Contrasting DBS Group (OTCMKTS:DBSDY) & Credit Agricole (OTCMKTS:CRARY)

DBS Group (OTCMKTS:DBSDY) and Credit Agricole (OTCMKTS:CRARY) are both large-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, analyst recommendations, risk, dividends and valuation.

Dividends

DBS Group pays an annual dividend of $7.14 per share and has a dividend yield of 4.0%. Credit Agricole pays an annual dividend of $0.40 per share and has a dividend yield of 3.6%. Credit Agricole pays out 33.6% of its earnings in the form of a dividend.

Institutional & Insider Ownership

0.2% of DBS Group shares are owned by institutional investors. Comparatively, 0.6% of Credit Agricole shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk & Volatility

DBS Group has a beta of 0.54, meaning that its stock price is 46% less volatile than the S&P 500. Comparatively, Credit Agricole has a beta of 0.65, meaning that its stock price is 35% less volatile than the S&P 500.

Profitability

This table compares DBS Group and Credit Agricole’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
DBS Group	N/A	N/A	N/A
Credit Agricole	24.65%	37.56%	1.35%

Earnings and Valuation

This table compares DBS Group and Credit Agricole”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
DBS Group	$28.07 billion	4.54	$8.37 billion	N/A	N/A
Credit Agricole	$31.76 billion	2.10	$8.00 billion	$1.19	9.28

DBS Group has higher earnings, but lower revenue than Credit Agricole.

Analyst Ratings

This is a summary of current ratings and target prices for DBS Group and Credit Agricole, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
DBS Group	0	0	0	1	4.00
Credit Agricole	0	3	1	0	2.25

Summary

Credit Agricole beats DBS Group on 7 of the 13 factors compared between the two stocks.

About DBS Group

DBS Group Holdings Ltd provides commercial banking and financial services in Singapore, Hong Kong, rest of Greater China, South and Southeast Asia, and internationally. The company’s Consumer Banking/Wealth Management segment offers banking and related financial services, including current and savings accounts, fixed deposits, loans and home finance, cards, payments, investment, and insurance products for individual customers. Its Institutional Banking segment provides financial services and products for bank and non-bank financial institutions, government-linked companies, large corporates, and small and medium sized businesses. Its products and services comprise short-term working capital financing and specialized lending; cash management, trade finance, and securities and fiduciary services; treasury and markets products; and corporate finance and advisory banking, as well as capital markets solutions. The company’s Treasury Markets segment is involved in the structuring, market-making, and trading in a range of treasury products. DBS Group Holdings Ltd was founded in 1968 and is headquartered in Singapore.

About Credit Agricole

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France and internationally. It operates through French Retail Banking Regional Banks; French Retail Banking – LCL; International Retail Banking; Asset Gathering; Large Customers; and Specialised Financial Services segments. The company offers banking products and services, finance, savings, wealth management, payment, and cash flow management services; consumer finance products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; investment solutions; and banking and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services; and online banking services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.