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

Citigroup Inc. and Sumitomo Mitsui Financial Group Inc are both Banks Diversified companies. Citigroup Inc. is the larger, with a market value of $198.7B against $148.3B — 1.3× the size. Sumitomo Mitsui Financial Group Inc trades at the lower P/E: 8.9× against 11.6×. 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 (2.13% vs 1.24%). 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 11.62 8.86 11.69
P/S 1.26 2.63 2.57
P/B 1.15 1.46 1.53
Price to free cash flow n/m n/m 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.60% 11.29% 8.55%
Free cash flow yield (11.01%) (56.68%) 7.95%

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% 11.03%
Return on assets 0.65% 0.49% 0.80%
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% 19.95%
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 1.10
Current ratio 1.05 1.05 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C SMFG Banks Diversified median
Dividend yield 2.13% 1.24% 2.29%
Payout ratio 0.25 0.11 0.27

Size

Metric C SMFG Banks Diversified median
Market cap 198.69b 148.29b 155.56b

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