Why BAP Stock dropped -3.39% Today — RQD Quant Desk Flash

$348.96 -3.39% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $346.17

Credicorp Ltd. (BAP) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $28.69B
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BAP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Credicorp Ltd. (NYSE: BAP) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $348.96 (-3.39% 1D, market cap $28.69B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, BAP ranks #448 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BAP compare to BSBR and CIB in the Financials sector?
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Within the Financials sector (Commercial Banks), BAP carries a Roarable C- (59/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, BSBR (Banco Santander Brasil SA American) holds a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $34.14B) and CIB (Grupo Cibest S.A. American) posts a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $22.30B). Among the 5-stock peer group, BAP leads on earnings multiple (32.8x) while BAP leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BAP?
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For Credicorp Ltd. (BAP), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #448 in Financials, while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $346.17 (-0.80%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510059
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C
Cash (12)Whales (9)SEC (15)Macro (11)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+0.4% Base Target
$434 Bull$351 Base$273 Bear
📬 FREE BAP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BAP)Realized 20D OHLCV Swing Band: ±5.8%
Deterministic 5-Pillar Attribution (59/100 Composite)
🔍 WHY BAP SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (20% of score)

SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($633.9M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
67
Grade B-$380.69+2.6% Next Q
Q2 (-2Q)
64
Grade C+$390.55-6.5% Next Q
Q3 (-1Q)
62
Grade C+$365.28-4.5% Next Q
Current
59
Grade C-$348.96+0.2% Hist 90D α
Trajectory: B- (67) → C- (59)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BAP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, BAP faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($378.08) or 200D SMA ($359.51) invalidates the momentum regime and cuts Target Base ($350.53) toward Bear Floor ($273.41).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BAP• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BAP Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why BAP Stock dropped -3.39% Today — RQD Quant Desk Flash

Credicorp Ltd. (BAP) dropped -3.39% to $348.96, trading at 65% of its 52-week range ($230.45 – $413.25). Solid steady margins (10% return on capital), mixed timing at 33x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 65% of its 52-week range ($230.45 – $413.25) with RSI-14 at 40.7 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±5.8% around $348.96 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $633.9M annual free cash flow.
Live BAP Headlines & Catalysts
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (BAP Tape Review)

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BAP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.06%🛡️ HOLDING TREND SUPPORT
2026-11-02O $364.1H $364.1L $349.0C $349.0VOL 393.1K
RES: $391.3SUP: $345.8SMA50: $378.1SMA200: $359.5
$421.8$386.4$351.0$315.6$280.2RES $391.3SUP $345.8$349.02026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BAP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
25.3%/yr Implied 5Y Growth

vs. +13.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BAP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BAP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BAP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BAP)

Financials Rank #448 of 1096 ⚔️ BSBR vs BAP Full Matrix →

1. Head-to-Head Financials Peer Comparison (BAP vs. BSBR, CIB, KB, BCH)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Credicorp Ltd. (BAP) ranks #448 by composite RQD confidence (59/100, grade C-) and #95 by equity capitalization ($28.69B). Within this direct 5-issuer industry benchmark cohort, BAP leads on earnings valuation at 32.8x trailing P/E, while BAP leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. BAP currently leads its immediate peer cohort in composite quantitative strength at 59/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BAP ACTIVE
Credicorp Ltd.
C- 59/100 32.8x — 9.9% -3.39% $28.69B Benchmark Subject
BSBR
Banco Santander Brasil SA American
D 50/100 32.8x — 9.9% -3.50% $34.14B /bsbr-vs-bap →
CIB
Grupo Cibest S.A. American
D+ 58/100 32.8x — 9.9% -1.65% $22.30B /cib-vs-bap →
KB
KB Financial Group Inc
D+ 58/100 32.8x — 9.9% -1.59% $40.62B /kb-vs-bap →
BCH
Banco De Chile ADS
D 50/100 32.8x — 9.9% -4.49% $19.33B /bch-vs-bap →

2. BAP Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Credicorp Ltd. (BAP) operates in Commercial Banks (Financials) with an equity capitalization of $28.69B, trailing P/E of 32.8x, forward P/E of 27.6x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 8/9.

3. BAP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BAP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Credicorp Ltd. (NYSE: BAP) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $348.96 (-3.39% 1D, market cap $28.69B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, BAP ranks #448 in composite RQD confidence.

How does BAP compare to BSBR and CIB in the Financials sector?

Within the Financials sector (Commercial Banks), BAP carries a Roarable C- (59/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, BSBR (Banco Santander Brasil SA American) holds a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $34.14B) and CIB (Grupo Cibest S.A. American) posts a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $22.30B). Among the 5-stock peer group, BAP leads on earnings multiple (32.8x) while BAP leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BAP?

For Credicorp Ltd. (BAP), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #448 in Financials, while primary risk factors center on Broader market pullbacks can still drag down strong stocks in the short run. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BAP trading relative to its 50-day, 200-day, and 52-week technical levels?

BAP last traded at $348.96 (-3.39% on volume of 377,025 shares), positioning the stock -7.70% below its 50-day simple moving average ($378.08) and -2.93% below its 200-day simple moving average ($359.51). Across its 52-week range of $230.45 to $413.25, BAP sits at the 64.8% percentile with a 14-day RSI of 40.7 (NEUTRAL RANGE) and an implied next-earnings move of ±5.8% ($328.72 to $369.20).

BAP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Why is BAP stock moving today?

Why BAP Stock dropped -3.39% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 33x P/E—hold if owned, no rush to chase.

ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

BAP — Credicorp Ltd.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T14:09:17Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, BAP scores 59 out of 100, equating to a letter grade of C- and a verdict label of "Roarable Hold — Cautious Neutral." Across the five pillars, the fundamental cash engine scores 12 of 20 (ROIC 9.9%; FCF yield 2.21%), suggesting modest but not exceptional returns relative to the capital employed and the cash the business generates against its valuation. Whale/13F flow scores 9 of 20, indicating institutional accumulation and options positioning that is comparatively weak in the RQD framework. Insider conviction scores 12 of 20 based on SEC Form 4 and Congressional PTR cluster flow. Macro regime fit scores 11 of 20 (beta 1.03; sector sensitivity), meaning the stock tracks broad market movement closely and carries sector-level exposure. Forensic balance sheet scores 15 of 20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5), the strongest pillar in the set, pointing to a financially sound balance sheet by these measures.

For a prospective investor evaluating the stock today, the upside drivers implied by the rating are the balance sheet strength and the operating profitability indicated by the margin data. The valuation tradeoff is visible in the multiples: a trailing P/E of 32.8 and EV/EBITDA of 21 sit against a 2.21% FCF yield, so the price embeds expectations that the rating's pillar scores do not fully reinforce. The weaker whale-flow and macro-fit pillars suggest limited institutional momentum and high sensitivity to market conditions. This is an educational reading of the rating, not a recommendation.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
361.19$28.69B32.827.621110%1.03$230.45 - $413.259.9%

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts feed, the headlines are predominantly market-wire and aggregator items. The highest-impact item is labeled "CATALYST": a Yahoo Finance piece asking whether BAP will beat estimates in its next earnings report. A Stock Titan item states that Credicorp will publish results after the market closes on Nov. 9, with discussion on Nov. 10, which is the one dated catalyst in the feed. Other items (Benzinga, MarketBeat, GuruFocus, Yahoo! Finance Canada) are coverage pieces on market action and institutional positioning, and a GuruFocus piece references a 3.4% decline and a GF Value of $25. The feed contains no quantified earnings estimates, guidance, or sentiment scores.

Per the Butterfly Supply-Chain Graph, the supply chain is listed as "NONE," with no butterfly links and no proprietary signals.

Risk watch items: the earnings event on Nov. 9/10, and the stated 3.4% decline noted in the GuruFocus headline.

Open Questions

  • What are BAP's reported revenue, operating income, net income, and cash/debt figures by period, given that the financials section is empty?
  • What do analysts consensus-rate the stock, and what price targets exist, given that the analyst data section is empty?
  • Which institutions hold BAP and what insider or 13F activity has occurred, given that the holders section is empty?
  • What are the specific earnings estimates and results expected at the Nov. 9/10 event?
  • What is the business mix and geographic exposure behind the Commercial Banks classification?

BAP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Credicorp Ltd. (BAP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BAP Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BAP Bull vs. Bear Conversation Board — What's Your Call at $348.96?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BAP 🐻 50% BEARISH CONVICTION
1. Pick Your Side on BAP:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $390.09 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is BAP (C- • RQD 59/100) a Buy at $361.19?

Welcome to the BAP (Credicorp Ltd.) Roar Pit. Current RQD Composite is 59/100 (Roarable Hold — Cautious Neutral) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $278.12 (-23.0%)
Spot @ $361.19

Pump the brakes on BAP — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on BAP, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Credicorp Ltd. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $455.10 (+26.0%)
Spot @ $361.19

BAP cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on BAP, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $361.19 (52-wk range $230.45 - $413.25), any beat on forward guidance forces shorts and underweight funds to chase.

LIVE TAPE SPY $755.72 -0.38% QQQ $690.49 -1.44% DIA $517.13 -0.37% IWM $279.33 +0.96% NVDA $204.64 -4.22% AAPL $344.63 -1.23% MSFT $521.91 -1.55% TSLA $399.81 -0.86% PLTR $184.11 -6.27% SOFI $16.76 -4.83% IBIT $43.36 -0.94% GLD $355.78 -1.34%