PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERY – Get Rating) and Intercorp Financial Services (NYSE:IFS – Get Rating) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, profitability, earnings, valuation, analyst recommendations, risk and institutional ownership.
Profitability
This table compares PT Bank Mandiri (Persero) Tbk and Intercorp Financial Services' net margins, return on equity and return on assets.
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| Net Margins | Return on Equity | Return on Assets |
| PT Bank Mandiri (Persero) Tbk | N/A | N/A | N/A |
| Intercorp Financial Services | 32.00% | 15.36% | 1.63% |
Analyst Ratings
This is a summary of current recommendations and price targets for PT Bank Mandiri (Persero) Tbk and Intercorp Financial Services, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
| PT Bank Mandiri (Persero) Tbk | 0 | 0 | 0 | 0 | N/A |
| Intercorp Financial Services | 0 | 2 | 1 | 0 | 2.33 |
Intercorp Financial Services has a consensus target price of $33.00, suggesting a potential upside of 26.73%. Given Intercorp Financial Services' higher probable upside, analysts clearly believe Intercorp Financial Services is more favorable than PT Bank Mandiri (Persero) Tbk.
Earnings & Valuation
This table compares PT Bank Mandiri (Persero) Tbk and Intercorp Financial Services' revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
| PT Bank Mandiri (Persero) Tbk | $7.87 billion | 3.91 | $1.96 billion | N/A | N/A |
| Intercorp Financial Services | $1.08 billion | 2.78 | $461.14 million | $3.23 | 8.06 |
PT Bank Mandiri (Persero) Tbk has higher revenue and earnings than Intercorp Financial Services.
Volatility & Risk
PT Bank Mandiri (Persero) Tbk has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500. Comparatively, Intercorp Financial Services has a beta of 1.42, suggesting that its stock price is 42% more volatile than the S&P 500.
Insider and Institutional Ownership
0.0% of PT Bank Mandiri (Persero) Tbk shares are held by institutional investors. Comparatively, 7.8% of Intercorp Financial Services shares are held by institutional investors. 0.0% of PT Bank Mandiri (Persero) Tbk shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Dividends
PT Bank Mandiri (Persero) Tbk pays an annual dividend of $0.35 per share and has a dividend yield of 2.7%. Intercorp Financial Services pays an annual dividend of $1.66 per share and has a dividend yield of 6.4%. Intercorp Financial Services pays out 51.4% of its earnings in the form of a dividend. Intercorp Financial Services has increased its dividend for 1 consecutive years. Intercorp Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Summary
Intercorp Financial Services beats PT Bank Mandiri (Persero) Tbk on 9 of the 14 factors compared between the two stocks.
About PT Bank Mandiri (Persero) Tbk
(Get Rating)
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. 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 bond trading; life, health, and general insurance products; credit, debit, and corporate cards; 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. As of 31 December 2021, it operated 2,609 branches, including 137 branch offices, 2,465 sub-branch offices, and 7 overseas branch offices; and 13,087 ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.
About Intercorp Financial Services
(Get Rating)
Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. The company operates through three segments: Banking, Insurance, and Wealth Management. It provides transactional accounts, such as cuenta sueldo and cuenta simple; savings accounts; investment accounts; and time deposits, certificates of deposit, and compensation for service time accounts. The company also offers retail banking products, including credit cards, payroll deduction loans, mortgages, and consumer loans, as well as cash, student, and collateralized cash loans. In addition, the company provides corporate, medium-size business, and small business banking services; and commercial banking products, which include commercial real estate, vehicles, machinery and other goods, cash management, trade finance, and electronic factoring products. Further, it offers treasury and institutional banking, as well as securitization services. Additionally, the company provides annuities and conventional life insurance, and other retail insurance products, as well as financial advisory services for equities, fixed income, structured products, alternative investments, and managed accounts; brokerage, and investment management services. As of December 31, 2021, it operated 189 financial stores and 1,581 ATMs. Intercorp Financial Services Inc. was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.
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この表はPT Bank Mandiri(Persero)TbkとIntercorp Financial Servicesの収入，1株当たり収益と推定値を比較したものである。