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 $222.2B against $164.3B — 1.4× the size. Sumitomo Mitsui Financial Group Inc trades at the lower P/E: 10.0× against 14.4×. Sumitomo Mitsui Financial Group Inc grew revenue faster over the last twelve months: 51.8% against 4.01%. Sumitomo Mitsui Financial Group Inc has the higher net margin (17.6% 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 3.63%). Across the 18 metrics below, Sumitomo Mitsui Financial Group Inc leads on 10 and Citigroup Inc. on 8.

Valuation

Metric C SMFG Banks Diversified median
P/E 14.42 10.01 13.67
P/S 1.31 2.98 2.72
P/B 1.17 1.65 1.69
Price to free cash flow n/m n/m 4.53
EV/EBITDA n/m n/m —
EV/Sales (4.84) (6.74) —
Earnings yield 6.93% 9.99% 7.33%
Free cash flow yield (10.69%) (50.17%) 7.63%

Profitability

Metric C SMFG Banks Diversified median
Gross margin 52.38% 60.39% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.44% 17.63% 18.44%
Free cash flow margin (14.00%) 0.00% 1.96%
Return on equity 8.38% 9.85% 11.14%
Return on assets 0.60% 0.49% 0.74%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric C SMFG Banks Diversified median
Revenue growth (TTM) 4.01% 51.80% 4.67%
EPS growth (last fiscal year) 17.68% 135.25% —
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 1.56 1.65 1.39
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 3.96% 3.63% 3.80%
Payout ratio 0.32 0.40 0.31

Size

Metric C SMFG Banks Diversified median
Market cap 222.18b 164.33b 186.46b

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