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 $206.7B against $146.3B — 1.4× the size. Citigroup Inc. trades at the lower P/E: 12.1× against 15.5×. Citigroup Inc. grew revenue faster over the last twelve months: 4.74% against −13.0%. UBS Group AG has the higher net margin (13.8% vs 10.4%) and the higher return on invested capital (3.60% vs 0.00%). Both pay a dividend; UBS Group AG yields more (2.31% vs 1.99%). Across the 18 metrics below, UBS Group AG leads on 10 and Citigroup Inc. on 8.

Valuation

Metric C UBS Banks Diversified median
P/E 12.07 15.53 11.97
P/S 1.32 2.13 2.60
P/B 1.20 1.64 1.59
Price to free cash flow n/m 12.43 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.29% 6.44% 8.36%
Free cash flow yield (10.54%) 8.04% 7.80%

Profitability

Metric C UBS Banks Diversified median
Gross margin 52.85% 73.15% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 13.80% 18.44%
Free cash flow margin 0.00% 17.15% 0.00%
Return on equity 9.40% 10.63% 10.89%
Return on assets 0.65% 0.59% 0.76%
Return on invested capital 0.00% 3.60% 0.00%

Growth

Metric C UBS Banks Diversified median
Revenue growth (TTM) 4.74% (13.04%) 5.49%
EPS growth (last fiscal year) 17.68% 55.26% 18.19%
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 3.84 1.43
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 1.99% 2.31% 2.29%
Payout ratio 0.23 0.37 0.27

Size

Metric C UBS Banks Diversified median
Market cap 206.68b 146.29b 201.23b

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