Citigroup Inc. (C) vs UBS Group AG (UBS)

Citigroup Inc. and UBS Group AG are both Banks Diversified companies. Citigroup Inc. is the larger, with a market value of $198.7B against $147.8B — 1.3× the size. Citigroup Inc. trades at the lower P/E: 11.6× against 15.4×. Citigroup Inc. grew revenue faster over the last twelve months: 4.74% against −21.7%. UBS Group AG has the higher net margin (16.1% vs 10.4%) and the higher return on invested capital (2.91% vs 0.00%). Both pay a dividend; UBS Group AG yields more (2.26% vs 2.13%). Across the 17 metrics below, UBS Group AG leads on 9 and Citigroup Inc. on 8.

Valuation

Metric C UBS Banks Diversified median
P/E 11.62 15.41 11.69
P/S 1.26 2.46 2.57
P/B 1.15 1.67 1.53
Price to free cash flow n/m 12.58 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.60% 6.49% 8.55%
Free cash flow yield (11.01%) 7.95% 7.95%

Profitability

Metric C UBS Banks Diversified median
Gross margin 52.85% 80.29% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 16.07% 18.44%
Free cash flow margin 0.00% 0.00% 0.00%
Return on equity 9.40% 10.86% 11.03%
Return on assets 0.65% 0.59% 0.80%
Return on invested capital 0.00% 2.91% 0.00%

Growth

Metric C UBS Banks Diversified median
Revenue growth (TTM) 4.74% (21.66%) 5.49%
EPS growth (last fiscal year) 17.68% 55.26% 19.95%
Revenue growth, 5-year CAGR 13.63% 16.13% 14.34%
Net income growth, 5-year CAGR 5.68% 3.45% 10.77%

Health

Metric C UBS Banks Diversified median
Debt to equity 1.63 3.66 1.10
Current ratio 1.05 1.08 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C UBS Banks Diversified median
Dividend yield 2.13% 2.26% 2.29%
Payout ratio 0.25 0.36 0.27

Size

Metric C UBS Banks Diversified median
Market cap 198.69b 147.79b 155.56b

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