Credit Agricole (OTCMKTS:CRARY – Get Free Report) and UniCredit (OTCMKTS:UNCRY – Get Free Report) are both large-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, institutional ownership, risk, valuation, dividends and profitability.
Dividends
Credit Agricole pays an annual dividend of $0.42 per share and has a dividend yield of 4.2%. UniCredit pays an annual dividend of $1.35 per share and has a dividend yield of 2.9%. Credit Agricole pays out 35.0% of its earnings in the form of a dividend.
Profitability
This table compares Credit Agricole and UniCredit’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Credit Agricole | 24.36% | 24.26% | 0.88% |
| UniCredit | 34.34% | 20.22% | 1.60% |
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Credit Agricole | 0 | 4 | 1 | 0 | 2.20 |
| UniCredit | 0 | 2 | 3 | 2 | 3.00 |
Insider and Institutional Ownership
0.6% of Credit Agricole shares are owned by institutional investors. Comparatively, 0.3% of UniCredit shares are owned by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Valuation & Earnings
This table compares Credit Agricole and UniCredit”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Credit Agricole | $31.76 billion | 1.92 | $8.00 billion | $1.20 | 8.42 |
| UniCredit | $41.32 billion | 3.42 | $15.35 billion | N/A | N/A |
UniCredit has higher revenue and earnings than Credit Agricole.
Volatility and Risk
Credit Agricole has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500. Comparatively, UniCredit has a beta of 0.98, indicating that its share price is 2% less volatile than the S&P 500.
Summary
UniCredit beats Credit Agricole on 10 of the 13 factors compared between the two stocks.
About Credit Agricole
Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France and internationally. It operates through French Retail Banking Regional Banks; French Retail Banking – LCL; International Retail Banking; Asset Gathering; Large Customers; and Specialised Financial Services segments. The company offers banking products and services, finance, savings, wealth management, payment, and cash flow management services; consumer finance products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; investment solutions; and banking and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services; and online banking services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.
About UniCredit
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and finance solutions, as well as securities services. In addition, it offers transactional and risk management, and strategic advisory and funding services; group trade and correspondent banking services; and payments and cash management solutions. The company serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. The company was founded in 1870 and is headquartered in Milan, Italy.
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