Citigroup Inc. (C) vs Sumitomo Mitsui Financial Group Inc (SMFG)

Citigroup Inc. and Sumitomo Mitsui Financial Group Inc are both Banks Diversified companies. Sumitomo Mitsui Financial Group Inc is the larger, with a market value of $311.3B against $206.7B — 1.5× the size. Sumitomo Mitsui Financial Group Inc trades at the lower P/E: 9.3× against 12.1×. Sumitomo Mitsui Financial Group Inc grew revenue faster over the last twelve months: 51.8% against 4.74%. Sumitomo Mitsui Financial Group Inc has the higher net margin (17.6% vs 10.4%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Citigroup Inc. yields more (1.99% vs 1.18%). Across the 16 metrics below, Citigroup Inc. leads on 9 and Sumitomo Mitsui Financial Group Inc on 7.

Valuation

Metric C SMFG Banks Diversified median
P/E 12.07 9.31 11.97
P/S 1.32 2.77 2.60
P/B 1.20 1.54 1.59
Price to free cash flow n/m n/m 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.29% 10.74% 8.36%
Free cash flow yield (10.54%) (53.94%) 7.80%

Profitability

Metric C SMFG Banks Diversified median
Gross margin 52.85% 60.39% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 17.63% 18.44%
Free cash flow margin 0.00% 0.00% 0.00%
Return on equity 9.40% 9.85% 10.89%
Return on assets 0.65% 0.49% 0.76%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric C SMFG Banks Diversified median
Revenue growth (TTM) 4.74% 51.80% 5.49%
EPS growth (last fiscal year) 17.68% 135.25% 18.19%
Revenue growth, 5-year CAGR 13.63% 12.86% 14.34%
Net income growth, 5-year CAGR 5.68% 3.04% 10.77%

Health

Metric C SMFG Banks Diversified median
Debt to equity 1.63 1.65 1.43
Current ratio 1.05 1.05 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C SMFG Banks Diversified median
Dividend yield 1.99% 1.18% 2.29%
Payout ratio 0.23 0.11 0.27

Size

Metric C SMFG Banks Diversified median
Market cap 206.68b 311.30b 201.23b

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