C vs WFC
Citigroup Inc. and Wells Fargo & Company, side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | C | WFC |
|---|---|---|
| Revenue | $85.2B | $83.7B |
| Net income | $14.3B | $21.3B |
| Gross margin | · | · |
| Net margin | 17.0% | 25.5% |
| Return on equity | 6.8% | 11.8% |
| Diluted EPS | $6.99 | $6.26 |
| Dividend / share | · | $1.70 |
| Payout ratio | 37.6% | 25.5% |
| Free cash flow | $-74.2B | · |
| Equity | $212.3B | $181.1B |
| Net debt / equity | 0.09× | 0.11× |
| Current ratio | · | · |
| Revenue CAGR 5y | 2.5% | 2.4% |
| Profit CAGR 5y | 5.3% | 44.6% |
C and WFC book revenue within 15% of each other, and WFC keeps more of each dollar of revenue as profit (25.5% 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 | WFC |
|---|---|---|
| FY2025 | $85.2B | $83.7B |
| FY2024 | $80.7B | $82.3B |
| FY2023 | $78.1B | $82.6B |
| FY2022 | $75.3B | $74.4B |
| FY2021 | $71.9B | $79.2B |
| FY2020 | $75.5B | $74.3B |
| FY2019 | $75.1B | $86.8B |
| FY2018 | $72.9B | $86.4B |
| FY2017 | $72.4B | $88.4B |
| FY2016 | $70.8B | $88.3B |
Bottom line
| Fiscal year | C | WFC |
|---|---|---|
| FY2025 | $14.3B | $21.3B |
| FY2024 | $12.7B | $19.7B |
| FY2023 | $9.2B | $19.1B |
| FY2022 | $14.8B | $13.7B |
| FY2021 | $22.0B | $22.1B |
| FY2020 | $11.0B | $3.4B |
| FY2019 | $19.4B | $19.7B |
| FY2018 | $18.0B | $22.4B |
| FY2017 | $-6.8B | $22.2B |
| FY2016 | $14.9B | $21.9B |
10 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$1,526,000,000 | C |
| FY2024 | −$1,574,000,000 | WFC |
| FY2023 | −$4,531,000,000 | WFC |
| FY2022 | +$970,000,000 | C |
| FY2021 | −$7,282,000,000 | WFC |
| FY2020 | +$1,237,000,000 | C |
| FY2019 | −$11,765,000,000 | WFC |
| FY2018 | −$13,554,000,000 | WFC |
| FY2017 | −$15,945,000,000 | WFC |
| FY2016 | −$17,470,000,000 | WFC |
The higher-revenue side has changed between C and WFC over this period. The gap has narrowed since the earliest year compared.
10 of 19 comparable fiscal years — a year missing data on either side is not counted.
10 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −8.5 pp | WFC |
| FY2024 | −8.1 pp | WFC |
| FY2023 | −11.0 pp | WFC |
| FY2022 | +1.8 pp | C |
| FY2021 | +0.6 pp | C |
| FY2020 | +9.8 pp | C |
| FY2019 | +2.9 pp | C |
| FY2018 | −1.7 pp | WFC |
| FY2017 | −34.4 pp | WFC |
| FY2016 | −3.7 pp | WFC |
The higher net margin has changed hands between C and WFC over this period.
10 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 WFC's over the 10 comparable fiscal years — 10.4 percentage points of standard deviation against 6.5.
10 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 WFC over these 10 fiscal years — C led in 4 and WFC in 6.
10 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 WFC's over the 19 comparable fiscal years — 6.9 percentage points of standard deviation against 3.3.
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 WFC over these 19 fiscal years — C led in 1 and WFC in 18.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.