BAP
Credicorp Ltd.
BAP has a slight edge over HOOD overall, supported by lower modeled downside and stronger fundamentals.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
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.
HOOD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HOOD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HOOD.
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.
HOOD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $81.35 | — |
| Cheap | 37x | $78.84 | -3.1% |
| Current | 38x | $81.35 | — |
| Fair | 51x | $110 | +35% |
| Expensive | 74x | $160 | +96% |
Historical ranges are pointers, not guarantees.
HOOD has the edge over BAP in the historical PE scenario, which offers more potential upside but is not a forecast.
BAP Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BAP, with profitability holding steady.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD 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 HOOD on earnings, with more consistent year-over-year improvement.
HOOD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +26% |
| Q3 2026 | $2.16 | -10% |
| Q2 2026 | $2.26 | +15% |
| Q1 2026 | $2.06 | +18% |
| Q4 2025 | $2.05 | +31% |
| Q3 2025 | $2.40 | +314% |
| Q2 2025 | $1.96 | +513% |
| Q1 2025 | $1.75 | +1150% |
| Q4 2024 | $1.56 | +$2.17 |
HOOD earned $2.16 per share over the past year, down 10% from the year before.
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's revenue has picked up after two years of holding roughly level: $2.4B last quarter, up 9.3% from the same quarter a year ago.
| 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's operating margin was 35% last quarter, about level with the same quarter a year ago.
HOOD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +12% |
| Q2 2026 | $1.3B | +32% |
| Q1 2026 | $1.1B | +15% |
| Q4 2025 | $1.3B | +27% |
| Q3 2025 | $1.3B | +100% |
| Q2 2025 | $989M | +45% |
| Q1 2025 | $927M | +50% |
| Q4 2024 | $1B | +115% |
HOOD has the edge over BAP on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -5.9 points |
| Q2 2026 | 54% | +9.5 points |
| Q1 2026 | 39% | -1.5 points |
| Q4 2025 | 52% | -3.5 points |
| Q3 2025 | 50% | +26 points |
| Q2 2025 | 45% | +17 points |
| Q1 2025 | 40% | +14 points |
| Q4 2024 | 55% | +49 points |
HOOD has the edge over BAP on profitability, with a higher operating margin.
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's free cash flow was $1.5B over the past year, up 122% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAP.
HOOD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +$2.8B |
| Q2 2026 | $720M | -79% |
| Q1 2026 | $2B | +217% |
| Q4 2025 | -$937M | +$463M |
| Q3 2025 | -$1.6B | -187% |
| Q2 2025 | $3.5B | +6398% |
| Q1 2025 | $642M | +$1.3B |
| Q4 2024 | -$1.4B | -246% |
HOOD has the edge over BAP on cash flow, with more consistent year-over-year improvement.
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 79M diluted shares, down 0.6% from a year ago.
| 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.
HOOD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -0.8% | -6.9M shares |
| 3 years | +1.8% | +15.9M shares |
| 5 years | +292% | +679M shares |
| Available history | +7.2% | +60.8M shares |
HOOD has the edge over BAP on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $414M |
| Q1 2026 | $250M |
| Q4 2025 | $100M |
| Q3 2025 | $107M |
| Q2 2025 | $124M |
| Q1 2025 | $322M |
| Q4 2024 | $160M |
HOOD spent $789M buying back its own shares over the past year, up 11% from 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.
HOOD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -3.3x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
HOOD has the edge over BAP on leverage, with a lower net debt burden relative to earnings.
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).
HOOD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.8 | Neutral |
| Stochastic | 9.5 | Oversold |
HOOD's weekly RSI is 41 (neutral) and its Stochastic is 10 (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 has the edge over HOOD on valuation relative to its sector.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD is trading at 38x earnings, a 189% premium to the Financial Services sector's median of 13x.
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 HOOD on trend strength, trading above more of its moving averages.
HOOD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.8 | 17% below |
| 20 week MA | $102.2 | 20% below |
| 50 week MA | $95.4 | 15% below |
| 100 week MA | $88.5 | 8.1% below |
| 200 week MA | $52.1 | 56% above |
HOOD has fallen below most of its moving averages, though it's still 56% above 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 HOOD on returns for 2026, with the stronger performance.
HOOD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $35.2 | $18.9 | -46% |
| 2022 | $18.9 | $7.95 | -58% |
| 2023 | $7.95 | $12.7 | +60% |
| 2024 | $12.7 | $39.0 | +206% |
| 2025 | $39.0 | $118.1 | +203% |
| 2026 YTD | $118.1 | $81.4 | -31% |
HOOD's yearly returns have swung widely, from +206% in 2024 to −58% in 2022. It's down 31% so far in 2026.