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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 $206.7B against $141.0B — 1.5× the size. Banco Bilbao Viscaya Argentaria S.A. trades at the lower P/E: 11.7× against 12.1×. Banco Bilbao Viscaya Argentaria S.A. grew revenue faster over the last twelve months: 19.1% against 4.74%. Banco Bilbao Viscaya Argentaria S.A. has the higher net margin (26.8% vs 10.4%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Banco Bilbao Viscaya Argentaria S.A. yields more (5.79% vs 1.99%). Across the 17 metrics below, Banco Bilbao Viscaya Argentaria S.A. leads on 12 and Citigroup Inc. on 5.

Valuation

Metric BBVA C Banks Diversified median
P/E 11.69 12.07 11.97
P/S 3.18 1.32 2.60
P/B 2.00 1.20 1.59
Price to free cash flow 4.04 n/m 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.55% 8.29% 8.36%
Free cash flow yield 24.77% (10.54%) 7.80%

Profitability

Metric BBVA C Banks Diversified median
Gross margin 100.00% 52.85% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.82% 10.37% 18.44%
Free cash flow margin 78.73% 0.00% 0.00%
Return on equity 17.50% 9.40% 10.89%
Return on assets 1.25% 0.65% 0.76%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BBVA C Banks Diversified median
Revenue growth (TTM) 19.14% 4.74% 5.49%
EPS growth (last fiscal year) 9.34% 17.68% 18.19%
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 1.63 1.43
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 5.79% 1.99% 2.29%
Payout ratio 0.68 0.23 0.27

Size

Metric BBVA C Banks Diversified median
Market cap 141.01b 206.68b 201.23b

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