Lloyds Banking Group (NYSE:LYG) versus PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERY) Financial Survey

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

Dividends

Lloyds Banking Group pays an annual dividend of $0.10 per share and has a dividend yield of 3.7%. PT Bank Mandiri (Persero) Tbk pays an annual dividend of $0.66 per share and has a dividend yield of 4.7%. Lloyds Banking Group pays out 25.6% of its earnings in the form of a dividend.

Institutional & Insider Ownership

2.2% of Lloyds Banking Group shares are owned by institutional investors. Comparatively, 0.0% of PT Bank Mandiri (Persero) Tbk shares are owned by institutional investors. 0.0% of Lloyds Banking Group shares are owned by insiders. Comparatively, 0.0% of PT Bank Mandiri (Persero) Tbk shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Lloyds Banking Group	10.89%	9.81%	0.51%
PT Bank Mandiri (Persero) Tbk	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of recent recommendations for Lloyds Banking Group and PT Bank Mandiri (Persero) Tbk, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lloyds Banking Group	0	7	3	0	2.30
PT Bank Mandiri (Persero) Tbk	0	0	0	0	0.00

Lloyds Banking Group currently has a consensus price target of $2.75, suggesting a potential upside of 1.85%. Given Lloyds Banking Group’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Lloyds Banking Group is more favorable than PT Bank Mandiri (Persero) Tbk.

Volatility and Risk

Lloyds Banking Group has a beta of 1.32, meaning that its stock price is 32% more volatile than the S&P 500. Comparatively, PT Bank Mandiri (Persero) Tbk has a beta of 0.81, meaning that its stock price is 19% less volatile than the S&P 500.

Valuation & Earnings

This table compares Lloyds Banking Group and PT Bank Mandiri (Persero) Tbk”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Lloyds Banking Group	$18.79 billion	2.18	$6.79 billion	$0.39	6.92
PT Bank Mandiri (Persero) Tbk	$8.58 billion	3.80	$2.79 billion	N/A	N/A

Lloyds Banking Group has higher revenue and earnings than PT Bank Mandiri (Persero) Tbk.

Summary

Lloyds Banking Group beats PT Bank Mandiri (Persero) Tbk on 10 of the 14 factors compared between the two stocks.

About Lloyds Banking Group

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium-sized entities, corporates, and institutions. The Insurance, Pensions, and Investments segment offers insurance, investment, and pension management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Citra, IWeb, Cavendish Online, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

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 the Cayman Islands. The company operates through Wholesale and Retail segments. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings and current accounts; motorcycle loans, mortgage loan, 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, stocks, and bonds; life, health, and accident insurance products; credit, debit, and corporate cards; digital banking; e-banking services; digital lending; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, standby letter of credit, and bank guarantee, as well as spot and forex services; custodial services; treasury services, including cash transaction/liquidity, hedging, and investment products; trust services comprising trustee, paying agent, security agent, escrow agent, monitoring agent, and receiving bank services; and money transfer, remittance services, and venture capital financing. It operates branch offices, sub-branch offices, and overseas branch offices; and ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.