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Citigroup Inc. (C) vs ING Group, N.V. (ING)

Citigroup Inc. and ING Group, N.V. are both Banks Diversified companies. Citigroup Inc. is the larger, with a market value of $214.9B against $94.0B — 2.3× the size. Citigroup Inc. trades at the lower P/E: 13.9× against 14.1×. Citigroup Inc. grew revenue faster over the last twelve months: 4.01% against −40.1%. ING Group, N.V. has the higher net margin (81.9% vs 9.44%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; ING Group, N.V. yields more (4.55% vs 1.91%). Across the 17 metrics below, Citigroup Inc. leads on 9 and ING Group, N.V. on 8.

Valuation

Metric C ING Banks Diversified median
P/E 13.92 14.14 12.71
P/S 1.26 10.93 2.61
P/B 1.13 1.53 1.59
Price to free cash flow n/m 2.91 4.14
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.18% 7.07% 7.88%
Free cash flow yield (11.08%) 34.40% 7.71%

Profitability

Metric C ING Banks Diversified median
Gross margin 52.38% 100.00% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.44% 81.92% 18.44%
Free cash flow margin (14.00%) 0.00% 1.96%
Return on equity 8.38% 0.00% 11.14%
Return on assets 0.60% 0.00% 0.74%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric C ING Banks Diversified median
Revenue growth (TTM) 4.01% (40.08%) 4.67%
EPS growth (last fiscal year) 17.68% 12.15% 18.19%
Revenue growth, 5-year CAGR 13.63% 18.35% 14.34%
Net income growth, 5-year CAGR 5.68% 29.66% 10.77%

Health

Metric C ING Banks Diversified median
Debt to equity 1.56 2.99 1.39
Current ratio 1.05 1.10 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C ING Banks Diversified median
Dividend yield 1.91% 4.55% 2.18%
Payout ratio 0.27 0.64 0.27

Size

Metric C ING Banks Diversified median
Market cap 214.85b 94.03b 205.46b

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