Inter & Co. Inc. (NASDAQ:INTR – Get Free Report) and KBC Group (OTCMKTS:KBCSY – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, analyst recommendations, institutional ownership, dividends, profitability, valuation and risk.
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, KBC Group has a beta of 0.59, indicating that its stock price is 41% less volatile than the S&P 500.
Insider & Institutional Ownership
22.9% of Inter & Co. Inc. shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Inter & Co. Inc. | 0 | 3 | 3 | 0 | 2.50 |
| KBC Group | 1 | 4 | 1 | 0 | 2.00 |
Inter & Co. Inc. currently has a consensus price target of $9.16, suggesting a potential upside of 60.42%. Given Inter & Co. Inc.’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Inter & Co. Inc. is more favorable than KBC Group.
Profitability
This table compares Inter & Co. Inc. and KBC Group’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% |
| KBC Group | 15.58% | 13.42% | 0.94% |
Valuation and Earnings
This table compares Inter & Co. Inc. and KBC Group”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Inter & Co. Inc. | $9.64 billion | 0.26 | $235.05 million | $0.66 | 8.65 |
| KBC Group | $26.56 billion | 2.41 | $4.04 billion | $5.26 | 14.54 |
KBC Group has higher revenue and earnings than Inter & Co. Inc.. Inter & Co. Inc. is trading at a lower price-to-earnings ratio than KBC Group, indicating that it is currently the more affordable of the two stocks.
Dividends
Inter & Co. Inc. pays an annual dividend of $0.11 per share and has a dividend yield of 1.9%. KBC Group pays an annual dividend of $3.19 per share and has a dividend yield of 4.2%. Inter & Co. Inc. pays out 16.7% of its earnings in the form of a dividend. KBC Group pays out 60.6% 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.
Summary
Inter & Co. Inc. beats KBC Group on 8 of the 15 factors compared between the two stocks.
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 KBC Group
KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients. The company offers demand deposits and savings accounts; home and mortgage loans; consumer finance and SME funding services; credit, investment fund and asset management, and life and non-life insurance; and cash management, payments, trade finance, lease, money market, capital market products, and stockbroking services. It also provides digital and mobile banking services. The company was formerly known as KBC Bank and Insurance Holding Company NV and changed its name to KBC Group NV in March 2005. KBC Group NV was incorporated in 1935 and is headquartered in Brussels, Belgium.
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