Citigroup Inc. (C) vs Wells Fargo & Company (WFC)

Citigroup Inc. and Wells Fargo & Company are both Banks Diversified companies. Wells Fargo & Company is the larger, with a market value of $248.4B against $206.7B — 1.2× the size. Wells Fargo & Company trades at the lower P/E: 11.5× against 12.1×. Wells Fargo & Company grew revenue faster over the last twelve months: 6.24% against 4.74%. Wells Fargo & Company has the higher net margin (16.9% vs 10.4%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Wells Fargo & Company yields more (2.21% vs 1.99%). Across the 16 metrics below, Wells Fargo & Company leads on 11 and Citigroup Inc. on 5.

Valuation

Metric C WFC Banks Diversified median
P/E 12.07 11.53 11.97
P/S 1.32 1.94 2.60
P/B 1.20 1.57 1.59
Price to free cash flow n/m 13.25 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.29% 8.67% 8.36%
Free cash flow yield (10.54%) 7.55% 7.80%

Profitability

Metric C WFC Banks Diversified median
Gross margin 52.85% 66.99% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 16.88% 18.44%
Free cash flow margin 0.00% 0.00% 0.00%
Return on equity 9.40% 13.43% 10.89%
Return on assets 0.65% 1.02% 0.76%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric C WFC Banks Diversified median
Revenue growth (TTM) 4.74% 6.24% 5.49%
EPS growth (last fiscal year) 17.68% 16.57% 18.19%
Revenue growth, 5-year CAGR 13.63% 8.48% 14.34%
Net income growth, 5-year CAGR 5.68% 62.58% 10.77%

Health

Metric C WFC Banks Diversified median
Debt to equity 1.63 1.03 1.43
Current ratio 1.05 0.89 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C WFC Banks Diversified median
Dividend yield 1.99% 2.21% 2.29%
Payout ratio 0.23 0.26 0.27

Size

Metric C WFC Banks Diversified median
Market cap 206.68b 248.39b 201.23b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack