Inter & Co, Inc. (NASDAQ:INTR) versus ICICI Bank (NYSE:IBN) Head-To-Head Analysis

Inter & Co, Inc. (NASDAQ:INTR) and ICICI Bank (NYSE:IBN) are both business services companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, profitability, institutional ownership and analyst recommendations.

Dividends

Inter & Co, Inc. pays an annual dividend of $0.03 per share and has a dividend yield of 0.5%. ICICI Bank pays an annual dividend of $0.20 per share and has a dividend yield of 0.7%. Inter & Co, Inc. pays out 10.0% of its earnings in the form of a dividend. ICICI Bank pays out 13.6% 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.

Earnings and Valuation

This table compares Inter & Co, Inc. and ICICI Bank”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Inter & Co, Inc.	$1.22 billion	2.20	$60.56 million	$0.30	20.63
ICICI Bank	$20.04 billion	5.34	$5.36 billion	$1.47	20.67

ICICI Bank has higher revenue and earnings than Inter & Co, Inc.. Inter & Co, Inc. is trading at a lower price-to-earnings ratio than ICICI Bank, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Inter & Co, Inc. and ICICI Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Inter & Co, Inc.	8.85%	7.85%	1.03%
ICICI Bank	24.31%	15.89%	1.85%

Institutional & Insider Ownership

22.9% of Inter & Co, Inc. shares are held by institutional investors. Comparatively, 18.2% of ICICI Bank shares are held by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Inter & Co, Inc. and ICICI Bank, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Inter & Co, Inc.	0	0	5	0	3.00
ICICI Bank	0	0	0	0	N/A

Inter & Co, Inc. presently has a consensus price target of $7.56, suggesting a potential upside of 22.13%. Given Inter & Co, Inc.’s higher probable upside, research analysts plainly believe Inter & Co, Inc. is more favorable than ICICI Bank.

Volatility & Risk

Inter & Co, Inc. has a beta of 1.5, suggesting that its stock price is 50% more volatile than the S&P 500. Comparatively, ICICI Bank has a beta of 1.02, suggesting that its stock price is 2% more volatile than the S&P 500.

Summary

ICICI Bank beats Inter & Co, Inc. on 9 of the 14 factors compared between the two stocks.

About Inter & Co, Inc.

Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage businesses. The company's Banking & Spending segment offers banking products and services, including checking accounts, cards, deposits, loans and advances, and other services. It also provides debt collection, foreign exchange, and financial services, as well as global account digital solution. Its investments segments offers acquisition, sale and custody of securities; structure and distributes securities in the capital market; and operated and manages fund portfolios and other assets. The company's Insurance Brokerage segment provides warranties, life, property and automobile insurance, pension, and consortium products. In addition, it offers inter shop and commerce plus services. Inter & Co, Inc. was founded in 1994 and is based in Belo Horizonte, Brazil.

About ICICI Bank

ICICI Bank Limited provides various banking products and services in India and internationally. It operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, and Others segments. The company offers savings, salary, pension, current, and other accounts; and time, fixed, recurring, and security deposits services. It also provides home, car, two-wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, including working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and overdraft facilities, as well as loans for new entities and card swipes; and credit, debit, prepaid, travel, forex, and corporate cards. In addition, the company offers pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, initial public offerings, and other online investment services; and agri and rural business, farmer finance, tractor loans, and micro banking services, as well as other services to 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 and investment banking, capital market, custodial, and institutional banking services; health, personal accident, fire, and motor insurance, as well as distributes general and life insurance products; and Internet, mobile, and phone banking services. Additionally, the company offers securities investment, broking, trading, and underwriting services; and merchant banking, trusteeship, housing finance, pension fund management, asset management, investment advisory, points of presence, and private equity/venture capital fund management services. ICICI Bank Limited was founded in 1955 and is headquartered in Mumbai, India.