Grupo Supervielle (NYSE:SUPV) and ICICI Bank (NYSE:IBN) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, earnings, valuation, risk and dividends.

Profitability

This table compares Grupo Supervielle and ICICI Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Grupo Supervielle 9.93% 15.86% 2.37%
ICICI Bank 6.04% 3.93% 0.41%

Institutional and Insider Ownership

27.3% of Grupo Supervielle shares are held by institutional investors. Comparatively, 23.7% of ICICI Bank shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Volatility and Risk

Grupo Supervielle has a beta of -0.43, meaning that its stock price is 143% less volatile than the S&P 500. Comparatively, ICICI Bank has a beta of 1.44, meaning that its stock price is 44% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Grupo Supervielle and ICICI Bank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Grupo Supervielle 2 2 0 0 1.50
ICICI Bank 0 1 3 0 2.75

Grupo Supervielle currently has a consensus target price of $11.80, indicating a potential upside of 30.24%. Given Grupo Supervielle’s higher probable upside, research analysts plainly believe Grupo Supervielle is more favorable than ICICI Bank.

Dividends

Grupo Supervielle pays an annual dividend of $0.11 per share and has a dividend yield of 1.2%. ICICI Bank pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. Grupo Supervielle pays out 5.9% of its earnings in the form of a dividend. ICICI Bank pays out 12.5% 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. ICICI Bank has increased its dividend for 5 consecutive years. Grupo Supervielle is clearly the better dividend stock, given its higher yield and lower payout ratio.

Earnings and Valuation

This table compares Grupo Supervielle and ICICI Bank’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Grupo Supervielle $1.40 billion 0.47 $147.19 million $1.88 4.82
ICICI Bank $11.23 billion 2.84 $1.20 billion $0.32 31.13

ICICI Bank has higher revenue and earnings than Grupo Supervielle. Grupo Supervielle is trading at a lower price-to-earnings ratio than ICICI Bank, indicating that it is currently the more affordable of the two stocks.

About Grupo Supervielle

Grupo Supervielle S.A., a financial services holding company, provides banking products and services in Argentina. The company operates through Retail Banking, Corporate Banking, Treasury, Consumer Finance, Insurance, and Asset Management & Other Services segments. It accepts deposit accounts; and offers personal loans, foreign trade finance, and loans to the middle and lower-middle-income sectors. The company also offers credit cards; insurance and mutual fund products; and factoring, leasing, cash management, asset management, and microcredit financing services. In addition, it distributes treasury products, such as debt securities; and provides non-financial products and service. The company serves individuals, small and medium-sized enterprises, and medium to large-sized companies. It operates 340 access points, including 180 bank branches, 19 banking payment and collection centers, 80 CCF sales points, and 61 consumer financing branches and other sale points, as well as 521 ATMs and 193 self-service terminals. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is headquartered in Buenos Aires, Argentina.

About ICICI Bank

ICICI Bank Limited, together with its subsidiaries, provides banking and financial services in India and internationally. It operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, General Insurance, and Others segments. The company offers savings, salary, pension, current, and other accounts; and fixed, recurring, and security deposits. It also provides home, car, two wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, such as working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and secured loans for credit card swipes, as well as loans for new entities, and schools and colleges; and credit, debit, prepaid, travel, and corporate cards. In addition, the company offers life, health, travel, car, two wheeler, home, and student medical insurance products; pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, and initial public offerings, as well as other online investment services; and farmer finance, tractor loans, and micro banking services, as well as other services to agri traders and processors, and agri corporates. Further, it provides portfolio management, trade, foreign exchange, locker, private and NRI banking, and cash management services; family wealth and demat accounts; commercial banking, investment banking, capital markets and custodial, project and technology finance, and institutional banking services, as well as Internet, mobile, and phone banking services. Additionally, the company offers securities investment, broking, trading, and underwriting services; and merchant banking, private equity/venture capital fund management, trusteeship, and pension fund management services. As of March 31, 2018, it had a network of 4,867 branches and 14,367 ATMs. ICICI Bank Limited was founded in 1955 and is based in Mumbai, India.

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