Comparing UniCredit (OTCMKTS:UNCRY) & Hang Seng Bank (OTCMKTS:HSNGY)

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

Risk & Volatility

UniCredit has a beta of 0.98, meaning that its share price is 2% less volatile than the S&P 500. Comparatively, Hang Seng Bank has a beta of 0.17, meaning that its share price is 83% less volatile than the S&P 500.

Profitability

This table compares UniCredit and Hang Seng Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
UniCredit	34.34%	20.22%	1.60%
Hang Seng Bank	N/A	N/A	N/A

Institutional and Insider Ownership

0.3% of UniCredit shares are held by institutional investors. 0.2% of Hang Seng Bank shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings and recommmendations for UniCredit and Hang Seng Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UniCredit	0	2	3	2	3.00
Hang Seng Bank	1	1	0	0	1.50

Dividends

UniCredit pays an annual dividend of $1.35 per share and has a dividend yield of 2.9%. Hang Seng Bank pays an annual dividend of $0.58 per share and has a dividend yield of 2.9%.

Valuation and Earnings

This table compares UniCredit 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
UniCredit	$41.32 billion	3.35	$15.35 billion	N/A	N/A
Hang Seng Bank	$8.63 billion	4.27	$2.36 billion	N/A	N/A

UniCredit has higher revenue and earnings than Hang Seng Bank.

Summary

UniCredit beats Hang Seng Bank on 10 of the 13 factors compared between the two stocks.

About UniCredit

UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and finance solutions, as well as securities services. In addition, it offers transactional and risk management, and strategic advisory and funding services; group trade and correspondent banking services; and payments and cash management solutions. The company serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. The company was founded in 1870 and is headquartered in Milan, Italy.

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.