BAP
Credicorp Ltd.
BAP's fundamentals are strong: its operating margin rose 4 points to 37% and earnings per share grew 18%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
BAP Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAP's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAP.
CIFR Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| N/A | |
| N/A |
CIFR's revenue and profitability are currently weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIFR.
BAP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.5x | $258 | -29% |
| Fair | 11x | $303 | -17% |
| Current | 13x | $365 | — |
| Expensive | 18x | $478 | +31% |
Historical ranges are pointers, not guarantees.
BAP's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
BAP Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BAP, with profitability holding steady.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over BAP on the outlook, with more favorable profitability expectations.
BAP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $27.11 | +18% |
| Q1 2026 | $26.53 | +25% |
| Q4 2025 | $25.50 | +26% |
| Q3 2025 | $23.81 | +24% |
| Q2 2025 | $23.02 | +27% |
| Q1 2025 | $21.27 | +16% |
| Q4 2024 | $20.28 | +13% |
| Q3 2024 | $19.24 | +2.6% |
BAP has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.
CIFR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.06 | -$2.86 |
| Q2 2026 | -$2.85 | -$2.40 |
| Q1 2026 | -$2.32 | -$1.94 |
| Q4 2025 | -$2.15 | -$2.01 |
| Q3 2025 | -$0.20 | -$0.07 |
| Q2 2025 | -$0.45 | -850% |
| Q1 2025 | -$0.38 | -733% |
| Q4 2024 | -$0.14 | -$0.04 |
CIFR lost $3.06 per share over the past year, and its loss has widened in each of the last four quarters.
BAP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $2.4B | +9.3% |
| Q1 2026 | $2.3B | +12% |
| Q4 2025 | $2.4B | +26% |
| Q3 2025 | $1.6B | -23% |
| Q2 2025 | $2.2B | +8.9% |
| Q1 2025 | $2B | +5.6% |
| Q4 2024 | $1.9B | +2.3% |
| Q3 2024 | $2B | +5.4% |
BAP has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 35% | +0.2 points |
| Q1 2026 | 38% | +1.3 points |
| Q4 2025 | 28% | +1.6 points |
| Q3 2025 | 51% | +20 points |
| Q2 2025 | 35% | +6.8 points |
| Q1 2025 | 36% | +4.8 points |
| Q4 2024 | 27% | +6.6 points |
| Q3 2024 | 31% | +4.3 points |
BAP has the edge over CIFR on profitability, with a higher operating margin.
CIFR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $26.7M | -63% |
| Q2 2026 | $24.8M | -43% |
| Q1 2026 | $34.8M | -29% |
| Q4 2025 | $59.7M | +41% |
| Q3 2025 | $71.7M | +198% |
| Q2 2025 | $43.6M | +18% |
| Q1 2025 | $49M | +1.7% |
| Q4 2024 | $42.2M | -2.8% |
CIFR's revenue has slid since its 2025 peak: $27M last quarter, down 63% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -269% | -217 points |
| Q2 2026 | -316% | -212 points |
| Q1 2026 | -329% | -251 points |
| Q4 2025 | -503% | -544 points |
| Q3 2025 | -52% | +327 points |
| Q2 2025 | -104% | -60 points |
| Q1 2025 | -78% | -175 points |
| Q4 2024 | 40% | +4 points |
CIFR's operating margin was −269% last quarter, down 217 points from the same quarter a year ago.
BAP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $1.3B | -25% |
| Q1 2026 | -$276.5M | -211% |
| Q4 2025 | -$186.3M | +$1.1B |
| Q3 2025 | $652.6M | +$652.6M |
| Q2 2025 | $1.8B | +$1.8B |
| Q1 2025 | $249.8M | +$249.8M |
| Q4 2024 | -$1.3B | -333% |
| Q3 2024 | $0 | -100% |
BAP has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
CIFR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.7B | -$1.4B |
| Q2 2026 | -$653.8M | -$566.3M |
| Q1 2026 | -$462.5M | -$390.7M |
| Q4 2025 | -$280.3M | -$204.2M |
| Q3 2025 | -$256.2M | -$173.1M |
| Q2 2025 | -$87.5M | -$54.3M |
| Q1 2025 | -$71.8M | -$37.3M |
| Q4 2024 | -$76.1M | +$38M |
CIFR's free cash flow was −$3.1B over the past year, against −$492M the year before. Free cash flow isn't a meaningful measure for financial services companies like CIFR.
BAP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -48.7K shares |
| 1 year | -0.6% | -486K shares |
| 3 years | -0.4% | -326K shares |
| 5 years | -0.4% | -319K shares |
| Available history | -0.3% | -223K shares |
BAP has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $10.5M |
| Q1 2026 | $8.1M |
| Q4 2025 | $1.5M |
| Q3 2025 | $1.1M |
| Q2 2025 | — |
| Q1 2025 | $35M |
| Q4 2024 | — |
| Q3 2024 | — |
BAP has spent almost nothing on buybacks in the past year.
CIFR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +7.4% | +30.3M shares |
| 1 year | +12% | +46.5M shares |
| 3 years | +75% | +188M shares |
| 5 years | +102% | +222M shares |
CIFR has 440M diluted shares, up 12% from a year ago, despite $151M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $19.7M |
| Q2 2026 | $45.2M |
| Q1 2026 | $3.8M |
| Q4 2025 | $82.3M |
| Q3 2025 | $3M |
| Q2 2025 | $3.2M |
| Q1 2025 | $1.1M |
| Q4 2024 | $16.9M |
CIFR spent $151M buying back its own shares over the past year, about six times what it spent the year before.
BAP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -0.8x | Net Cash |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
| Q3 2024 | -0.9x | Net Cash |
BAP has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BAP.
CIFR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -2.3x | Net Cash |
| Q1 2025 | 125.4x | High |
| Q4 2024 | 0.5x | Very low |
| Q3 2024 | -0.7x | Net Cash |
| Q2 2024 | -1.2x | Net Cash |
| Q1 2024 | -0.9x | Net Cash |
| Q4 2023 | -2.2x | Net Cash |
| Q2 2023 | -0.1x | Net Cash |
CIFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIFR.
BAP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.2 | Neutral |
| Stochastic | 20.6 | Neutral |
BAP's weekly RSI is 50 (neutral) and its Stochastic is 21 (neutral).
CIFR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.4 | Neutral |
| Stochastic | 7.8 | Oversold |
CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).
BAP PE vs Financial Services Sector
| Metric | BAP | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.5% above |
| PE % | 70 | 63 | 7 pts above |
BAP is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
CIFR PE vs Financial Services Sector
| Metric | CIFR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
CIFR has no meaningful PE right now: it lost money over the past year.
BAP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $370.4 | 1.4% below |
| 20 week MA | $379.9 | 3.8% below |
| 50 week MA | $349.4 | 4.6% above |
| 100 week MA | $284.1 | 29% above |
| 200 week MA | $218.9 | 67% above |
BAP has the edge over CIFR on trend strength, trading above more of its moving averages.
CIFR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.6 | 33% below |
| 20 week MA | $15.5 | 54% below |
| 50 week MA | $17.0 | 58% below |
| 100 week MA | $12.2 | 41% below |
| 200 week MA | $7.86 | 9% below |
CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.
BAP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $215.3 | $165.0 | -23% |
| 2021 | $165.0 | $119.9 | -27% |
| 2022 | $119.9 | $134.7 | +12% |
| 2023 | $134.7 | $149.9 | +11% |
| 2024 | $149.9 | $181.1 | +21% |
| 2025 | $181.1 | $291.5 | +61% |
| 2026 YTD | $291.5 | $365.4 | +25% |
BAP has the edge over CIFR on returns for 2026, with the stronger performance.
CIFR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.92 | $9.95 | +0.3% |
| 2021 | $9.95 | $5.21 | -48% |
| 2022 | $5.21 | $0.54 | -90% |
| 2023 | $0.54 | $4.13 | +665% |
| 2024 | $4.13 | $4.86 | +18% |
| 2025 | $4.86 | $15.2 | +213% |
| 2026 YTD | $15.2 | $7.15 | -53% |
CIFR's yearly returns have swung widely, from +665% in 2023 to −90% in 2022. It's down 53% so far in 2026.