Citigroup Inc vs Banco Santander, S.A., two Banks—Regional stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Neither growth line prints, but the trajectories are priced: Santander at 13.6 times earnings as a finished retail-banking machine spanning Europe and Latin America, Citigroup at 20.3 as a restructuring whose earnings have not yet arrived. Current delivery favors Santander overwhelmingly: a 36.6% net margin against 16.8%, 13.8% returns on equity against 6.7%, 0.83% on assets against 0.54%. Citi's premium multiple is trough mathematics, not enthusiasm. The pair prices European pessimism against American patience: the stronger bank at the lower multiple because of its passport, the weaker at the higher because of its promise. Read cold, one page simply earns more.
Comparison updated 2026-07-10.
| Metric | C | SAN |
|---|---|---|
| Price | $141.79 | $13.40 |
| Market cap | $264.1B | $199.5B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 20.3 | 13.6 |
| P/B | 1.24 | 1.63 |
| P/S | 3.10 | 4.33 |
| EV/EBITDA | — | 9.8 |
| Revenue growth | +5.6% | +6.3% |
| Gross margin | — | 138.5% |
| Net margin | 16.8% | 36.6% |
| Return on equity | 6.7% | 13.8% |
| Return on assets | 0.5% | 0.8% |
| Debt / equity | 1.72 | 0.00 |
| Piotroski F (quality) | 8 / 9 | 5 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.