Citizens vs Credicorp

Citizens and Credicorp: This page compares their business models, financial performance, and market context, presenting neutral, accessible information to help readers understand their approaches and positions in the sector. Educational content, not financial advice.

Citizens and Credicorp: This page compares their business models, financial performance, and market context, presenting neutral, accessible information to help readers understand their approaches and ...

Comparison Snapshot

Key Financial Metrics

CFG

Metric

BAP

$26.84B

Market Cap

$27.70B

4.23%

Potential Profit

-18.33%

Buy

Analyst Rating

Buy

Why It's Moving

Citizens Financial Group Surges to New Highs on Stellar Q4 Beat and Bold 30% Growth Outlook

Q4 net income hit $528M (up 32% YoY) and EPS $1.13 (beating estimates by 2%), signaling robust revenue momentum from higher fees and NII.
Declared $0.46 quarterly dividend, yielding ~2.9% annualized, bolstering appeal for income investors amid the earnings surge.
Set aggressive 30% growth target for 2026 via rate hedge unwinds, private bank push, and efficiency gains, sparking optimism in regional banking rebound.

Sentiment:

🐃Bullish

Citizens Financial Group Surges to New Highs on Stellar Q4 Beat and Bold 30% Growth Outlook

Q4 net income hit $528M (up 32% YoY) and EPS $1.13 (beating estimates by 2%), signaling robust revenue momentum from higher fees and NII.
Declared $0.46 quarterly dividend, yielding ~2.9% annualized, bolstering appeal for income investors amid the earnings surge.
Set aggressive 30% growth target for 2026 via rate hedge unwinds, private bank push, and efficiency gains, sparking optimism in regional banking rebound.

Sentiment:

🐃Bullish

Investment Analysis

Citizens

CFG

Pros

Citizens Financial Group has a strong net income of $494 million for Q3 2025, reflecting solid profitability.
The company offers a substantial dividend yield of 3.62%, providing income to shareholders.
Analysts have a 'Strong Buy' consensus, with an average 12-month price target suggesting nearly 10% upside.

Considerations

Revenue declined by 5.51% year-over-year in 2024, indicating potential challenges in top-line growth.
Net income decreased by 7.98% in 2024, which may signal pressures on profitability or operational challenges.
Citizens Financial Group’s price-to-earnings ratio at 14.25 is above the sector average, potentially indicating overvaluation.

Credicorp

BAP

Pros

Credicorp is a diversified financial services holding company operating across multiple segments, reducing reliance on a single revenue source.
It has a strong market position as a leading financial institution in Peru, benefiting from regional economic growth.
Credicorp has shown resilience in navigating the volatile economic environment of Latin America, maintaining stable earnings.

Considerations

Credicorp’s exposure to Latin American markets entails regulatory and macroeconomic risks typical of emerging markets.
The company faces currency fluctuation risks due to operations primarily in Peruvian sol and other regional currencies.
Credicorp’s slower growth trajectory compared to global peers may limit its upside potential in more mature markets.

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