Banco Bilbao Viscaya Argentaria (NYSE:BBVA – 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 compare the two companies based on the strength of their risk, valuation, analyst recommendations, dividends, earnings, institutional ownership and profitability.
Dividends
Banco Bilbao Viscaya Argentaria pays an annual dividend of $0.74 per share and has a dividend yield of 4.0%. Industrial & Commercial Bank of China Ltd. pays an annual dividend of $0.71 per share and has a dividend yield of 4.9%. Banco Bilbao Viscaya Argentaria pays out 38.9% of its earnings in the form of a dividend. Industrial & Commercial Bank of China Ltd. pays out 26.4% 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.
Institutional & Insider Ownership
3.0% of Banco Bilbao Viscaya Argentaria shares are held by institutional investors. 0.0% of Banco Bilbao Viscaya Argentaria shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Banco Bilbao Viscaya Argentaria | 0 | 1 | 2 | 1 | 3.00 |
| Industrial & Commercial Bank of China Ltd. | 0 | 0 | 0 | 0 | 0.00 |
Profitability
This table compares Banco Bilbao Viscaya Argentaria 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 | |
| Banco Bilbao Viscaya Argentaria | 29.17% | 17.61% | 1.35% |
| Industrial & Commercial Bank of China Ltd. | 23.66% | 9.11% | 0.73% |
Risk & Volatility
Banco Bilbao Viscaya Argentaria has a beta of 1.19, suggesting that its share price is 19% more volatile than the S&P 500. Comparatively, Industrial & Commercial Bank of China Ltd. has a beta of 0.18, suggesting that its share price is 82% less volatile than the S&P 500.
Earnings & Valuation
This table compares Banco Bilbao Viscaya Argentaria and Industrial & Commercial Bank of China Ltd.”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Banco Bilbao Viscaya Argentaria | $38.40 billion | 2.79 | $10.88 billion | $1.90 | 9.66 |
| Industrial & Commercial Bank of China Ltd. | $219.33 billion | 1.17 | $50.89 billion | $2.69 | 5.37 |
Industrial & Commercial Bank of China Ltd. has higher revenue and earnings than Banco Bilbao Viscaya Argentaria. Industrial & Commercial Bank of China Ltd. is trading at a lower price-to-earnings ratio than Banco Bilbao Viscaya Argentaria, indicating that it is currently the more affordable of the two stocks.
Summary
Banco Bilbao Viscaya Argentaria beats Industrial & Commercial Bank of China Ltd. on 11 of the 16 factors compared between the two stocks.
About Banco Bilbao Viscaya Argentaria
Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services in the United States, Spain, Mexico, Turkey, South America, and internationally. The company offers savings account, demand deposits, and time deposits; and loan products, such as residential mortgages, other households, credit card loans, loans to enterprises and public sector, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
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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