Inter & Co. Inc. (NASDAQ:INTR – Get Free Report) and Industrial & Commercial Bank of China Ltd. (OTCMKTS:IDCBY – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, analyst recommendations, earnings, risk, institutional ownership, profitability and dividends.
Valuation and Earnings
This table compares Inter & Co. Inc. 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 | |
| Inter & Co. Inc. | $1.93 billion | 1.30 | $235.05 million | $0.66 | 8.58 |
| Industrial & Commercial Bank of China Ltd. | $208.16 billion | 1.68 | $51.27 billion | $2.84 | 6.90 |
Volatility and Risk
Inter & Co. Inc. has a beta of 0.94, indicating that its stock price is 6% less volatile than the S&P 500. Comparatively, Industrial & Commercial Bank of China Ltd. has a beta of 0.1, indicating that its stock price is 90% less volatile than the S&P 500.
Insider & Institutional Ownership
22.9% of Inter & Co. Inc. shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Analyst Ratings
This is a summary of current ratings and recommmendations for Inter & Co. Inc. and Industrial & Commercial Bank of China Ltd., as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Inter & Co. Inc. | 0 | 3 | 3 | 0 | 2.50 |
| Industrial & Commercial Bank of China Ltd. | 0 | 0 | 0 | 1 | 4.00 |
Inter & Co. Inc. presently has a consensus target price of $9.16, suggesting a potential upside of 61.84%. Given Inter & Co. Inc.’s higher possible upside, equities research analysts clearly believe Inter & Co. Inc. is more favorable than Industrial & Commercial Bank of China Ltd..
Dividends
Inter & Co. Inc. pays an annual dividend of $0.11 per share and has a dividend yield of 1.9%. Industrial & Commercial Bank of China Ltd. pays an annual dividend of $0.75 per share and has a dividend yield of 3.8%. Inter & Co. Inc. pays out 16.7% 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.
Profitability
This table compares Inter & Co. Inc. 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 | |
| Inter & Co. Inc. | 11.23% | 14.94% | 1.57% |
| Industrial & Commercial Bank of China Ltd. | 24.78% | 8.79% | 0.69% |
About Inter & Co. Inc.
Inter & Co., Inc. Is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Banking, Securities, Insurance Brokerage, Marketplace, Asset Management, Service, and Other. The Banking segment offers checking accounts cards, deposits, loans and advances, and other services through mobile application. The Securities segment is involved in the acquisition, sale and custody of securities, the structuring and distribution of securities in the capital market, and the provision of administration services to investment funds. The Insurance Brokerage segment includes insurance products underwritten by insurance companies, such as warranties, life, property and automobile insurance, and pension products, as well as consortium products provided by a third party. The Marketplace segment operates a digital platform, which offers goods and services to its customers. The Asset Management segment is composed of the operations related to the management of fund portfolios and other assets. The Service segment consists of collection and management of personal information, development and licensing of customized computer programs, development and licensing of non-customized computer programs and technical support, maintenance, and other information technology services. The company was founded on January 26, 2021 and is headquartered in Belo Horizonte, Brazil.
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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