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Citizens Financial Group, Inc. (CFG) vs Itau Unibanco Holding S.A. (ITUB)

Citizens Financial Group, Inc. and Itau Unibanco Holding S.A. are both Banks Regional companies. Itau Unibanco Holding S.A. is the larger, with a market value of $39.4B against $26.8B — 1.5× the size. Itau Unibanco Holding S.A. trades at the lower P/E: 9.3× against 12.8×. Itau Unibanco Holding S.A. grew revenue faster over the last twelve months: 29.0% against 4.39%. Citizens Financial Group, Inc. has the higher net margin (16.9% vs 12.1%) and the lower return on invested capital (6.30% vs 12.7%). Both pay a dividend; Itau Unibanco Holding S.A. yields more (5.94% vs 2.97%). Across the 19 metrics below, Itau Unibanco Holding S.A. leads on 14 and Citizens Financial Group, Inc. on 5.

Valuation

Metric CFG ITUB Banks Regional median
P/E 12.78 9.32 12.02
P/S 2.15 1.10 2.36
P/B 1.17 1.79 1.23
Price to free cash flow 32.96 2.77 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.83% 10.73% 8.21%
Free cash flow yield 3.03% 36.04% 9.23%

Profitability

Metric CFG ITUB Banks Regional median
Gross margin 71.13% 44.92% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.93% 12.12% 18.82%
Free cash flow margin 8.43% 39.73% 17.97%
Return on equity 9.11% 21.16% 10.28%
Return on assets 0.93% 1.55% 1.13%
Return on invested capital 6.30% 12.72% 8.45%

Growth

Metric CFG ITUB Banks Regional median
Revenue growth (TTM) 4.39% 28.98% 6.37%
EPS growth (last fiscal year) 27.39% 5.94% 18.85%
Revenue growth, 5-year CAGR 9.45% 15.52% 12.65%
Net income growth, 5-year CAGR 12.18% 16.99% 9.81%

Health

Metric CFG ITUB Banks Regional median
Debt to equity 0.68 2.44 0.17
Current ratio 0.86 1.08 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFG ITUB Banks Regional median
Dividend yield 2.97% 5.94% 2.49%
Payout ratio 0.38 0.57 0.29

Size

Metric CFG ITUB Banks Regional median
Market cap 26.76b 39.40b 934.85m

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