Bank of America

BAC · Diversified Banks

$50.56

1.0%

Citigroup

C · Diversified Banks

$120.62

1.5%

The short version

Bank of America is the larger business, with $113.1B of revenue in fiscal 2025 against $85.2B for Citigroup.
Bank of America grew revenue faster (6.8%, against 5.6%).
Investors pay more for each dollar of Citigroup’s earnings: a P/E of 17.3x against 11.7x for Bank of America.

Latest fiscal year	BAC · FY25	C · FY25
Size
Market cap	$388.3B	$225.9B
Revenue	$113.1B	$85.2B
Free cash flow	—	—
Net income	$30.5B	$14.3B
Growth
Revenue growth	6.8%	5.6%
5-year growth	5.8%	2.5%
Share count change	−3.2%	−3.5%
Profitability
Gross margin	—	—
Operating margin	—	—
Net margin	27.0%	16.8%
FCF margin	—	—
Return on capital	—	—
Return on equity	10.2%	6.8%
Balance sheet
Net debt	—	—
Net debt / EBITDA	—	—
Dividends and buybacks	$31.0B	$18.6B
Valuation & quality
P/E	11.7x	17.3x
Piotroski F-score	—	—

Revenue

FY16

BAC $83.7B

C $70.8B

FY17

BAC $87.1B

C $72.4B

FY18

BAC $91.0B

C $72.9B

FY19

BAC $91.2B

C $75.1B

FY20

BAC $85.5B

C $75.5B

FY21

BAC $89.1B

C $71.9B

FY22

BAC $95.0B

C $75.3B

FY23

BAC $102.8B

C $78.1B

FY24

BAC $105.9B

C $80.7B

FY25

BAC $113.1B

C $85.2B

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

BAC C

Operating margin

FY16

BAC —

C —

FY17

BAC —

C —

FY18

BAC —

C —

FY19

BAC —

C —

FY20

BAC —

C —

FY21

BAC —

C —

FY22

BAC —

C —

FY23

BAC —

C —

FY24

BAC —

C —

FY25

BAC —

C —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

BAC C

Free cash flow

FY16

BAC —

C —

FY17

BAC —

C —

FY18

BAC —

C —

FY19

BAC —

C —

FY20

BAC —

C —

FY21

BAC —

C —

FY22

BAC —

C —

FY23

BAC —

C —

FY24

BAC —

C —

FY25

BAC —

C —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

BAC C

Return on capital

FY16

BAC —

C —

FY17

BAC —

C —

FY18

BAC —

C —

FY19

BAC —

C —

FY20

BAC —

C —

FY21

BAC —

C —

FY22

BAC —

C —

FY23

BAC —

C —

FY24

BAC —

C —

FY25

BAC —

C —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

BAC C

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