Analyzing Raiffeisen Bank International (OTCMKTS:RAIFY) & Carrefour (OTCMKTS:CRRFY)

Raiffeisen Bank International (OTCMKTS:RAIFY) and Carrefour (OTCMKTS:CRRFY) are both mid-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, analyst recommendations, valuation and dividends.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Raiffeisen Bank International and Carrefour, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Raiffeisen Bank International	0	0	0	0	0.00
Carrefour	1	2	0	0	1.67

Risk and Volatility

Raiffeisen Bank International has a beta of 1.52, meaning that its share price is 52% more volatile than the S&P 500. Comparatively, Carrefour has a beta of 0.6, meaning that its share price is 40% less volatile than the S&P 500.

Profitability

This table compares Raiffeisen Bank International and Carrefour’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Raiffeisen Bank International	17.21%	11.16%	1.13%
Carrefour	N/A	N/A	N/A

Insider & Institutional Ownership

0.1% of Carrefour shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Dividends

Raiffeisen Bank International pays an annual dividend of $0.21 per share and has a dividend yield of 4.1%. Carrefour pays an annual dividend of $0.12 per share and has a dividend yield of 4.2%. Raiffeisen Bank International pays out 11.3% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares Raiffeisen Bank International and Carrefour”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Raiffeisen Bank International	$15.88 billion	0.42	$2.58 billion	$1.86	2.74
Carrefour	$91.89 billion	0.10	$1.80 billion	N/A	N/A

Raiffeisen Bank International has higher earnings, but lower revenue than Carrefour.

Summary

Raiffeisen Bank International beats Carrefour on 6 of the 11 factors compared between the two stocks.

About Raiffeisen Bank International

Raiffeisen Bank International AG, together with its subsidiaries, offers banking services to corporate, private customers, and institutional customers. The company offers cash management, cross border accounts, electronic banking, payments solutions, sustainable and subsidized financing, leveraged and acquisition financing, project and structured financing, real estate financing, leasing, factoring, trade and export financing, investment banking, investing, hedging, and investor services to its institutional clients and corporate customers in agri food and beverage, automotive, construction and building materials, food and beverage, healthcare and pharmaceuticals, oil and gas, packaging, real estate, retail, technology, telecom, and utilities industries. It also provides retail and private banking services, including deposits, loans, wealth management, and advisory services to retail customers and small and medium-sized enterprises. In addition, the company offers clearing, reporting, settlement, guarantees, letters of credit, fund administration, acceptances, brokerage, asset management, and custody services; and investment banking services, including asset based finance, fund finance and alternatives investments, loan syndication, mergers and acquisitions advisory, and debt and equity capital markets services. It operates through a network of business outlets in Central, Southeastern, and Eastern Europe, as well as Austria, Czech Republic, Hungary, Poland, and Slovakia. Raiffeisen Bank International AG was founded in 1886 and is based in Vienna, Austria.

About Carrefour

Carrefour SA engages in the operation of stores that offer food and non-food products in various formats and channels in France, Spain, Italy, Belgium, Poland, Romania, Brazil, and Argentina, as well as in the Middle East, Africa, and Asia. The company operates hypermarkets, supermarkets, convenience stores, club stores, and cash and carry stores; e-commerce sites; and service stations. It is also involved in banking, insurance, property development, and franchise activities; the provision of travel agency services; and the rental of shopping malls. The company was founded in 1959 and is based in Massy, France.