ICICI Bank (NYSE:IBN) and CR AGRICOLE S A/ADR (OTCMKTS:CRARY) are both large-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, profitability, risk, valuation, institutional ownership, dividends and earnings.
Volatility & Risk
ICICI Bank has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500. Comparatively, CR AGRICOLE S A/ADR has a beta of 1.47, indicating that its stock price is 47% more volatile than the S&P 500.
This is a breakdown of recent ratings and target prices for ICICI Bank and CR AGRICOLE S A/ADR, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|CR AGRICOLE S A/ADR||0||1||2||0||2.67|
Valuation & Earnings
This table compares ICICI Bank and CR AGRICOLE S A/ADR’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|ICICI Bank||$11.27 billion||3.40||$1.20 billion||$0.15||79.47|
|CR AGRICOLE S A/ADR||$23.19 billion||1.42||$5.17 billion||$0.82||7.09|
CR AGRICOLE S A/ADR has higher revenue and earnings than ICICI Bank. CR AGRICOLE S A/ADR is trading at a lower price-to-earnings ratio than ICICI Bank, indicating that it is currently the more affordable of the two stocks.
This table compares ICICI Bank and CR AGRICOLE S A/ADR’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|CR AGRICOLE S A/ADR||22.28%||6.75%||0.27%|
ICICI Bank pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. CR AGRICOLE S A/ADR pays an annual dividend of $0.27 per share and has a dividend yield of 4.6%. ICICI Bank pays out 26.7% of its earnings in the form of a dividend. CR AGRICOLE S A/ADR pays out 32.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. ICICI Bank has increased its dividend for 6 consecutive years.
Institutional and Insider Ownership
23.2% of ICICI Bank shares are owned by institutional investors. Comparatively, 0.4% of CR AGRICOLE S A/ADR shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
CR AGRICOLE S A/ADR beats ICICI Bank on 10 of the 16 factors compared between the two stocks.
ICICI Bank Company Profile
ICICI Bank Limited, together with its subsidiaries, provides banking and financial services in India and internationally. It operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, General Insurance, and Others segments. The company offers savings, salary, pension, current, and other accounts; and fixed, recurring, and security deposits. It also provides home, car, two wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, such as working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and secured loans for credit card swipes, as well as loans for new entities, and schools and colleges; and credit, debit, prepaid, travel, and corporate cards. In addition, the company offers life, health, travel, car, two wheeler, home, and student medical insurance products; pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, and initial public offerings, as well as other online investment services; and farmer finance, tractor loans, and micro banking services, as well as other services to agri traders and processors, and agri corporates. Further, it provides portfolio management, trade, foreign exchange, locker, private and NRI banking, and cash management services; family wealth and demat accounts; commercial banking, investment banking, capital markets and custodial, project and technology finance, and institutional banking services, as well as Internet, mobile, and phone banking services. Additionally, the company offers securities investment, broking, trading, and underwriting services; and merchant banking, private equity/venture capital fund management, trusteeship, and pension fund management services. As of March 31, 2018, it had a network of 4,867 branches and 14,367 ATMs. ICICI Bank Limited was founded in 1955 and is based in Mumbai, India.
CR AGRICOLE S A/ADR Company Profile
Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through five segments: Asset Gathering; French Retail Banking – LCL; International Retail Banking; Specialised Financial Services; and Large Customers. The company offers payment instruments, loans, and saving products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; and expertise and investment solutions for active, passive, real estate, and alternative asset management. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance and flow management services. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, custody, fund administration, middle-office, forex, security lending and borrowing, and fund distribution support and services to issuers. Crédit Agricole S.A. serves retail and corporate customers, banks and financial institutions, government agencies, and local authorities. The company is based in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boétie.
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