Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in HDFC Bank Limited or Credicorp Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how HDFC Bank Limited and Credicorp Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About HDFC Bank Limited and Credicorp Ltd.

HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers savings, salary, current, rural, public provident fund, pension, and demat accounts; fixed and recurring deposits; and safe deposit lockers, as well as offshore accounts and deposits, and overdrafts against fixed deposits. The company also provides personal, home, car and pre owned car, marriage, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, and car; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital, term loans, supply chain management, project finance, export finance, commercial vehicle / equipment finance, tractor finance, infrastructure, and agriculture finance. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.

Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.

Latest Banks and HDFC Bank Limited, Credicorp Ltd. Stock News

As of September 2, 2026, HDFC Bank Limited had a $114.3 billion market capitalization, compared to the Banks median of $750.0 million. HDFC Bank Limited’s stock is down 36.5% in 2026, up 3.3% in the previous five trading days and down 33.58% in the past year.

Currently, HDFC Bank Limited’s price-earnings ratio is 44.1. HDFC Bank Limited’s trailing 12-month revenue is $30.2 billion with a 26.8% net profit margin. Year-over-year quarterly sales growth most recently was -9.3%. Analysts expect adjusted earnings to reach $1.210 per share for the current fiscal year. HDFC Bank Limited currently has a 1.8% dividend yield.

As of September 2, 2026, Credicorp Ltd. had a $30.1 billion market cap, putting it in the 90th percentile of all stocks. Credicorp Ltd.’s stock is up 33% in 2026, up 2.3% in the previous five trading days and up 45.92% in the past year.

Currently, Credicorp Ltd.’s price-earnings ratio is 14.0. Credicorp Ltd.’s trailing 12-month revenue is $6.5 billion with a 33.1% net profit margin. Year-over-year quarterly sales growth most recently was 16.1%. Analysts expect adjusted earnings to reach $29.696 per share for the current fiscal year. Credicorp Ltd. currently has a 13.2% dividend yield.

How We Compare HDFC Bank Limited and Credicorp Ltd. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at HDFC Bank Limited and Credicorp Ltd.’s stock grades to see how they measure up against one another.

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HDFC Bank Limited and Credicorp Ltd. Stock Value Grades

Company	Ticker	Value
HDFC Bank Limited	HDB	C
Credicorp Ltd.	BAP	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

HDFC Bank Limited has a Value Score of 58, which is Average. Credicorp Ltd. has a Value Score of 75, which is Value.

The Value Stock Winner: Credicorp Ltd.

As you can clearly see from the Value Grade breakdown above, Credicorp Ltd. is considered to have better value than HDFC Bank Limited. For investors who focus solely on a company’s valuation, Credicorp Ltd. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

HDFC Bank Limited and Credicorp Ltd.’s Quality Grades

Company	Ticker	Quality
HDFC Bank Limited	HDB	D
Credicorp Ltd.	BAP	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

HDFC Bank Limited has a Quality Score of 25, which is Weak. Credicorp Ltd. has a Quality Score of 5, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither HDFC Bank Limited or Credicorp Ltd. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if HDFC Bank Limited or Credicorp Ltd. is the better investment when it comes to quality.

HDFC Bank Limited and Credicorp Ltd.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
HDFC Bank Limited	HDB	F
Credicorp Ltd.	BAP	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

HDFC Bank Limited has a Earnings Estimate Score of 18, which is Very Negative. Credicorp Ltd. has a Earnings Estimate Score of 40, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither HDFC Bank Limited or Credicorp Ltd. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if HDFC Bank Limited or Credicorp Ltd. is the better investment when it comes to estimate revisions.

Other HDFC Bank Limited and Credicorp Ltd. Grades

In addition to Value, Estimate Revisions and Quality, A+ Investor also provides grades for Growth and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether HDFC Bank Limited and Credicorp Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, HDFC Bank Limited or Credicorp Ltd. Stock?

Overall, HDFC Bank Limited stock has a Value Score of 58, Estimate Revisions Score of 18 and Quality Score of 25.

Credicorp Ltd. stock has a Value Score of 75, Estimate Revisions Score of 40 and Quality Score of 5.

Comparing HDFC Bank Limited and Credicorp Ltd.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.