Cr AGRICOLE S A/ADR (OTCMKTS: CRARY) and HDFC Bank (NYSE:HDB) are both large-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, earnings, dividends, risk, analyst recommendations, valuation and institutional ownership.
This table compares Cr AGRICOLE S A/ADR and HDFC Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Cr AGRICOLE S A/ADR||18.76%||6.40%||0.27%|
This is a breakdown of current ratings and price targets for Cr AGRICOLE S A/ADR and HDFC Bank, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Cr AGRICOLE S A/ADR||0||0||0||0||N/A|
Earnings & Valuation
This table compares Cr AGRICOLE S A/ADR and HDFC Bank’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Cr AGRICOLE S A/ADR||$21.05 billion||1.87||$4.12 billion||$0.69||10.01|
|HDFC Bank||$14.81 billion||5.93||$2.74 billion||$3.11||32.78|
Cr AGRICOLE S A/ADR has higher revenue and earnings than HDFC Bank. Cr AGRICOLE S A/ADR is trading at a lower price-to-earnings ratio than HDFC Bank, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
Cr AGRICOLE S A/ADR has a beta of 1.45, indicating that its share price is 45% more volatile than the S&P 500. Comparatively, HDFC Bank has a beta of 1.09, indicating that its share price is 9% more volatile than the S&P 500.
Insider & Institutional Ownership
0.4% of Cr AGRICOLE S A/ADR shares are owned by institutional investors. Comparatively, 17.0% of HDFC Bank shares are owned by institutional investors. 1.0% of HDFC Bank shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Cr AGRICOLE S A/ADR pays an annual dividend of $0.26 per share and has a dividend yield of 3.8%. HDFC Bank pays an annual dividend of $0.55 per share and has a dividend yield of 0.5%. Cr AGRICOLE S A/ADR pays out 37.7% of its earnings in the form of a dividend. HDFC Bank pays out 17.7% 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. HDFC Bank has increased its dividend for 5 consecutive years.
HDFC Bank beats Cr AGRICOLE S A/ADR on 9 of the 14 factors compared between the two stocks.
About Cr AGRICOLE S A/ADR
Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through five segments: Asset Gathering; French Retail Banking – LCL; International Retail Banking; Specialised Financial Services; and Large Customers. The company offers payment instruments, loans, and saving products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; and expertise and investment solutions for active, passive, real estate, and alternative asset management. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance and flow management services. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, custody, fund administration, middle-office, forex, security lending and borrowing, and fund distribution support and services to issuers. Crédit Agricole S.A. serves retail customers, corporate customers, banks and financial institutions, government agencies, and local authorities. The company is headquartered in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boétie.
About HDFC Bank
HDFC Bank Limited provides a range of banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. The company operates in Treasury, Retail Banking, Wholesale Banking, and Other Banking Business segments. It accepts savings accounts, salary accounts, current accounts, fixed and recurring deposits, demat accounts, safe deposit lockers, and rural accounts, as well as offshore accounts and deposits. The company also offers personal, business, home, consumer durable, car, two wheeler, gold, educational, rural, and term loans; loans for professionals; loans against property, securities, and assets; overdrafts; government sponsored programs; and working capital, healthcare, channel, short term, structured, dealer, and vendor finance, as well as agricultural lending. In addition, it provides credit, debit, and prepaid cards; private banking services; export, import, remittance, bank guarantees, and letter of credit services, as well as merchant and cash management services; life, health, motor, travel, and home insurance products; and investment products, such as mutual funds, equities and derivatives, IPOs, and bonds. Further, the company offers bill discounting, real time gross settlement, bankers to right/public issue, forex, money market, employees trusts, and tax collection services; and investment banking services in the areas of project appraisal, structured finance, loan syndication, debt capital markets, equity placement, mergers and acquisitions, corporate advisory, and capital market advisory services. Additionally, it provides correspondent banking, settlement, custodial, disbursement, clearing, and administrative and fiduciary support services, as well as online and mobile banking services. As of March 31, 2018, the company operated a network of 4,787 branches and 12,635 ATMs in 2,691 cities/towns. HDFC Bank Limited was founded in 1994 and is based in Mumbai, India.
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