Contrasting PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERY) and Banco Santander (NYSE:SAN)

PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERY) and Banco Santander (NYSE:SAN) are both large-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, earnings, analyst recommendations, institutional ownership, valuation, dividends and profitability.

Analyst Ratings

This is a summary of current ratings and price targets for PT Bank Mandiri (Persero) Tbk and Banco Santander, 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
Banco Santander 1 3 4 0 2.38

Profitability

This table compares PT Bank Mandiri (Persero) Tbk and Banco Santander’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PT Bank Mandiri (Persero) Tbk N/A N/A N/A
Banco Santander -15.84% 7.31% 0.50%

Volatility & Risk

PT Bank Mandiri (Persero) Tbk has a beta of 1.09, meaning that its stock price is 9% more volatile than the S&P 500. Comparatively, Banco Santander has a beta of 1.07, meaning that its stock price is 7% more volatile than the S&P 500.

Insider and Institutional Ownership

0.1% of PT Bank Mandiri (Persero) Tbk shares are owned by institutional investors. Comparatively, 1.6% of Banco Santander shares are owned by institutional investors. 9.5% of Banco Santander shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares PT Bank Mandiri (Persero) Tbk and Banco Santander’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PT Bank Mandiri (Persero) Tbk $6.63 billion 3.11 $1.95 billion N/A N/A
Banco Santander $55.14 billion 0.87 $7.30 billion $0.52 5.27

Banco Santander has higher revenue and earnings than PT Bank Mandiri (Persero) Tbk.

Summary

Banco Santander beats PT Bank Mandiri (Persero) Tbk on 7 of the 10 factors compared between the two stocks.

About PT Bank Mandiri (Persero) Tbk

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 Cayman Islands. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings; motorcycle loans 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 and retail state bonds; fire, health, and life insurance products; credit and corporate cards; e-banking services; cash management services; trade finance services, such as financial supply chain management, value chain, and bank guarantee and standby letters of credit services; custodial services; treasury services, including cash transaction and hedging products; trust services comprising trustee, paying agent, security agent, escrow agent, and receiving bank services; and bankassurance, money transfer, and remittance services. As of 31 December 2019, it operated 2,817 branches, including 139 branch offices, 2,304 sub-branch offices, 140 cash offices, and 7 overseas branch offices; and 18,291 ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.

About Banco Santander

Banco Santander, S.A., together with its subsidiaries, provides various retail and commercial banking products and services to individuals, small and medium-sized enterprises, and large companies worldwide. It offers demand and time deposits, and current and savings accounts; mortgages, consumer finance, auto finance, and personal loans; export and agency finance, trade and working capital solutions, syndicated corporate loans, and structured financing; debt capital markets and global markets services; insurance products; and debit and credit cards. The company also provides cash management, transactional, payrolls, and wealth management services. In addition, it is involved in the corporate banking, treasury, and investment banking activities; leasing, securitization, management of funds and portfolios, e-commerce, technology services, air transport, renting, insurance brokerage, aircraft rental, payments and collection, reinsurance, securities investment, sports, electricity production, IT, Internet, and financial advisory and other activities; and purchase and sale of vehicles. Further, the company offers asset management, private, mobile, and online banking services, as well as develops, invests in, manages, and rents real estate properties. It operates through a network of 11,952 branches. The company was formerly known as Banco Santander Central Hispano S.A. and changed its name to Banco Santander, S.A. in June 2007. Banco Santander, S.A. was founded in 1856 and is headquartered in Madrid, Spain.

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