BAC vs C
Bank of America Corp. and Citigroup Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | BAC | C |
|---|---|---|
| Revenue | $113.1B | $85.2B |
| Net income | $30.5B | $14.3B |
| Gross margin | · | · |
| Net margin | 27.0% | 17.0% |
| Return on equity | 10.2% | 6.8% |
| Diluted EPS | $3.81 | $6.99 |
| Dividend / share | $1.08 | · |
| Payout ratio | · | 37.6% |
| Free cash flow | · | $-74.2B |
| Equity | $303.2B | $212.3B |
| Net debt / equity | 0.44× | 0.09× |
| Current ratio | · | · |
| Revenue CAGR 5y | 5.7% | 2.5% |
| Profit CAGR 5y | 11.3% | 5.3% |
BAC bills 1.3× the revenue of C, and keeps more of each dollar of revenue as profit (27.0% against 17.0%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | BAC | C |
|---|---|---|
| FY2025 | $113.1B | $85.2B |
| FY2024 | $105.9B | $80.7B |
| FY2023 | $102.8B | $78.1B |
| FY2022 | $95.0B | $75.3B |
| FY2021 | $89.1B | $71.9B |
| FY2020 | $85.5B | $75.5B |
| FY2019 | $91.2B | $75.1B |
| FY2018 | $91.0B | $72.9B |
| FY2017 | $87.1B | $72.4B |
| FY2016 | $83.7B | $70.8B |
Bottom line
| Fiscal year | BAC | C |
|---|---|---|
| FY2025 | $30.5B | $14.3B |
| FY2024 | $27.0B | $12.7B |
| FY2023 | $26.3B | $9.2B |
| FY2022 | $27.5B | $14.8B |
| FY2021 | $32.0B | $22.0B |
| FY2020 | $17.9B | $11.0B |
| FY2019 | $27.4B | $19.4B |
| FY2018 | $28.1B | $18.0B |
| FY2017 | $18.2B | $-6.8B |
| FY2016 | $17.8B | $14.9B |
19 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$27,872,000,000 | BAC |
| FY2024 | +$25,134,000,000 | BAC |
| FY2023 | +$24,703,000,000 | BAC |
| FY2022 | +$19,612,000,000 | BAC |
| FY2021 | +$17,229,000,000 | BAC |
| FY2020 | +$10,027,000,000 | BAC |
| FY2019 | +$16,177,000,000 | BAC |
| FY2018 | +$18,166,000,000 | BAC |
| FY2017 | +$14,682,000,000 | BAC |
| FY2016 | +$12,904,000,000 | BAC |
| FY2015 | +$6,611,000,000 | BAC |
| FY2014 | +$8,675,000,000 | BAC |
| FY2013 | +$12,218,000,000 | BAC |
| FY2012 | +$14,144,000,000 | BAC |
| FY2011 | +$16,123,000,000 | BAC |
| FY2010 | +$23,619,000,000 | BAC |
| FY2009 | +$39,358,000,000 | BAC |
| FY2008 | +$21,183,000,000 | BAC |
| FY2007 | −$10,467,000,000 | C |
The higher-revenue side has changed between BAC and C over this period. The gap has widened since the earliest year compared.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
19 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +10.0 pp | BAC |
| FY2024 | +9.6 pp | BAC |
| FY2023 | +13.6 pp | BAC |
| FY2022 | +9.2 pp | BAC |
| FY2021 | +5.2 pp | BAC |
| FY2020 | +6.2 pp | BAC |
| FY2019 | +4.1 pp | BAC |
| FY2018 | +6.1 pp | BAC |
| FY2017 | +30.2 pp | BAC |
| FY2016 | +0.1 pp | BAC |
| FY2015 | −3.5 pp | C |
| FY2014 | −3.3 pp | C |
| FY2013 | −5.2 pp | C |
| FY2012 | −6.2 pp | C |
| FY2011 | −13.0 pp | C |
| FY2010 | −14.6 pp | C |
| FY2009 | +7.1 pp | BAC |
| FY2008 | +59.8 pp | BAC |
| FY2007 | +17.4 pp | BAC |
The higher net margin has changed hands between BAC and C over this period.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
C's net margin has been more volatile than BAC's over the 19 comparable fiscal years — 18.0 percentage points of standard deviation against 11.0.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between BAC and C over these 19 fiscal years — BAC led in 13 and C in 6.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
C's return on equity has been more volatile than BAC's over the 19 comparable fiscal years — 6.9 percentage points of standard deviation against 3.8.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between BAC and C over these 19 fiscal years — BAC led in 13 and C in 6.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.