Banco Bilbao Viscaya Argentaria S.A. (BBVA) vs Citigroup Inc. (C)

Banco Bilbao Viscaya Argentaria S.A. and Citigroup Inc. are both Banks Diversified companies. Citigroup Inc. is the larger, with a market value of $222.2B against $157.5B — 1.4× the size. Banco Bilbao Viscaya Argentaria S.A. trades at the lower P/E: 13.1× against 14.4×. Banco Bilbao Viscaya Argentaria S.A. grew revenue faster over the last twelve months: 19.1% against 4.01%. Banco Bilbao Viscaya Argentaria S.A. has the higher net margin (26.8% vs 9.44%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Banco Bilbao Viscaya Argentaria S.A. yields more (7.09% vs 3.96%). Across the 18 metrics below, Banco Bilbao Viscaya Argentaria S.A. leads on 12 and Citigroup Inc. on 6.

Valuation

Metric BBVA C Banks Diversified median
P/E 13.12 14.42 13.67
P/S 3.57 1.31 2.72
P/B 2.25 1.17 1.69
Price to free cash flow 4.53 n/m 4.53
EV/EBITDA n/m n/m —
EV/Sales 0.94 (4.84) —
Earnings yield 7.62% 6.93% 7.33%
Free cash flow yield 22.07% (10.69%) 7.63%

Profitability

Metric BBVA C Banks Diversified median
Gross margin 100.00% 52.38% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.82% 9.44% 18.44%
Free cash flow margin 78.73% (14.00%) 1.96%
Return on equity 17.50% 8.38% 11.14%
Return on assets 1.25% 0.60% 0.74%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BBVA C Banks Diversified median
Revenue growth (TTM) 19.14% 4.01% 4.67%
EPS growth (last fiscal year) 9.34% 17.68% —
Revenue growth, 5-year CAGR 9.75% 13.63% 14.34%
Net income growth, 5-year CAGR 50.32% 5.68% 10.77%

Health

Metric BBVA C Banks Diversified median
Debt to equity 1.77 1.56 1.39
Current ratio 1.06 1.05 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBVA C Banks Diversified median
Dividend yield 7.09% 3.96% 3.80%
Payout ratio 0.37 0.32 0.31

Size

Metric BBVA C Banks Diversified median
Market cap 157.54b 222.18b 186.46b

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