BAP vs TWLO

Comparison between Credicorp Ltd (BAP, Company) and Twilio Inc Class A (TWLO, Company).

BAP is from the Financial Services sector, while TWLO is from the Technology sector.

5-Year PerformanceBAP has outperformed TWLO, delivering a return of +21.9% compared to -6.1%

BAP vs TWLO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BAP(COMPANY)	TWLO(COMPANY)
Market Cap	$28B	$28B
Max Drawdown	64.93%	90.36%
Sharpe Ratio	1.38	1.29
5Y Beta	0.67	1.34
Industry	Banks - Regional	Software - Infrastructure
P/E Ratio	13.38	163.36
Forward P/E	12.64	40.98
PEG Ratio	0.39	0.34
Dividend Yield	4.43%	N/A
5Y EPS CAGR	42.63%	N/A
Debt to Equity	80.93%	12.75%
Free Cash Flow Yield	6.80%	3.49%
P/S Ratio	1.26	5.31
P/B Ratio	2.40	3.54

Market Cap

Winner

BAP

$28B

TWLO

$28B

Max Drawdown

Winner

BAP

64.93%

TWLO

90.36%

Sharpe Ratio

Winner

BAP

1.38

TWLO

1.29

5Y Beta

Winner

BAP

0.67

TWLO

1.34

Industry

BAP

Banks - Regional

TWLO

Software - Infrastructure

P/E Ratio

Winner

BAP

13.38

TWLO

163.36

Forward P/E

Winner

BAP

12.64

TWLO

40.98

PEG Ratio

BAP

0.39

Winner

TWLO

0.34

Dividend Yield

BAP

4.43%

TWLO

N/A

5Y EPS CAGR

BAP

42.63%

TWLO

N/A

Debt to Equity

BAP

80.93%

Winner

TWLO

12.75%

Free Cash Flow Yield

Winner

BAP

6.80%

TWLO

3.49%

P/S Ratio

Winner

BAP

1.26

TWLO

5.31

P/B Ratio

Winner

BAP

2.40

TWLO

3.54

BAP vs TWLO - Historical Returns

Returns include dividend reinvestment.

Period	BAP	TWLO
1 month	+1.76%	+15.55%
3 months	-3.04%	+80.10%
6 months	+18.99%	+77.50%
1 year	+50.94%	+87.08%
5 years(CAGR)	+21.90%	-6.12%
10 years(CAGR)	+12.00%	+23.01%
Max(CAGR)	+17.04%	+23.01%

BAP

+1.76%

Winner

TWLO

+15.55%

BAP

-3.04%

Winner

TWLO

+80.10%

BAP

+18.99%

Winner

TWLO

+77.50%

BAP

+50.94%

Winner

TWLO

+87.08%

5Y(CAGR)

Winner

BAP

+21.90%

TWLO

-6.12%

10Y(CAGR)

BAP

+12.00%

Winner

TWLO

+23.01%

Max(CAGR)

BAP

+17.04%

Winner

TWLO

+23.01%

BAP vs TWLO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	BAP	TWLO
2026	+13.13%	+63.33%
2025	+64.72%	+30.41%
2024	+32.49%	+51.95%
2023	+14.25%	+50.48%
2022	+12.39%	-81.33%
2021	-21.66%	-21.29%
2020	-20.35%	+228.16%
2019	-2.35%	+13.00%
2018	+3.99%	+255.78%
2017	+34.80%	-10.94%
2016	+69.45%	+0.21%
2015	-38.03%	N/A
2014	+24.00%	N/A
2013	-9.54%	N/A
2012	+36.81%	N/A
2011	-6.73%	N/A
2010	+56.14%	N/A
2009	+56.69%	N/A
2008	-32.22%	N/A
2007	+87.36%	N/A
2006	+75.55%	N/A
2005	+51.20%	N/A
2004	+21.81%	N/A
2003	+44.34%	N/A
2002	+10.25%	N/A
2001	+51.09%	N/A
2000	-48.50%	N/A
1999	+12.89%	N/A

BAP vs TWLO Drawdown Comparison

The maximum drawdown for BAP was -64.93%, occurring on Oct 27, 2008. Recovery took 440 trading sessions.

The maximum drawdown for TWLO was -90.36%, occurring on Nov 4, 2022. This drawdown has not yet recovered.

The current BAP drawdown is -13.66%. The current TWLO drawdown is -49.04%.

Rank	BAP	TWLO
#1	-64.93% Jun 16, 2008 - Mar 16, 2010	-90.36% Feb 18, 2021 - Nov 4, 2022
#2	-59.33% Mar 18, 2019 - Nov 18, 2024	-66.41% Sep 28, 2016 - Aug 7, 2018
#3	-56.49% Jan 14, 2000 - Nov 25, 2003	-52.18% Jul 26, 2019 - May 7, 2020
#4	-48.00% Dec 3, 2014 - Jan 10, 2017	-27.05% Sep 25, 2018 - Nov 7, 2018
#5	-34.18% Nov 8, 2010 - Mar 1, 2012	-22.51% Aug 3, 2020 - Oct 2, 2020
#6	-30.50% Mar 28, 2013 - Nov 4, 2014	-21.81% Dec 12, 2018 - Jan 7, 2019
#7	-24.06% Oct 4, 2005 - Feb 27, 2006	-21.20% Oct 13, 2020 - Dec 11, 2020
#8	-20.00% Jan 7, 2004 - Oct 6, 2004	-21.10% Nov 7, 2018 - Dec 12, 2018
#9	-18.64% Feb 3, 2026 - May 18, 2026	-14.05% Jan 20, 2021 - Feb 4, 2021
#10	-16.75% Feb 20, 2007 - Apr 17, 2007	-12.52% May 16, 2019 - Jun 7, 2019
#11	-16.29% Apr 5, 2012 - Nov 9, 2012	-12.49% Aug 16, 2016 - Sep 21, 2016
#12	-15.41% Nov 8, 2006 - Feb 9, 2007	-11.79% Jul 15, 2016 - Aug 9, 2016
#13	-15.08% Jul 23, 2007 - Sep 27, 2007	-11.26% Dec 22, 2020 - Jan 12, 2021
#14	-14.90% Feb 27, 2006 - May 9, 2006	-10.03% Apr 30, 2019 - May 16, 2019
#15	-14.48% Nov 21, 2024 - Apr 28, 2025	-9.98% Mar 21, 2019 - Apr 29, 2019