Critical Contrast: CaixaBank (OTCMKTS:CAIXY) & ICICI Bank (NYSE:IBN)

ICICI Bank (NYSE:IBN) and CaixaBank (OTCMKTS:CAIXY) are both large-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, analyst recommendations, profitability, valuation, dividends, institutional ownership and earnings.

Institutional and Insider Ownership

18.2% of ICICI Bank shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations for ICICI Bank and CaixaBank, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ICICI Bank	0	1	0	0	2.00
CaixaBank	1	3	1	0	2.00

Volatility & Risk

ICICI Bank has a beta of 0.4, suggesting that its share price is 60% less volatile than the S&P 500. Comparatively, CaixaBank has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500.

Dividends

ICICI Bank pays an annual dividend of $0.21 per share and has a dividend yield of 0.7%. CaixaBank pays an annual dividend of $0.08 per share and has a dividend yield of 1.9%. ICICI Bank pays out 13.3% of its earnings in the form of a dividend.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
ICICI Bank	24.57%	14.17%	1.83%
CaixaBank	N/A	N/A	N/A

Earnings & Valuation

This table compares ICICI Bank and CaixaBank”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ICICI Bank	$22.68 billion	4.88	$6.02 billion	$1.58	19.57
CaixaBank	$29.05 billion	3.13	$6.66 billion	N/A	N/A

CaixaBank has higher revenue and earnings than ICICI Bank.

Summary

ICICI Bank beats CaixaBank on 6 of the 11 factors compared between the two stocks.

About ICICI Bank

ICICI Bank Limited provides various banking products and services in India and internationally. It operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, and Others segments. The company offers savings, salary, pension, current, and other accounts; and time, fixed, recurring, and security deposits services. It also provides home, car, two-wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, including working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and overdraft facilities, as well as loans for new entities and card swipes; and credit, debit, prepaid, travel, forex, and corporate cards. In addition, the company offers pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, initial public offerings, and other online investment services; and agri and rural business, farmer finance, tractor loans, and micro banking services, as well as other services to 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 and investment banking, capital market, custodial, and institutional banking services; health, personal accident, fire, and motor insurance, as well as distributes general and life insurance products; and Internet, mobile, and phone banking services. Additionally, the company offers securities investment, broking, trading, and underwriting services; and merchant banking, trusteeship, housing finance, pension fund management, asset management, investment advisory, points of presence, and private equity/venture capital fund management services. ICICI Bank Limited was founded in 1955 and is headquartered in Mumbai, India.

About CaixaBank

CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It also provides solutions related to security, protection, internationalization, and financing; traditional financial advice, independent advice, and broker services; asset management; liquidity management; capital markets, cash management, project finance, asset finance, and M&A services; and various financial services and solutions to public and private sector institutions, as well as distributes non-life and life risk insurance policies; and private banking services. In addition, the company is involved in the real estate business. It has branches and ATMs in Spain; and branches and ATMs in Portugal. CaixaBank, S.A. was founded in 1904 and is based in Valencia, Spain.