Raiffeisen Bank International (OTCMKTS:RAIFY – Get Free Report) and Industrial & Commercial Bank of China Ltd. (OTCMKTS:IDCBY – Get Free Report) are both large-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, analyst recommendations, dividends, risk, institutional ownership, profitability and valuation.
Earnings and Valuation
This table compares Raiffeisen Bank International and Industrial & Commercial Bank of China Ltd.”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Raiffeisen Bank International | $15.33 billion | 1.10 | $1.25 billion | $0.71 | 17.98 |
| Industrial & Commercial Bank of China Ltd. | $219.33 billion | 1.34 | $50.89 billion | $2.74 | 6.03 |
Profitability
This table compares Raiffeisen Bank International and Industrial & Commercial Bank of China Ltd.’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Raiffeisen Bank International | -0.14% | 3.09% | 0.32% |
| Industrial & Commercial Bank of China Ltd. | 24.10% | 8.96% | 0.71% |
Dividends
Raiffeisen Bank International pays an annual dividend of $0.18 per share and has a dividend yield of 1.4%. Industrial & Commercial Bank of China Ltd. pays an annual dividend of $0.61 per share and has a dividend yield of 3.7%. Raiffeisen Bank International pays out 25.4% of its earnings in the form of a dividend. Industrial & Commercial Bank of China Ltd. pays out 22.3% 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. Industrial & Commercial Bank of China Ltd. is clearly the better dividend stock, given its higher yield and lower payout ratio.
Volatility & Risk
Raiffeisen Bank International has a beta of 1.11, indicating that its stock price is 11% more volatile than the S&P 500. Comparatively, Industrial & Commercial Bank of China Ltd. has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500.
Analyst Ratings
This is a summary of current recommendations for Raiffeisen Bank International and Industrial & Commercial Bank of China Ltd., as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Raiffeisen Bank International | 0 | 1 | 0 | 0 | 2.00 |
| Industrial & Commercial Bank of China Ltd. | 0 | 0 | 0 | 0 | 0.00 |
Summary
Industrial & Commercial Bank of China Ltd. beats Raiffeisen Bank International on 9 of the 12 factors compared between the two stocks.
About Raiffeisen Bank International
Raiffeisen Bank International AG, together with its subsidiaries, offers banking services to corporate, private customers, and institutional customers. The company offers cash management, cross border accounts, electronic banking, payments solutions, sustainable and subsidized financing, leveraged and acquisition financing, project and structured financing, real estate financing, leasing, factoring, trade and export financing, investment banking, investing, hedging, and investor services to its institutional clients and corporate customers in agri food and beverage, automotive, construction and building materials, food and beverage, healthcare and pharmaceuticals, oil and gas, packaging, real estate, retail, technology, telecom, and utilities industries. It also provides retail and private banking services, including deposits, loans, wealth management, and advisory services to retail customers and small and medium-sized enterprises. In addition, the company offers clearing, reporting, settlement, guarantees, letters of credit, fund administration, acceptances, brokerage, asset management, and custody services; and investment banking services, including asset based finance, fund finance and alternatives investments, loan syndication, mergers and acquisitions advisory, and debt and equity capital markets services. It operates through a network of business outlets in Central, Southeastern, and Eastern Europe, as well as Austria, Czech Republic, Hungary, Poland, and Slovakia. Raiffeisen Bank International AG was founded in 1886 and is based in Vienna, Austria.
About Industrial & Commercial Bank of China Ltd.
Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. The company operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include trade financing, deposit, corporate wealth management, custody, and various corporate intermediary services, as well as corporate loans. Its Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Business segment is involved in the money market transactions, investment securities, and proprietary and foreign exchange transactions businesses. It also offers e-banking services, investment banking, financial leasing, and insurance services. Industrial and Commercial Bank of China Limited was incorporated in 1984 and is based in Beijing, the People's Republic of China.
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