C vs USB
Citigroup Inc. and US Bancorp \de\, side by side — 10 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | C | USB |
|---|---|---|
| Revenue | $85.2B | $28.7B |
| Net income | $14.3B | $7.6B |
| Gross margin | 76.8% | — |
| Net margin | 16.8% | 26.4% |
| 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 (26.4% against 16.8%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
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 |
Net income by year
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 |
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