TWLO vs BAP

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

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

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

TWLO vs BAP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

TWLO

$28B

Winner

BAP

$28B

Max Drawdown

TWLO

90.36%

Winner

BAP

64.93%

Sharpe Ratio

TWLO

1.29

Winner

BAP

1.38

5Y Beta

TWLO

1.34

Winner

BAP

0.67

Industry

TWLO

Software - Infrastructure

BAP

Banks - Regional

P/E Ratio

TWLO

163.36

Winner

BAP

13.38

Forward P/E

TWLO

40.98

Winner

BAP

12.64

PEG Ratio

Winner

TWLO

0.34

BAP

0.39

Dividend Yield

TWLO

N/A

BAP

4.43%

5Y EPS CAGR

TWLO

N/A

BAP

42.63%

Debt to Equity

Winner

TWLO

12.75%

BAP

80.93%

Free Cash Flow Yield

TWLO

3.49%

Winner

BAP

6.80%

P/S Ratio

TWLO

5.31

Winner

BAP

1.26

P/B Ratio

TWLO

3.54

Winner

BAP

2.40

TWLO vs BAP - Historical Returns

Returns include dividend reinvestment.

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

Winner

TWLO

+15.55%

BAP

+1.76%

Winner

TWLO

+80.10%

BAP

-3.04%

Winner

TWLO

+77.50%

BAP

+18.99%

Winner

TWLO

+87.08%

BAP

+50.94%

5Y(CAGR)

TWLO

-6.12%

Winner

BAP

+21.90%

10Y(CAGR)

Winner

TWLO

+23.01%

BAP

+12.00%

Max(CAGR)

Winner

TWLO

+23.01%

BAP

+17.04%

TWLO vs BAP - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

TWLO vs BAP Drawdown Comparison

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

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

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

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