Banco Santander, S.A. (SAN) vs Sumitomo Mitsui Financial Group Inc (SMFG)

Banco Santander, S.A. and Sumitomo Mitsui Financial Group Inc are both Banks Diversified companies. Banco Santander, S.A. is the larger, with a market value of $208.6B against $164.3B — 1.3× the size. Sumitomo Mitsui Financial Group Inc trades at the lower P/E: 10.0× against 11.6×. Banco Santander, S.A. grew revenue faster over the last twelve months: 76.4% against 51.8%. Sumitomo Mitsui Financial Group Inc has the higher net margin (17.6% vs 14.0%) and the lower return on invested capital (0.00% vs 13.5%). Both pay a dividend; Banco Santander, S.A. yields more (6.02% vs 3.63%). Across the 19 metrics below, Banco Santander, S.A. leads on 10 and Sumitomo Mitsui Financial Group Inc on 9.

Valuation

Metric SAN SMFG Banks Diversified median
P/E 11.63 10.01 13.67
P/S 1.50 2.98 2.72
P/B 1.51 1.65 1.69
Price to free cash flow n/m n/m 4.53
EV/EBITDA n/m n/m —
EV/Sales 1.72 (6.74) —
Earnings yield 8.60% 9.99% 7.33%
Free cash flow yield (21.86%) (50.17%) 7.63%

Profitability

Metric SAN SMFG Banks Diversified median
Gross margin 50.17% 60.39% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.00% 17.63% 18.44%
Free cash flow margin (32.77%) 0.00% 1.96%
Return on equity 14.66% 9.85% 11.14%
Return on assets 0.87% 0.49% 0.74%
Return on invested capital 13.45% 0.00% 0.00%

Growth

Metric SAN SMFG Banks Diversified median
Revenue growth (TTM) 76.39% 51.80% 4.67%
EPS growth (last fiscal year) 972.92% 135.25% —
Revenue growth, 5-year CAGR 15.04% 12.86% 14.34%
Net income growth, 5-year CAGR 0.00% 3.04% 10.77%

Health

Metric SAN SMFG Banks Diversified median
Debt to equity 3.89 1.65 1.39
Current ratio 0.24 1.05 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SAN SMFG Banks Diversified median
Dividend yield 6.02% 3.63% 3.80%
Payout ratio 0.20 0.40 0.31

Size

Metric SAN SMFG Banks Diversified median
Market cap 208.58b 164.33b 186.46b

Compare with another peer

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