CR AGRICOLE S A/ADR (OTCMKTS:CRARY) and Banco Macro (NYSE:BMA) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, risk, profitability, earnings, institutional ownership and dividends.
Volatility and Risk
CR AGRICOLE S A/ADR has a beta of 1.44, indicating that its stock price is 44% more volatile than the S&P 500. Comparatively, Banco Macro has a beta of 0.95, indicating that its stock price is 5% less volatile than the S&P 500.
0.3% of CR AGRICOLE S A/ADR shares are owned by institutional investors. Comparatively, 24.6% of Banco Macro shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
This is a summary of current ratings and price targets for CR AGRICOLE S A/ADR and Banco Macro, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|CR AGRICOLE S A/ADR||0||0||1||0||3.00|
Banco Macro has a consensus price target of $50.00, indicating a potential downside of 12.00%. Given Banco Macro’s higher probable upside, analysts clearly believe Banco Macro is more favorable than CR AGRICOLE S A/ADR.
This table compares CR AGRICOLE S A/ADR and Banco Macro’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|CR AGRICOLE S A/ADR||18.72%||6.42%||0.26%|
CR AGRICOLE S A/ADR pays an annual dividend of $0.26 per share and has a dividend yield of 4.7%. Banco Macro pays an annual dividend of $2.23 per share and has a dividend yield of 3.9%. CR AGRICOLE S A/ADR pays out 37.7% of its earnings in the form of a dividend. Banco Macro pays out 25.8% 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. Banco Macro has raised its dividend for 2 consecutive years.
Valuation & Earnings
This table compares CR AGRICOLE S A/ADR and Banco Macro’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|CR AGRICOLE S A/ADR||$21.05 billion||1.49||$4.12 billion||$0.69||7.97|
|Banco Macro||$2.21 billion||1.69||$567.08 million||$8.65||6.57|
CR AGRICOLE S A/ADR has higher revenue and earnings than Banco Macro. Banco Macro is trading at a lower price-to-earnings ratio than CR AGRICOLE S A/ADR, indicating that it is currently the more affordable of the two stocks.
Banco Macro beats CR AGRICOLE S A/ADR on 10 of the 16 factors compared between the two stocks.
CR AGRICOLE S A/ADR Company Profile
Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through five segments: Asset Gathering; French Retail Banking – LCL; International Retail Banking; Specialised Financial Services; and Large Customers. The company offers payment instruments, loans, and saving products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; and expertise and investment solutions for active, passive, real estate, and alternative asset management. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance and flow management services. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, custody, fund administration, middle-office, forex, security lending and borrowing, and fund distribution support and services to issuers. Crédit Agricole S.A. serves retail customers, corporate customers, banks and financial institutions, government agencies, and local authorities. The company is headquartered in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boétie.
Banco Macro Company Profile
Banco Macro S.A. provides various banking products and services to individuals and corporate customers in Argentina. It offers various retail products and services, such as savings and checking accounts, time deposits, credit and debit cards, consumer finance loans, mortgage loans, automobile loans, overdrafts, credit-related services, home and car insurance coverage, tax collection, utility payments, automated teller machines (ATMs), and money transfers. The company also provides personal loans, document discounts, mortgages, overdrafts, pledged loans, and credit card loans to retail customers. In addition, it offers corporate banking products and services that include deposits, lending, check cashing advances and factoring, guaranteed loans, credit lines for financing foreign trade, and cash management services. Further, the company provides trust, payroll, and financial agency services, as well as corporate credit cards and other specialty products; transaction services, such as collection services, payments to suppliers, payroll services, foreign exchange transactions, and foreign trade services; and information services, such as Datanet and Interpymes services to corporate customers. As of December 31, 2017, it operated through a network of 445 branches, 1,443 ATMs, 912 self-service terminals, and service points. Banco Macro S.A. also offers Internet banking services. The company was incorporated in 1988 and is headquartered in Buenos Aires, Argentina.
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