Citigroup

C · Diversified Banks

$120.62

1.5%

Truist Financial

TFC · Diversified Banks

$48.44

0.0%

The short version

Citigroup is the larger business, with $85.2B of revenue in fiscal 2025 against $20.3B for Truist Financial, about 4.2 times as much.
Truist Financial grew revenue faster (53.0%, against 5.6%).
Investors pay more for each dollar of Citigroup’s earnings: a P/E of 17.3x against 11.1x for Truist Financial.

Latest fiscal year	C · FY25	TFC · FY25
Size
Market cap	$225.9B	$63.1B
Revenue	$85.2B	$20.3B
Free cash flow	—	—
Net income	$14.3B	$5.3B
Growth
Revenue growth	5.6%	53.0%
5-year growth	2.5%	−2.2%
Share count change	−3.5%	−2.1%
Profitability
Gross margin	—	—
Operating margin	—	—
Net margin	16.8%	26.1%
FCF margin	—	—
Return on capital	—	—
Return on equity	6.8%	8.2%
Balance sheet
Net debt	—	—
Net debt / EBITDA	—	—
Dividends and buybacks	$18.6B	$5.2B
Valuation & quality
P/E	17.3x	11.1x
Piotroski F-score	—	—

Revenue

FY16

C $70.8B

TFC $10.8B

FY17

C $72.4B

TFC $11.3B

FY18

C $72.9B

TFC $11.6B

FY19

C $75.1B

TFC $12.6B

FY20

C $75.5B

TFC $22.7B

FY21

C $71.9B

TFC $22.3B

FY22

C $75.3B

TFC $20.0B

FY23

C $78.1B

TFC $20.0B

FY24

C $80.7B

TFC $13.3B

FY25

C $85.2B

TFC $20.3B

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

C TFC

Operating margin

FY16

C —

TFC —

FY17

C —

TFC —

FY18

C —

TFC —

FY19

C —

TFC —

FY20

C —

TFC —

FY21

C —

TFC —

FY22

C —

TFC —

FY23

C —

TFC —

FY24

C —

TFC —

FY25

C —

TFC —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

C TFC

Free cash flow

FY16

C —

TFC —

FY17

C —

TFC —

FY18

C —

TFC —

FY19

C —

TFC —

FY20

C —

TFC —

FY21

C —

TFC —

FY22

C —

TFC —

FY23

C —

TFC —

FY24

C —

TFC —

FY25

C —

TFC —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

C TFC

Return on capital

FY16

C —

TFC —

FY17

C —

TFC —

FY18

C —

TFC —

FY19

C —

TFC —

FY20

C —

TFC —

FY21

C —

TFC —

FY22

C —

TFC —

FY23

C —

TFC —

FY24

C —

TFC —

FY25

C —

TFC —

FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25

C TFC

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