Financial Analysis: PT Bank Mandiri Persero TBK (OTCMKTS:PPERY) and Hang Seng Bank (OTCMKTS:HSNGY)

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

Analyst Ratings

This is a summary of current ratings and price targets for PT Bank Mandiri Persero TBK and Hang Seng Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PT Bank Mandiri Persero TBK	0	0	0	0	0.00
Hang Seng Bank	1	2	0	0	1.67

Valuation and Earnings

This table compares PT Bank Mandiri Persero TBK and Hang Seng Bank”s gross 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	$8.58 billion	2.96	$2.79 billion	N/A	N/A
Hang Seng Bank	$8.63 billion	4.25	$2.36 billion	N/A	N/A

PT Bank Mandiri Persero TBK has higher earnings, but lower revenue than Hang Seng Bank.

Profitability

This table compares PT Bank Mandiri Persero TBK and Hang Seng Bank’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
Hang Seng Bank	N/A	N/A	N/A

Insider and Institutional Ownership

0.0% of PT Bank Mandiri Persero TBK shares are owned by institutional investors. 0.0% of PT Bank Mandiri Persero TBK shares are owned by company insiders. Comparatively, 0.2% of Hang Seng Bank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Dividends

PT Bank Mandiri Persero TBK pays an annual dividend of $0.81 per share and has a dividend yield of 7.4%. Hang Seng Bank pays an annual dividend of $0.58 per share and has a dividend yield of 3.0%.

Volatility & Risk

PT Bank Mandiri Persero TBK has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500. Comparatively, Hang Seng Bank has a beta of 0.19, meaning that its stock price is 81% less volatile than the S&P 500.

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 Hang Seng Bank

Hang Seng Bank Limited, together with its subsidiaries, provides various banking and related financial services to individual, corporate, commercial, small and medium-sized enterprises, and institutional customers in Hong Kong, the Mainland of China, and internationally. It operates through five segments: Wealth and Personal Banking, Commercial Banking, Global Banking, Global Markets, and Other. The company offers personal banking services, including current and savings accounts, time deposits, mortgages and personal loans, credit cards, and insurance, investment, and other wealth management services, as well as consumer lending and wealth management services. It also provides corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, general insurance, key-person insurance, investment services, and corporate wealth management services; general banking and transaction banking, corporate lending, deposits, and cash management services; and tailored solutions and services in foreign exchange, bullion, equities, fixed income, and securities financing, as well as manages the funding and liquidity position activities. In addition, the company offers retirement benefits, life assurance, fund management, and stock broking services, as well as index compilation and licensing; fund raising and sales; and asset management services. It operates service outlets in Hong Kong; branches in Macau and Singapore; and representative office in Taipei, as well as a network of outlets in the Mainland of China. The company was founded in 1933 and is headquartered in Central, Hong Kong. Hang Seng Bank Limited operates as a subsidiary of The Hongkong and Shanghai Banking Corporation Limited.