BNY (BNY) vs Citigroup Inc. (C)

BNY and Citigroup Inc. are both Banks Diversified companies. Citigroup Inc. is the larger, with a market value of $198.7B against $99.3B — 2.0× the size. Citigroup Inc. trades at the lower P/E: 11.6× against 16.2×. Citigroup Inc. grew revenue faster over the last twelve months: 4.74% against −1.46%. BNY has the higher net margin (15.7% vs 10.4%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Citigroup Inc. yields more (2.13% vs 1.71%). Across the 17 metrics below, BNY leads on 10 and Citigroup Inc. on 7.

Valuation

Metric BNY C Banks Diversified median
P/E 16.17 11.62 11.69
P/S 2.50 1.26 2.57
P/B 2.52 1.15 1.53
Price to free cash flow 14.06 n/m 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.18% 8.60% 8.55%
Free cash flow yield 7.11% (11.01%) 7.95%

Profitability

Metric BNY C Banks Diversified median
Gross margin 54.71% 52.85% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.68% 10.37% 18.44%
Free cash flow margin 17.80% 0.00% 0.00%
Return on equity 15.89% 9.40% 11.03%
Return on assets 1.33% 0.65% 0.80%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BNY C Banks Diversified median
Revenue growth (TTM) (1.46%) 4.74% 5.49%
EPS growth (last fiscal year) 27.59% 17.68% 19.95%
Revenue growth, 5-year CAGR 19.20% 13.63% 14.34%
Net income growth, 5-year CAGR 9.16% 5.68% 10.77%

Health

Metric BNY C Banks Diversified median
Debt to equity 0.78 1.63 1.10
Current ratio 0.72 1.05 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BNY C Banks Diversified median
Dividend yield 1.71% 2.13% 2.29%
Payout ratio 0.28 0.25 0.27

Size

Metric BNY C Banks Diversified median
Market cap 99.25b 198.69b 155.56b

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