C vs COF
Citigroup Inc. and Capital ONE Financial Corp., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | C | COF |
|---|---|---|
| Revenue | $85.2B | $53.4B |
| Net income | $14.3B | $2.5B |
| Gross margin | — | — |
| Net margin | 17.0% | 4.6% |
| Return on equity | 6.8% | 2.8% |
| Diluted EPS | $6.99 | $4.03 |
| Dividend / share | — | — |
| Payout ratio | 37.6% | 61.8% |
| Free cash flow | $-74.2B | $26.1B |
| Equity | $212.3B | $113.6B |
| Net debt / equity | 0.09× | −0.10× |
| Current ratio | — | — |
| Revenue CAGR 5y | 2.5% | 13.4% |
| Profit CAGR 5y | 5.3% | −2.0% |
C bills 1.6× the revenue of COF, and keeps more of each dollar of revenue as profit (17.0% against 4.6%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
Revenue by year
10 years side by side
| Fiscal year | C | COF |
|---|---|---|
| FY2025 | $85.2B | $53.4B |
| FY2024 | $80.7B | $39.1B |
| FY2023 | $78.1B | $36.8B |
| FY2022 | $75.3B | $34.2B |
| FY2021 | $71.9B | $30.4B |
| FY2020 | $75.5B | $28.5B |
| FY2019 | $75.1B | $28.6B |
| FY2018 | $72.9B | $28.1B |
| FY2017 | $72.4B | $27.2B |
| FY2016 | $70.8B | $25.5B |
Net income by year
Bottom line
| Fiscal year | C | COF |
|---|---|---|
| FY2025 | $14.3B | $2.5B |
| FY2024 | $12.7B | $4.8B |
| FY2023 | $9.2B | $4.9B |
| FY2022 | $14.8B | $7.4B |
| FY2021 | $22.0B | $12.4B |
| FY2020 | $11.0B | $2.7B |
| FY2019 | $19.4B | $5.5B |
| FY2018 | $18.0B | $6.0B |
| FY2017 | $-6.8B | $2.0B |
| FY2016 | $14.9B | $3.8B |