Citigroup vs PNC Financial Services
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The short version
- Citigroup is the larger business, with $85.2B of revenue in fiscal 2025 against $23.1B for PNC Financial Services, about 3.7 times as much.
- PNC Financial Services grew revenue faster (7.2%, against 5.6%).
| Latest fiscal year | C Β· FY25 | PNC Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $225.9B | $88.9B |
| Revenue | $85.2B | $23.1B |
| Free cash flow | β | β |
| Net income | $14.3B | $7.0B |
| Growth | ||
| Revenue growth | 5.6% | 7.2% |
| 5-year growth | 2.5% | 6.5% |
| Share count change | β3.5% | β1.0% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 16.8% | 30.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 6.8% | 12.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $18.6B | $4.0B |
| Valuation & quality | ||
| P/E | β | 12.4x |
| Piotroski F-score | β | β |
Revenue
FY16
C $70.8B
PNC $15.2B
FY17
C $72.4B
PNC $16.3B
FY18
C $72.9B
PNC $16.2B
FY19
C $75.1B
PNC $16.8B
FY20
C $75.5B
PNC $16.9B
FY21
C $71.9B
PNC $19.2B
FY22
C $75.3B
PNC $21.1B
FY23
C $78.1B
PNC $21.5B
FY24
C $80.7B
PNC $21.6B
FY25
C $85.2B
PNC $23.1B
C
PNC
Operating margin
FY16
C β
PNC β
FY17
C β
PNC β
FY18
C β
PNC β
FY19
C β
PNC β
FY20
C β
PNC β
FY21
C β
PNC β
FY22
C β
PNC β
FY23
C β
PNC β
FY24
C β
PNC β
FY25
C β
PNC β
C
PNC
Free cash flow
FY16
C β
PNC β
FY17
C β
PNC β
FY18
C β
PNC β
FY19
C β
PNC β
FY20
C β
PNC β
FY21
C β
PNC β
FY22
C β
PNC β
FY23
C β
PNC β
FY24
C β
PNC β
FY25
C β
PNC β
C
PNC
Return on capital
FY16
C β
PNC β
FY17
C β
PNC β
FY18
C β
PNC β
FY19
C β
PNC β
FY20
C β
PNC β
FY21
C β
PNC β
FY22
C β
PNC β
FY23
C β
PNC β
FY24
C β
PNC β
FY25
C β
PNC β
C
PNC
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.