UniCredit (OTCMKTS:UNCRY) vs. Intesa Sanpaolo (OTCMKTS:ISNPY) Head to Head Comparison

Intesa Sanpaolo (OTCMKTS:ISNPY) and UniCredit (OTCMKTS:UNCRY) are both large-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, dividends, earnings, risk, valuation, institutional ownership and profitability.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Intesa Sanpaolo and UniCredit, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intesa Sanpaolo	0	3	4	1	2.75
UniCredit	0	2	3	2	3.00

Profitability

This table compares Intesa Sanpaolo and UniCredit’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Intesa Sanpaolo	25.19%	14.10%	1.02%
UniCredit	34.34%	20.22%	1.60%

Dividends

Intesa Sanpaolo pays an annual dividend of $1.91 per share and has a dividend yield of 4.7%. UniCredit pays an annual dividend of $1.35 per share and has a dividend yield of 3.1%. Intesa Sanpaolo pays out 51.3% of its earnings in the form of a dividend.

Institutional & Insider Ownership

1.2% of Intesa Sanpaolo shares are owned by institutional investors. Comparatively, 0.3% of UniCredit shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares Intesa Sanpaolo and UniCredit”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intesa Sanpaolo	$43.96 billion	2.70	$10.54 billion	$3.72	10.96
UniCredit	$41.32 billion	3.19	$15.35 billion	N/A	N/A

UniCredit has lower revenue, but higher earnings than Intesa Sanpaolo.

Volatility and Risk

Intesa Sanpaolo has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500. Comparatively, UniCredit has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500.

Summary

UniCredit beats Intesa Sanpaolo on 9 of the 13 factors compared between the two stocks.

About Intesa Sanpaolo

Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; private and commercial banking, corporate and transaction banking, structured finance, investment banking, public finance, and capital markets; industrial credit, leasing, and factoring; asset management; life and non-life insurance and pension products; asset and wealth management; private investments; and bancassurance products. The company serves individuals, small and medium-sized businesses, non-profit customers, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. was founded in 1998 and is headquartered in Turin, Italy.

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.