Critical Survey: Intercorp Financial (NYSE:IFS) and Banco Santander Brasil (NYSE:BSBR)

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Intercorp Financial (NYSE:IFS) and Banco Santander Brasil (NYSE:BSBR) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, analyst recommendations, profitability, institutional ownership, dividends and earnings.

Analyst Recommendations

This is a summary of current ratings for Intercorp Financial and Banco Santander Brasil, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Intercorp Financial 0 0 2 0 3.00
Banco Santander Brasil 0 2 1 0 2.33

Intercorp Financial presently has a consensus target price of $56.50, suggesting a potential upside of 43.29%. Banco Santander Brasil has a consensus target price of $12.00, suggesting a potential upside of 7.14%. Given Intercorp Financial’s stronger consensus rating and higher possible upside, analysts clearly believe Intercorp Financial is more favorable than Banco Santander Brasil.

Profitability

This table compares Intercorp Financial and Banco Santander Brasil’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Intercorp Financial N/A N/A N/A
Banco Santander Brasil 15.45% 14.88% 1.94%

Dividends

Banco Santander Brasil pays an annual dividend of $0.22 per share and has a dividend yield of 2.0%. Intercorp Financial does not pay a dividend. Banco Santander Brasil pays out 24.4% of its earnings in the form of a dividend.

Valuation and Earnings

This table compares Intercorp Financial and Banco Santander Brasil’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Intercorp Financial N/A N/A N/A N/A N/A
Banco Santander Brasil $24.16 billion 1.73 $3.44 billion $0.90 12.44

Banco Santander Brasil has higher revenue and earnings than Intercorp Financial.

Institutional & Insider Ownership

1.1% of Banco Santander Brasil shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Banco Santander Brasil beats Intercorp Financial on 6 of the 10 factors compared between the two stocks.

Intercorp Financial Company Profile

Intercorp Financial Services, Inc. is a holding company, which engages in the provision of financial services. Through its subsidiaries, it operates through the following business segments: Banking, Insurance, and Wealth Management. The Banking segment provides a range of retail banking and commercial banking products, and services to individuals, large companies, and small and medium enterprises. The Insurance segment offers retirement, savings, life, unemployment, and other insurance products mainly to retail customers. The Wealth Management segment comprises wealth management, private banking, financing, brokerage, advisory, and other investment services mainly to high net worth individuals. The company was founded on September 19, 2006 and is headquartered in Lima, Peru.

Banco Santander Brasil Company Profile

Banco Santander (Brasil) S.A. provides commercial banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. It operates through two segments, Commercial Banking and Global Wholesale Banking. The company offers checking and savings accounts; priority services, such as withdrawals, debit cards, deposits, and transfers; onshore and offshore financial products and services, investment advice, and asset management services; consumer credit for purchasing motor vehicles, and other goods and services; local loans, commercial finance, trade finance, guarantees, structured loans, and cash management and funding solutions, as well as Banco Nacional de Desenvolvimento Econômico e Social on-lending transfer services; payroll, mortgage, and agribusiness loans, as well as microcredit; investment products; and credit cards and foreign exchange services. It also provides funding and financial advisory services related to projects, and origination and distribution of fixed-income securities in the debt capital markets, as well as financing for acquisitions and syndicated loans, other structured financing arrangements, and subordinated debt and energy efficiency transactions. In addition, the company offers advisory services in mergers and acquisitions, and equity capital markets transactions; stock brokerage and advisory, equity, and equity research services; derivative and investment products; and digital payment solutions. Further, it operates Webmotors, an online automotive classified. The company provides its products and services through branches, mini-branches, and ATMs; call centers; and digital channels, such as Internet banking and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil.

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