Citigroup vs Truist Financial
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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%).
| Latest fiscal year | C Β· FY25 | TFC Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $225.9B | $63.1B |
| Revenue | $85.2B | $20.3B |
| Free cash flow | β | β |
| Net income | $14.3B | $5.3B |
| Growth | ||
| Revenue growth | 5.6% | 53.0% |
| 5-year growth | 2.5% | β2.2% |
| Share count change | β3.5% | β2.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 16.8% | 26.1% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 6.8% | 8.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $18.6B | $5.2B |
| Valuation & quality | ||
| P/E | β | 11.1x |
| Piotroski F-score | β | β |
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
C
TFC
Operating margin
FY16
C β
TFC β
FY17
C β
TFC β
FY18
C β
TFC β
FY19
C β
TFC β
FY20
C β
TFC β
FY21
C β
TFC β
FY22
C β
TFC β
FY23
C β
TFC β
FY24
C β
TFC β
FY25
C β
TFC β
C
TFC
Free cash flow
FY16
C β
TFC β
FY17
C β
TFC β
FY18
C β
TFC β
FY19
C β
TFC β
FY20
C β
TFC β
FY21
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TFC β
FY22
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TFC β
FY23
C β
TFC β
FY24
C β
TFC β
FY25
C β
TFC β
C
TFC
Return on capital
FY16
C β
TFC β
FY17
C β
TFC β
FY18
C β
TFC β
FY19
C β
TFC β
FY20
C β
TFC β
FY21
C β
TFC β
FY22
C β
TFC β
FY23
C β
TFC β
FY24
C β
TFC β
FY25
C β
TFC β
C
TFC
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.