C vs USB
Citigroup Inc. and US Bancorp \de\, side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | C | USB |
|---|---|---|
| Revenue | $85.2B | $28.7B |
| Net income | $14.3B | $7.6B |
| Gross margin | · | · |
| Net margin | 17.0% | 26.5% |
| Return on equity | 6.8% | 12.2% |
| Diluted EPS | $6.99 | $4.62 |
| Dividend / share | · | $2.04 |
| Payout ratio | 37.6% | 41.8% |
| Free cash flow | $-74.2B | · |
| Equity | $212.3B | $65.2B |
| Net debt / equity | 0.09× | 0.48× |
| Current ratio | · | · |
| Revenue CAGR 5y | 2.5% | · |
| Profit CAGR 5y | 5.3% | 8.8% |
C bills 3.0× the revenue of USB, and USB keeps more of each dollar of revenue as profit (26.5% 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 | USB |
|---|---|---|
| FY2025 | $85.2B | $28.7B |
| FY2024 | $80.7B | $27.5B |
| FY2023 | $78.1B | $28.1B |
| FY2022 | $75.3B | $24.3B |
| FY2018 | $72.9B | $22.6B |
| FY2017 | $72.4B | $21.9B |
| FY2016 | $70.8B | $21.3B |
| FY2015 | $76.4B | $20.3B |
| FY2014 | $77.2B | $20.2B |
| FY2013 | $76.7B | $19.6B |
Bottom line
| Fiscal year | C | USB |
|---|---|---|
| FY2025 | $14.3B | $7.6B |
| FY2024 | $12.7B | $6.3B |
| FY2023 | $9.2B | $5.4B |
| FY2022 | $14.8B | $5.8B |
| FY2018 | $18.0B | $7.1B |
| FY2017 | $-6.8B | $6.2B |
| FY2016 | $14.9B | $5.9B |
| FY2015 | $17.2B | $5.9B |
| FY2014 | $7.3B | $5.9B |
| FY2013 | $13.7B | $5.8B |
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$56,569,000,000 | C |
| FY2024 | +$53,267,000,000 | C |
| FY2023 | +$49,922,000,000 | C |
| FY2022 | +$51,036,000,000 | C |
| FY2018 | +$50,217,000,000 | C |
| FY2017 | +$50,542,000,000 | C |
| FY2016 | +$49,489,000,000 | C |
| FY2015 | +$56,048,000,000 | C |
| FY2014 | +$57,058,000,000 | C |
| FY2013 | +$57,122,000,000 | C |
| FY2012 | +$48,902,000,000 | C |
C has reported the higher revenue in every one of these 11 fiscal years. The gap has widened since the earliest year compared.
11 of 19 comparable fiscal years — a year missing data on either side is not counted.
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −9.6 pp | USB |
| FY2024 | −7.2 pp | USB |
| FY2023 | −7.4 pp | USB |
| FY2022 | −4.2 pp | USB |
| FY2018 | −6.7 pp | USB |
| FY2017 | −37.9 pp | USB |
| FY2016 | −6.7 pp | USB |
| FY2015 | −6.5 pp | USB |
| FY2014 | −19.6 pp | USB |
| FY2013 | −11.1 pp | USB |
| FY2012 | −15.8 pp | USB |
USB has kept the higher net margin in every one of these 11 fiscal years.
11 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 USB's over the 11 comparable fiscal years — 8.9 percentage points of standard deviation against 3.3.
11 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
USB led in net margin in every one of the 11 comparable fiscal years — a structural lead, not a recent swing.
11 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 USB's over the 19 comparable fiscal years — 6.9 percentage points of standard deviation against 2.5.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
USB led in return on equity in every one of the 19 comparable fiscal years — a structural lead, not a recent swing.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.