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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 $198.7B against $139.2B — 1.4× the size. Banco Bilbao Viscaya Argentaria S.A. trades at the lower P/E: 10.9× against 11.6×. Banco Bilbao Viscaya Argentaria S.A. grew revenue faster over the last twelve months: 20.8% 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 (4.37% vs 2.13%). 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 10.91 11.62 11.69
P/S 3.05 1.26 2.57
P/B 2.06 1.15 1.53
Price to free cash flow 7.78 n/m 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.16% 8.60% 8.55%
Free cash flow yield 12.86% (11.01%) 7.95%

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 26.81% 10.37% 18.44%
Free cash flow margin 39.21% 0.00% 0.00%
Return on equity 18.09% 9.40% 11.03%
Return on assets 1.25% 0.65% 0.80%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BBVA C Banks Diversified median
Revenue growth (TTM) 20.78% 4.74% 5.49%
EPS growth (last fiscal year) 9.34% 17.68% 19.95%
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 0.00 1.63 1.10
Current ratio 0.24 1.05 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBVA C Banks Diversified median
Dividend yield 4.37% 2.13% 2.29%
Payout ratio 0.48 0.25 0.27

Size

Metric BBVA C Banks Diversified median
Market cap 139.24b 198.69b 155.56b

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