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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 $361.5B against $206.7B — 1.7× the size. Bank of America Corporation trades at the lower P/E: 11.9× against 12.1×. Citigroup Inc. grew revenue faster over the last twelve months: 4.74% against −0.92%. Bank of America Corporation has the higher net margin (15.9% 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 (2.26% vs 1.99%). Across the 16 metrics below, Bank of America Corporation leads on 12 and Citigroup Inc. on 4.

Valuation

Metric BAC C Banks Diversified median
P/E 11.88 12.07 11.97
P/S 1.87 1.32 2.60
P/B 1.33 1.20 1.59
Price to free cash flow 3.85 n/m 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.42% 8.29% 8.36%
Free cash flow yield 25.96% (10.54%) 7.80%

Profitability

Metric BAC C Banks Diversified median
Gross margin 62.79% 52.85% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.88% 10.37% 18.44%
Free cash flow margin 0.00% 0.00% 0.00%
Return on equity 11.14% 9.40% 10.89%
Return on assets 0.90% 0.65% 0.76%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BAC C Banks Diversified median
Revenue growth (TTM) (0.92%) 4.74% 5.49%
EPS growth (last fiscal year) 18.69% 17.68% 18.19%
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 1.43
Current ratio 0.82 1.05 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BAC C Banks Diversified median
Dividend yield 2.26% 1.99% 2.29%
Payout ratio 0.27 0.23 0.27

Size

Metric BAC C Banks Diversified median
Market cap 361.53b 206.68b 201.23b

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