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Bank of America Corporation (BAC) vs Citigroup Inc. (C)

Bank of America Corporation and Citigroup Inc. are both Banks Diversified companies. Bank of America Corporation is the larger, with a market value of $343.4B against $198.7B — 1.7× the size. Citigroup Inc. trades at the lower P/E: 11.6× against 11.8×. Citigroup Inc. grew revenue faster over the last twelve months: 4.74% against −1.89%. Bank of America Corporation has the higher net margin (16.0% vs 10.4%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Bank of America Corporation yields more (2.32% vs 2.13%). Across the 17 metrics below, Bank of America Corporation leads on 11 and Citigroup Inc. on 6.

Valuation

Metric BAC C Banks Diversified median
P/E 11.76 11.62 11.69
P/S 1.84 1.26 2.57
P/B 1.30 1.15 1.53
Price to free cash flow 8.74 n/m 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 8.60% 8.55%
Free cash flow yield 11.44% (11.01%) 7.95%

Profitability

Metric BAC C Banks Diversified median
Gross margin 62.61% 52.85% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.03% 10.37% 18.44%
Free cash flow margin 21.55% 0.00% 0.00%
Return on equity 11.19% 9.40% 11.03%
Return on assets 0.90% 0.65% 0.80%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BAC C Banks Diversified median
Revenue growth (TTM) (1.89%) 4.74% 5.49%
EPS growth (last fiscal year) 18.69% 17.68% 19.95%
Revenue growth, 5-year CAGR 15.36% 13.63% 14.34%
Net income growth, 5-year CAGR 12.02% 5.68% 10.77%

Health

Metric BAC C Banks Diversified median
Debt to equity 1.07 1.63 1.10
Current ratio 0.82 1.05 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BAC C Banks Diversified median
Dividend yield 2.32% 2.13% 2.29%
Payout ratio 0.28 0.25 0.27

Size

Metric BAC C Banks Diversified median
Market cap 343.35b 198.69b 155.56b

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