Citigroup Inc. (C) vs Mitsubishi UFJ Financial Group, Inc. (MUFG)

Citigroup Inc. and Mitsubishi UFJ Financial Group, Inc. are both Banks Diversified companies. Mitsubishi UFJ Financial Group, Inc. is the larger, with a market value of $269.5B against $222.2B — 1.2× the size. Citigroup Inc. trades at the lower P/E: 14.4× against 18.3×. Mitsubishi UFJ Financial Group, Inc. grew revenue faster over the last twelve months: 44.4% against 4.01%. Mitsubishi UFJ Financial Group, Inc. has the higher net margin (19.3% vs 9.44%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Citigroup Inc. yields more (3.96% vs 3.01%). Across the 18 metrics below, Citigroup Inc. leads on 9 and Mitsubishi UFJ Financial Group, Inc. on 9.

Valuation

Metric C MUFG Banks Diversified median
P/E 14.42 18.27 13.67
P/S 1.31 3.42 2.72
P/B 1.17 1.74 1.69
Price to free cash flow n/m n/m 4.53
EV/EBITDA n/m n/m —
EV/Sales (4.84) (6.66) —
Earnings yield 6.93% 5.47% 7.33%
Free cash flow yield (10.69%) (89.35%) 7.63%

Profitability

Metric C MUFG Banks Diversified median
Gross margin 52.38% 65.49% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.44% 19.25% 18.44%
Free cash flow margin (14.00%) 0.00% 1.96%
Return on equity 8.38% 10.10% 11.14%
Return on assets 0.60% 0.55% 0.74%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric C MUFG Banks Diversified median
Revenue growth (TTM) 4.01% 44.39% 4.67%
EPS growth (last fiscal year) 17.68% 51.98% —
Revenue growth, 5-year CAGR 13.63% 6.61% 14.34%
Net income growth, 5-year CAGR 5.68% 9.34% 10.77%

Health

Metric C MUFG Banks Diversified median
Debt to equity 1.56 1.10 1.39
Current ratio 1.05 0.85 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C MUFG Banks Diversified median
Dividend yield 3.96% 3.01% 3.80%
Payout ratio 0.32 0.25 0.31

Size

Metric C MUFG Banks Diversified median
Market cap 222.18b 269.52b 186.46b

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