Intesa Sanpaolo (OTCMKTS:ISNPY – Get Free Report) and Industrial & Commercial Bank of China Ltd. (OTCMKTS:IDCBY – Get Free Report) are both large-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, analyst recommendations, earnings, risk, institutional ownership, profitability and dividends.
Profitability
This table compares Intesa Sanpaolo and Industrial & Commercial Bank of China Ltd.’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Intesa Sanpaolo | 25.19% | 14.10% | 1.02% |
| Industrial & Commercial Bank of China Ltd. | 24.78% | 8.95% | 0.71% |
Earnings & Valuation
This table compares Intesa Sanpaolo and Industrial & Commercial Bank of China Ltd.”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Intesa Sanpaolo | $43.96 billion | 2.70 | $10.54 billion | $3.72 | 10.96 |
| Industrial & Commercial Bank of China Ltd. | $208.16 billion | 1.45 | $51.27 billion | $2.84 | 5.97 |
Industrial & Commercial Bank of China Ltd. has higher revenue and earnings than Intesa Sanpaolo. Industrial & Commercial Bank of China Ltd. is trading at a lower price-to-earnings ratio than Intesa Sanpaolo, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Intesa Sanpaolo has a beta of 0.78, indicating that its share price is 22% less volatile than the S&P 500. Comparatively, Industrial & Commercial Bank of China Ltd. has a beta of 0.1, indicating that its share price is 90% less volatile than the S&P 500.
Dividends
Intesa Sanpaolo pays an annual dividend of $1.91 per share and has a dividend yield of 4.7%. Industrial & Commercial Bank of China Ltd. pays an annual dividend of $0.75 per share and has a dividend yield of 4.4%. Intesa Sanpaolo pays out 51.3% of its earnings in the form of a dividend. Industrial & Commercial Bank of China Ltd. pays out 26.4% 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.
Insider & Institutional Ownership
1.2% of Intesa Sanpaolo shares are owned by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Analyst Ratings
This is a breakdown of recent ratings and price targets for Intesa Sanpaolo and Industrial & Commercial Bank of China Ltd., as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Intesa Sanpaolo | 0 | 3 | 4 | 1 | 2.75 |
| Industrial & Commercial Bank of China Ltd. | 0 | 1 | 0 | 0 | 2.00 |
Summary
Intesa Sanpaolo beats Industrial & Commercial Bank of China Ltd. on 12 of the 15 factors compared between the two stocks.
About Intesa Sanpaolo
Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; private and commercial banking, corporate and transaction banking, structured finance, investment banking, public finance, and capital markets; industrial credit, leasing, and factoring; asset management; life and non-life insurance and pension products; asset and wealth management; private investments; and bancassurance products. The company serves individuals, small and medium-sized businesses, non-profit customers, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. was founded in 1998 and is headquartered in Turin, Italy.
About Industrial & Commercial Bank of China Ltd.
Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. The company operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include trade financing, deposit, corporate wealth management, custody, and various corporate intermediary services, as well as corporate loans. Its Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Business segment is involved in the money market transactions, investment securities, and proprietary and foreign exchange transactions businesses. It also offers e-banking services, investment banking, financial leasing, and insurance services. Industrial and Commercial Bank of China Limited was incorporated in 1984 and is based in Beijing, the People's Republic of China.
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