Bankinter (OTCMKTS:BKNIY – Get Free Report) and KBC Group (OTCMKTS:KBCSY – Get Free Report) are both large-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, valuation, analyst recommendations, profitability, institutional ownership and risk.
Volatility & Risk
Bankinter has a beta of -0.17, suggesting that its share price is 117% less volatile than the S&P 500. Comparatively, KBC Group has a beta of 0.59, suggesting that its share price is 41% less volatile than the S&P 500.
Dividends
Bankinter pays an annual dividend of $0.33 per share and has a dividend yield of 2.0%. KBC Group pays an annual dividend of $3.19 per share and has a dividend yield of 4.8%. Bankinter pays out 23.6% of its earnings in the form of a dividend. KBC Group pays out 63.3% 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.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bankinter | $5.27 billion | 2.88 | $1.23 billion | $1.40 | 12.06 |
| KBC Group | $26.56 billion | 2.09 | $4.04 billion | $5.04 | 13.17 |
KBC Group has higher revenue and earnings than Bankinter. Bankinter is trading at a lower price-to-earnings ratio than KBC Group, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of current ratings and price targets for Bankinter and KBC Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bankinter | 1 | 3 | 1 | 0 | 2.00 |
| KBC Group | 1 | 4 | 1 | 0 | 2.00 |
Profitability
This table compares Bankinter and KBC Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bankinter | 23.50% | 17.69% | 0.86% |
| KBC Group | 14.98% | 13.51% | 0.93% |
Summary
KBC Group beats Bankinter on 7 of the 11 factors compared between the two stocks.
About Bankinter
Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, professional, basic, and management accounts; deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.
About KBC Group
KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients. The company offers demand deposits and savings accounts; home and mortgage loans; consumer finance and SME funding services; credit, investment fund and asset management, and life and non-life insurance; and cash management, payments, trade finance, lease, money market, capital market products, and stockbroking services. It also provides digital and mobile banking services. The company was formerly known as KBC Bank and Insurance Holding Company NV and changed its name to KBC Group NV in March 2005. KBC Group NV was incorporated in 1935 and is headquartered in Brussels, Belgium.
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