This table compares KBC Grp NV/ADR and Credicorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|KBC Grp NV/ADR||$11.20 billion||2.69||$2.91 billion||$3.41||10.55|
|Credicorp||$4.83 billion||3.47||$1.25 billion||$15.74||13.33|
This is a summary of recent ratings and target prices for KBC Grp NV/ADR and Credicorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|KBC Grp NV/ADR||0||0||0||0||N/A|
Credicorp has a consensus target price of $253.00, suggesting a potential upside of 20.56%. Given Credicorp’s higher possible upside, analysts clearly believe Credicorp is more favorable than KBC Grp NV/ADR.
Insider and Institutional Ownership
0.1% of KBC Grp NV/ADR shares are owned by institutional investors. Comparatively, 66.7% of Credicorp shares are owned by institutional investors. 15.9% of Credicorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Risk & Volatility
KBC Grp NV/ADR has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500. Comparatively, Credicorp has a beta of 0.92, indicating that its share price is 8% less volatile than the S&P 500.
This table compares KBC Grp NV/ADR and Credicorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|KBC Grp NV/ADR||24.35%||13.02%||0.82%|
KBC Grp NV/ADR pays an annual dividend of $1.61 per share and has a dividend yield of 4.5%. Credicorp pays an annual dividend of $4.39 per share and has a dividend yield of 2.1%. KBC Grp NV/ADR pays out 47.2% of its earnings in the form of a dividend. Credicorp pays out 27.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Credicorp has raised its dividend for 3 consecutive years.
Credicorp beats KBC Grp NV/ADR on 13 of the 16 factors compared between the two stocks.
About KBC Grp NV/ADR
KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients primarily in Belgium, Bulgaria, the Czech Republic, Hungary, Ireland, and Slovakia. It accepts deposits; offers loans to individuals, businesses, and public authorities; and provides services, including payments, cash management, trade finance, leasing, corporate finance, and money and capital market products, as well as offers asset management services. KBC Group NV serves customers through a network of approximately 1,521 bank branches, as well as through insurance distribution networks and electronic channels. The company was formerly known as KBC Bank and Insurance Holding Company NV and changed its name to KBC Group NV in March 2005. KBC Group NV was incorporated in 1935 and is headquartered in Brussels, Belgium.
Credicorp Ltd., through its banking and non-banking subsidiaries, provides a range of financial, insurance, and health services and products primarily in Peru and internationally. It operates through four segments: Banking, Insurance, Pension Funds, and Investment Banking. The company offers deposits, current accounts, loans, and credit facilities; and provides private pension fund management services to affiliated pensioners. It also issues insurance policies to cover losses in commercial property, transportation, marine vessels, automobile, life, health, and pension funds. In addition, the company offers investment brokerage and management services to corporations, institutional investors, governments, and foundations; and engages in structuring and placement of issues in the primary market, as well as the execution and negotiation of operations in the secondary market. Further, it structures securitization processes for companies; and manages mutual funds. Credicorp Ltd. was incorporated in 1995 and is based in Hamilton, Bermuda.
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