Intesa Sanpaolo (OTCMKTS:ISNPY) vs. UniCredit (OTCMKTS:UNCRY) Head-To-Head Analysis

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

Insider & Institutional Ownership

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

Dividends

UniCredit pays an annual dividend of $1.35 per share and has a dividend yield of 3.0%. Intesa Sanpaolo pays an annual dividend of $1.91 per share and has a dividend yield of 4.6%. Intesa Sanpaolo pays out 51.3% of its earnings in the form of a dividend.

Profitability

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

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UniCredit	$41.32 billion	3.26	$15.35 billion	N/A	N/A
Intesa Sanpaolo	$43.96 billion	2.73	$10.54 billion	$3.72	11.06

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

Analyst Recommendations

This is a summary of recent recommendations for UniCredit and Intesa Sanpaolo, as reported by MarketBeat.com.

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

Volatility & Risk

UniCredit has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, Intesa Sanpaolo has a beta of 0.79, suggesting that its stock price is 21% less volatile than the S&P 500.

Summary

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

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.

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.