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 $222.2B against $149.9B — 1.5× the size. Citigroup Inc. trades at the lower P/E: 14.4× against 16.2×. Citigroup Inc. grew revenue faster over the last twelve months: 4.01% against −13.0%. UBS Group AG has the higher net margin (13.8% vs 9.44%) and the higher return on invested capital (3.60% vs 0.00%). Both pay a dividend; Citigroup Inc. yields more (3.96% vs 2.64%). Across the 19 metrics below, Citigroup Inc. leads on 10 and UBS Group AG on 9.

Valuation

Metric C UBS Banks Diversified median
P/E 14.42 16.17 13.67
P/S 1.31 2.22 2.72
P/B 1.17 1.71 1.69
Price to free cash flow n/m 12.94 4.53
EV/EBITDA n/m n/m —
EV/Sales (4.84) 3.33 —
Earnings yield 6.93% 6.19% 7.33%
Free cash flow yield (10.69%) 7.73% 7.63%

Profitability

Metric C UBS Banks Diversified median
Gross margin 52.38% 73.15% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.44% 13.80% 18.44%
Free cash flow margin (14.00%) 17.15% 1.96%
Return on equity 8.38% 10.63% 11.14%
Return on assets 0.60% 0.56% 0.74%
Return on invested capital 0.00% 3.60% 0.00%

Growth

Metric C UBS Banks Diversified median
Revenue growth (TTM) 4.01% (13.04%) 4.67%
EPS growth (last fiscal year) 17.68% 55.26% —
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 1.56 3.84 1.39
Current ratio 1.05 1.10 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C UBS Banks Diversified median
Dividend yield 3.96% 2.64% 3.80%
Payout ratio 0.32 0.05 0.31

Size

Metric C UBS Banks Diversified median
Market cap 222.18b 149.93b 186.46b

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