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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. and Banco Santander, S.A. are of similar size ($206.7B and $195.8B). Banco Santander, S.A. trades at the lower P/E: 10.7× against 12.1×. Banco Santander, S.A. grew revenue faster over the last twelve months: 76.4% against 4.74%. Banco Santander, S.A. has the higher net margin (14.0% vs 10.4%) and the higher return on invested capital (13.5% vs 0.00%). Both pay a dividend; Banco Santander, S.A. yields more (3.17% vs 1.99%). Across the 18 metrics below, Banco Santander, S.A. leads on 10 and Citigroup Inc. on 8.

Valuation

Metric C SAN Banks Diversified median
P/E 12.07 10.73 11.97
P/S 1.32 1.38 2.60
P/B 1.20 1.39 1.59
Price to free cash flow n/m n/m 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.29% 9.32% 8.36%
Free cash flow yield (10.54%) (23.70%) 7.80%

Profitability

Metric C SAN Banks Diversified median
Gross margin 52.85% 50.17% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 14.00% 18.44%
Free cash flow margin 0.00% (32.77%) 0.00%
Return on equity 9.40% 14.66% 10.89%
Return on assets 0.65% 0.87% 0.76%
Return on invested capital 0.00% 13.45% 0.00%

Growth

Metric C SAN Banks Diversified median
Revenue growth (TTM) 4.74% 76.39% 5.49%
EPS growth (last fiscal year) 17.68% 972.92% 18.19%
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 3.89 1.43
Current ratio 1.05 0.24 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C SAN Banks Diversified median
Dividend yield 1.99% 3.17% 2.29%
Payout ratio 0.23 0.34 0.27

Size

Metric C SAN Banks Diversified median
Market cap 206.68b 195.78b 201.23b

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