` Comparison: BBVA vs BAP - Alpha Spread

BBVA
vs
BAP

Over the past 12 months, BBVA has underperformed BAP, delivering a return of +85% compared to the BAP's +90% growth.

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BBVA
BAP
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Stocks Compared:
BBVA BAP
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Valuation Comparison

BBVA Intrinsic Value
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BAP Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Banco Bilbao Vizcaya Argentaria SA
BMV:BBVA
445.02 MXN
Credicorp Ltd
NYSE:BAP
352.06 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
BBVA, BAP

BBVA
BAP
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Banco Bilbao Vizcaya Argentaria SA
Revenue
Credicorp Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
BBVA, BAP

BBVA
BAP
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Banco Bilbao Vizcaya Argentaria SA
BMV:BBVA
FCF is not applicable for financial companies
Credicorp Ltd
NYSE:BAP
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BBVA
BAP
LTM 3Y Avg 5Y Avg 10Y Avg
Banco Bilbao Vizcaya Argentaria SA
Not applicable for financial companies
Credicorp Ltd
Not applicable for financial companies

Operating Margin

BBVA
BAP
LTM 3Y Avg 5Y Avg 10Y Avg
Banco Bilbao Vizcaya Argentaria SA
Not applicable for financial companies
Credicorp Ltd
Not applicable for financial companies

Net Margin

BBVA
21.1%
BAP
88.7%

FCF Margin

BBVA
BAP
LTM 3Y Avg 5Y Avg 10Y Avg
Banco Bilbao Vizcaya Argentaria SA
Not applicable for financial companies
Credicorp Ltd
Not applicable for financial companies

ROE

BBVA
18.1%
BAP
62.7%

ROA

BBVA
1.3%
BAP
8.4%

ROIC

BBVA
BAP
LTM 3Y Avg 5Y Avg 10Y Avg
Banco Bilbao Vizcaya Argentaria SA
Not applicable for financial companies
Credicorp Ltd
Not applicable for financial companies

ROCE

BBVA
BAP
LTM 3Y Avg 5Y Avg 10Y Avg
Banco Bilbao Vizcaya Argentaria SA
Not applicable for financial companies
Credicorp Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BBVA, BAP

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BBVA
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Performance Gap
BBVA, BAP

Performance Gap Between BBVA and BAP
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Performance By Year
BBVA, BAP

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BBVA
BAP
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