BAP
Credicorp Ltd.
BAP has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BAP overall, supported by stronger modeled upside and stronger valuation.
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.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
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.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI 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.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI 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 SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as 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 has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over BAP on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
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 SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
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 SOFI 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.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
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.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI 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).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
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 SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% 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 SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% 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 SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.