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Citigroup Inc. (C) vs Banco Santander, S.A. (SAN)

Citigroup Inc. and Banco Santander, S.A. are both Banks Diversified companies. Citigroup Inc. is the larger, with a market value of $198.7B against $174.7B — 1.1× the size. Banco Santander, S.A. trades at the lower P/E: 9.1× against 11.6×. Banco Santander, S.A. grew revenue faster over the last twelve months: 110.4% against 4.74%. Banco Santander, S.A. has the higher net margin (15.7% vs 10.4%) and the higher return on invested capital (0.80% vs 0.00%). Both pay a dividend; Banco Santander, S.A. yields more (2.47% vs 2.13%). Across the 18 metrics below, Banco Santander, S.A. leads on 12 and Citigroup Inc. on 6.

Valuation

Metric C SAN Banks Diversified median
P/E 11.64 9.12 11.64
P/S 1.26 1.41 2.56
P/B 1.15 1.27 1.51
Price to free cash flow n/m 33.79 8.72
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.59% 10.96% 8.60%
Free cash flow yield (10.99%) 2.96% 8.12%

Profitability

Metric C SAN Banks Diversified median
Gross margin 52.85% 45.12% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 15.69% 18.44%
Free cash flow margin 0.00% 4.18% 0.00%
Return on equity 9.40% 14.57% 11.00%
Return on assets 0.65% 0.84% 0.81%
Return on invested capital 0.00% 0.80% 0.00%

Growth

Metric C SAN Banks Diversified median
Revenue growth (TTM) 4.74% 110.41% 5.49%
EPS growth (last fiscal year) 17.68% 972.92% 19.95%
Revenue growth, 5-year CAGR 13.63% 15.04% 14.34%
Net income growth, 5-year CAGR 5.68% 0.00% 10.77%

Health

Metric C SAN Banks Diversified median
Debt to equity 1.63 14.00 1.10
Current ratio 1.05 0.25 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C SAN Banks Diversified median
Dividend yield 2.13% 2.47% 2.41%
Payout ratio 0.25 0.23 0.28

Size

Metric C SAN Banks Diversified median
Market cap 198.69b 174.69b 148.29b

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