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CVB Financial Corporation (CVBF) vs Grupo Financiero Galicia S.A. (GGAL)

CVB Financial Corporation and Grupo Financiero Galicia S.A. are both Banks Regional companies. CVB Financial Corporation and Grupo Financiero Galicia S.A. are of similar size ($4.0B and $4.0B). CVB Financial Corporation trades at the lower P/E: 15.2× against 15.2×. CVB Financial Corporation grew revenue faster over the last twelve months: 22.6% against −65.4%. CVB Financial Corporation has the higher net margin (29.4% vs 7.53%) and the higher return on invested capital (6.63% vs −76.1%). Across the 16 metrics below, CVB Financial Corporation leads on 8 and Grupo Financiero Galicia S.A. on 8.

Valuation

Metric CVBF GGAL Banks Regional median
P/E 15.19 15.21 12.02
P/S 5.10 1.20 2.36
P/B 1.28 0.80 1.23
Price to free cash flow 7.01 0.70 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.58% 6.58% 8.21%
Free cash flow yield 14.26% 143.09% 9.23%

Profitability

Metric CVBF GGAL Banks Regional median
Gross margin 81.46% 84.41% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.41% 7.53% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 8.55% 0.00% 10.28%
Return on assets 1.28% 1.00% 1.13%
Return on invested capital 6.63% (76.07%) 8.45%

Growth

Metric CVBF GGAL Banks Regional median
Revenue growth (TTM) 22.56% (65.36%) 6.37%
EPS growth (last fiscal year) 5.56% (91.19%) 18.85%
Revenue growth, 5-year CAGR 6.19% 19.31% 12.65%
Net income growth, 5-year CAGR 3.32% (13.82%) 9.81%

Health

Metric CVBF GGAL Banks Regional median
Debt to equity 0.17 0.00 0.17
Current ratio 0.75 1.08 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CVBF GGAL Banks Regional median
Dividend yield 3.49% — 2.49%
Payout ratio 0.53 — 0.29

Size

Metric CVBF GGAL Banks Regional median
Market cap 4.01b 3.96b 934.85m

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