Reviewing Banco Comercial Portugues (OTCMKTS:BPCGY) and Bankinter (OTCMKTS:BKNIY)

Bankinter (OTCMKTS:BKNIY) and Banco Comercial Portugues (OTCMKTS:BPCGY) are both large-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, valuation, institutional ownership, earnings and dividends.

Dividends

Bankinter pays an annual dividend of $0.45 per share and has a dividend yield of 2.6%. Banco Comercial Portugues pays an annual dividend of $0.19 per share and has a dividend yield of 1.4%. Bankinter pays out 30.8% of its earnings in the form of a dividend. Banco Comercial Portugues pays out 20.9% 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.

Analyst Ratings

This is a summary of recent ratings for Bankinter and Banco Comercial Portugues, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bankinter	1	3	2	0	2.17
Banco Comercial Portugues	0	1	0	1	3.00

Profitability

This table compares Bankinter and Banco Comercial Portugues’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bankinter	24.27%	18.20%	0.90%
Banco Comercial Portugues	N/A	N/A	N/A

Valuation & Earnings

This table compares Bankinter and Banco Comercial Portugues”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bankinter	$5.27 billion	2.92	$1.23 billion	$1.46	11.73
Banco Comercial Portugues	$5.82 billion	3.55	$980.79 million	$0.91	15.35

Bankinter has higher earnings, but lower revenue than Banco Comercial Portugues. Bankinter is trading at a lower price-to-earnings ratio than Banco Comercial Portugues, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Bankinter has a beta of -0.16, indicating that its share price is 116% less volatile than the S&P 500. Comparatively, Banco Comercial Portugues has a beta of 0.39, indicating that its share price is 61% less volatile than the S&P 500.

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 Banco Comercial Portugues

Banco Comercial Português, S.A., a private sector bank, engages in the provision of various banking and financial products and services in Portugal and internationally. It operates through Retail Banking; Companies, Corporate & Investment Banking; Private Banking; Foreign Business; and Other segments. It offers a range of financial products and services, including current accounts, payment systems, savings and investment products, private banking, asset management, and investment banking services, such as mortgage loans, personal loans, commercial banking, leasing, factoring and insurance, and others. The company is also involved in the provision of investment fund and real estate management, e-commerce, web portal, real estate investment fund, trade finance, trust, consulting, brokerage, marketing, and real estate services, as well as internet, telephone, and mobile banking services. Banco Comercial Português, S.A. was incorporated in 1985 and is based in Porto, Portugal.