Banco Santander Brasil SA (BSBR) vs Citizens Financial Group, Inc. (CFG)

Banco Santander Brasil SA and Citizens Financial Group, Inc. are both Banks Regional companies. Citizens Financial Group, Inc. is the larger, with a market value of $28.2B against $21.4B — 1.3× the size. Banco Santander Brasil SA trades at the lower P/E: 7.6× against 14.1×. Banco Santander Brasil SA grew revenue faster over the last twelve months: 18.6% against 3.04%. Citizens Financial Group, Inc. has the higher net margin (16.0% vs 7.49%) and the lower return on invested capital (6.16% vs 13.4%). Both pay a dividend; Banco Santander Brasil SA yields more (6.37% vs 5.45%). Across the 20 metrics below, Banco Santander Brasil SA leads on 15 and Citizens Financial Group, Inc. on 5.

Valuation

Metric BSBR CFG Banks Regional median
P/E 7.59 14.09 12.15
P/S 0.63 2.24 2.37
P/B 0.86 1.15 1.21
Price to free cash flow 2.86 13.32 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.04 2.35 2.27
Earnings yield 13.17% 7.10% 8.11%
Free cash flow yield 34.98% 7.51% 8.98%

Profitability

Metric BSBR CFG Banks Regional median
Gross margin 40.78% 70.51% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 7.49% 16.03% 18.66%
Free cash flow margin 22.08% 18.75% 21.18%
Return on equity 10.99% 8.41% 10.64%
Return on assets 1.10% 0.88% 1.13%
Return on invested capital 13.40% 6.16% 8.33%

Growth

Metric BSBR CFG Banks Regional median
Revenue growth (TTM) 18.60% 3.04% 6.61%
EPS growth (last fiscal year) 5.26% 27.39% —
Revenue growth, 5-year CAGR 20.06% 9.45% 12.30%
Net income growth, 5-year CAGR (2.56%) 12.18% 9.71%

Health

Metric BSBR CFG Banks Regional median
Debt to equity 3.34 0.58 0.22
Current ratio 1.56 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSBR CFG Banks Regional median
Dividend yield 6.37% 5.45% 3.75%
Payout ratio 1.27 0.38 0.27

Size

Metric BSBR CFG Banks Regional median
Market cap 21.38b 28.19b 921.07m

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