C vs PNC
Citigroup Inc. and PNC Financial Services Group, Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | C | PNC |
|---|---|---|
| Revenue | $85.2B | $23.1B |
| Net income | $14.3B | $7.0B |
| Gross margin | · | · |
| Net margin | 17.0% | 30.3% |
| Return on equity | 6.8% | 12.2% |
| Diluted EPS | $6.99 | $16.59 |
| Dividend / share | · | $6.60 |
| Payout ratio | 37.6% | 37.7% |
| Free cash flow | $-74.2B | · |
| Equity | $212.3B | $60.6B |
| Net debt / equity | 0.09× | 0.29× |
| Current ratio | · | · |
| Revenue CAGR 5y | 2.5% | 6.4% |
| Profit CAGR 5y | 5.3% | −1.5% |
C bills 3.7× the revenue of PNC, and PNC keeps more of each dollar of revenue as profit (30.3% 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 | C | PNC |
|---|---|---|
| FY2025 | $85.2B | $23.1B |
| FY2024 | $80.7B | $21.6B |
| FY2023 | $78.1B | $21.5B |
| FY2022 | $75.3B | $21.1B |
| FY2021 | $71.9B | $19.2B |
| FY2020 | $75.5B | $16.9B |
| FY2019 | $75.1B | $16.8B |
| FY2018 | $72.9B | $16.2B |
| FY2017 | $72.4B | $16.3B |
| FY2016 | $70.8B | $15.2B |
Bottom line
| Fiscal year | C | PNC |
|---|---|---|
| FY2025 | $14.3B | $7.0B |
| FY2024 | $12.7B | $6.0B |
| FY2023 | $9.2B | $5.6B |
| FY2022 | $14.8B | $6.1B |
| FY2021 | $22.0B | $5.7B |
| FY2020 | $11.0B | $7.6B |
| FY2019 | $19.4B | $5.4B |
| FY2018 | $18.0B | $5.3B |
| FY2017 | $-6.8B | $5.4B |
| FY2016 | $14.9B | $4.0B |
19 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$62,126,000,000 | C |
| FY2024 | +$59,167,000,000 | C |
| FY2023 | +$56,576,000,000 | C |
| FY2022 | +$54,218,000,000 | C |
| FY2021 | +$52,673,000,000 | C |
| FY2020 | +$58,600,000,000 | C |
| FY2019 | +$58,228,000,000 | C |
| FY2018 | +$56,664,000,000 | C |
| FY2017 | +$56,115,000,000 | C |
| FY2016 | +$55,635,000,000 | C |
| FY2015 | +$61,129,000,000 | C |
| FY2014 | +$61,844,000,000 | C |
| FY2013 | +$60,712,000,000 | C |
| FY2012 | +$53,678,000,000 | C |
| FY2011 | +$63,005,000,000 | C |
| FY2010 | +$71,425,000,000 | C |
| FY2009 | +$64,057,000,000 | C |
| FY2008 | +$45,303,000,000 | C |
| FY2007 | +$71,409,000,000 | C |
C has reported the higher revenue in every one of these 19 fiscal years. The gap has narrowed 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 | −13.3 pp | PNC |
| FY2024 | −11.7 pp | PNC |
| FY2023 | −14.3 pp | PNC |
| FY2022 | −9.1 pp | PNC |
| FY2021 | +0.8 pp | C |
| FY2020 | −30.0 pp | PNC |
| FY2019 | −6.2 pp | PNC |
| FY2018 | −8.2 pp | PNC |
| FY2017 | −42.3 pp | PNC |
| FY2016 | −5.1 pp | PNC |
| FY2015 | −4.5 pp | PNC |
| FY2014 | −17.6 pp | PNC |
| FY2013 | −8.2 pp | PNC |
| FY2012 | −8.1 pp | PNC |
| FY2011 | −6.9 pp | PNC |
| FY2010 | −9.8 pp | PNC |
| FY2009 | −16.7 pp | PNC |
| FY2008 | −68.8 pp | PNC |
| FY2007 | −20.3 pp | PNC |
The higher net margin has changed hands between C and PNC 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 PNC's over the 19 comparable fiscal years — 18.0 percentage points of standard deviation against 6.7.
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 C and PNC over these 19 fiscal years — C led in 1 and PNC in 18.
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 PNC's over the 19 comparable fiscal years — 6.9 percentage points of standard deviation against 2.1.
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 C and PNC over these 19 fiscal years — C led in 1 and PNC in 18.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.