Contrasting Banco Santander Chile (NYSE:BSAC) and PT Bank Mandiri Persero TBK (OTCMKTS:PPERY)

PT Bank Mandiri Persero TBK (OTCMKTS:PPERY) and Banco Santander Chile (NYSE:BSAC) are both large-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, risk, earnings, institutional ownership, valuation, dividends and profitability.

Analyst Ratings

This is a summary of current ratings for PT Bank Mandiri Persero TBK and Banco Santander Chile, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PT Bank Mandiri Persero TBK	0	0	0	0	0.00
Banco Santander Chile	1	3	3	1	2.50

Banco Santander Chile has a consensus price target of $35.40, indicating a potential upside of 2.58%. Given Banco Santander Chile’s stronger consensus rating and higher probable upside, analysts clearly believe Banco Santander Chile is more favorable than PT Bank Mandiri Persero TBK.

Profitability

This table compares PT Bank Mandiri Persero TBK and Banco Santander Chile’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
PT Bank Mandiri Persero TBK	N/A	N/A	N/A
Banco Santander Chile	24.95%	21.00%	1.54%

Institutional and Insider Ownership

0.0% of PT Bank Mandiri Persero TBK shares are held by institutional investors. Comparatively, 6.4% of Banco Santander Chile shares are held by institutional investors. 0.0% of PT Bank Mandiri Persero TBK shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Earnings and Valuation

This table compares PT Bank Mandiri Persero TBK and Banco Santander Chile”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PT Bank Mandiri Persero TBK	$10.03 billion	2.15	$3.43 billion	N/A	N/A
Banco Santander Chile	$2,855.28 billion	0.01	$1.12 billion	$2.32	14.87

PT Bank Mandiri Persero TBK has higher earnings, but lower revenue than Banco Santander Chile.

Volatility and Risk

PT Bank Mandiri Persero TBK has a beta of 0.23, meaning that its share price is 77% less volatile than the S&P 500. Comparatively, Banco Santander Chile has a beta of 0.52, meaning that its share price is 48% less volatile than the S&P 500.

Dividends

PT Bank Mandiri Persero TBK pays an annual dividend of $0.75 per share and has a dividend yield of 8.1%. Banco Santander Chile pays an annual dividend of $1.09 per share and has a dividend yield of 3.2%. Banco Santander Chile pays out 47.0% of its earnings in the form of a dividend.

Summary

Banco Santander Chile beats PT Bank Mandiri Persero TBK on 10 of the 15 factors compared between the two stocks.

About PT Bank Mandiri Persero TBK

PT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, the United Kingdom, and the Cayman Islands. The company operates through Wholesale and Retail segments. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings and current accounts; motorcycle loans, mortgage loan, and housing loans, as well as loans for various purposes, such as education, home renovation, marriage, health, and other needs for individuals; and working capital loans, investment loans, people's business loans, syndicated loans, and micro business loans for businesses. The company also provides investment products comprising mutual funds, stocks, and bonds; life, health, and accident insurance products; credit, debit, and corporate cards; digital banking; e-banking services; digital lending; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, standby letter of credit, and bank guarantee, as well as spot and forex services; custodial services; treasury services, including cash transaction/liquidity, hedging, and investment products; trust services comprising trustee, paying agent, security agent, escrow agent, monitoring agent, and receiving bank services; and money transfer, remittance services, and venture capital financing. It operates branch offices, sub-branch offices, and overseas branch offices; and ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.

About Banco Santander Chile

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency-denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and fundraising, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile operates as a subsidiary of Banco Santander, S.A.