Banco Bilbao Viscaya Argentaria S.A. (BBVA) vs Sumitomo Mitsui Financial Group Inc (SMFG)

Banco Bilbao Viscaya Argentaria S.A. and Sumitomo Mitsui Financial Group Inc are both Banks Diversified companies. Banco Bilbao Viscaya Argentaria S.A. and Sumitomo Mitsui Financial Group Inc are of similar size ($164.3B and $157.5B). Sumitomo Mitsui Financial Group Inc trades at the lower P/E: 10.0× against 13.1×. Sumitomo Mitsui Financial Group Inc grew revenue faster over the last twelve months: 51.8% against 19.1%. Banco Bilbao Viscaya Argentaria S.A. has the higher net margin (26.8% vs 17.6%) 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 3.63%). Across the 18 metrics below, Banco Bilbao Viscaya Argentaria S.A. leads on 9 and Sumitomo Mitsui Financial Group Inc on 9.

Valuation

Metric BBVA SMFG Banks Diversified median
P/E 13.12 10.01 13.67
P/S 3.57 2.98 2.72
P/B 2.25 1.65 1.69
Price to free cash flow 4.53 n/m 4.53
EV/EBITDA n/m n/m —
EV/Sales 0.94 (6.74) —
Earnings yield 7.62% 9.99% 7.33%
Free cash flow yield 22.07% (50.17%) 7.63%

Profitability

Metric BBVA SMFG Banks Diversified median
Gross margin 100.00% 60.39% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.82% 17.63% 18.44%
Free cash flow margin 78.73% 0.00% 1.96%
Return on equity 17.50% 9.85% 11.14%
Return on assets 1.25% 0.49% 0.74%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BBVA SMFG Banks Diversified median
Revenue growth (TTM) 19.14% 51.80% 4.67%
EPS growth (last fiscal year) 9.34% 135.25% —
Revenue growth, 5-year CAGR 9.75% 12.86% 14.34%
Net income growth, 5-year CAGR 50.32% 3.04% 10.77%

Health

Metric BBVA SMFG Banks Diversified median
Debt to equity 1.77 1.65 1.39
Current ratio 1.06 1.05 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBVA SMFG Banks Diversified median
Dividend yield 7.09% 3.63% 3.80%
Payout ratio 0.37 0.40 0.31

Size

Metric BBVA SMFG Banks Diversified median
Market cap 157.54b 164.33b 186.46b

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