Citigroup vs Capital One Financial
C and COF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How C and COF compare
Citigroup is the larger company, worth 1.6 times as much as Capital One Financial ($206B against $126B).
Capital One Financial grew revenue faster over the last twelve months (45.3% versus 10.2% for Citigroup).
Citigroup keeps more of each dollar of sales as profit, with a net margin of 19.5% compared with 17.0% at Capital One Financial.
Both pay dividends: Citigroup yields 2.0% and Capital One Financial 1.6%.
Capital One Financial scores higher on the StockData Score (12 against 11 for Citigroup), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | C | COF |
|---|---|---|
| Size and price | ||
| Market cap | $206B | $126B |
| Share price | $122.64 | $204.85 |
| Change, 1 year | 23.7% | −6.3% |
| Change, 5 years | 83.1% | 32.3% |
| Beta (5Y) | 1.16 | 1.30 |
| Employees | 226K | 76K |
| StockData Score | ||
| Total score | 11 | 12 (better) |
| Valuation score | 2 | 2 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 (better) | 1 |
| Health score | 4 | 4 |
| Dividend score | 2 | 3 (better) |
| Valuation | ||
| P/E | 13.3× | – |
| P/S | 2.3× | 2.0× (better) |
| P/B | 1.0× (better) | 1.1× |
| P/FCF | – | 4.2× |
| FCF yield | −11.9% | 23.6% (better) |
| Fair value | $114.77 | – |
| Margin of safety | −6.9% | – |
| Growth | ||
| Revenue growth (TTM) | 10.2% | 45.3% (better) |
| Revenue growth, 5Y average | 2.5% | 13.4% (better) |
| Net income growth (TTM) | 25.8% | – |
| EPS growth (TTM) | 36.8% | – |
| EPS growth, 5Y average | 8.2% (better) | −4.9% |
| Profitability | ||
| Net margin | 19.5% (better) | 17.0% |
| FCF margin | −26.8% | 47.9% (better) |
| Return on equity | 8.4% | 9.4% (better) |
| Financial health | ||
| Debt / equity | 0.33 (better) | 0.40 |
| Altman Z-score | 0.19 | 0.37 (better) |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.0% (better) | 1.6% |
| Payout ratio | 30.5% | 18.0% |
| Buyback yield | 9.6% (better) | 6.9% |
| Shareholder yield | 11.6% (better) | 8.4% |
| Ownership | ||
| Held by institutions | 79.8% | 87.7% |
| Held by insiders | 0.29% | 0.87% |
| Insider net buying, 12 months | −$23.0M (better) | −$65.6M |
| Superinvestors holding | 4 | 12 (better) |
| Short interest, % of float | 1.3% | 1.5% |
Go deeper
- C stock overview
- C income statement
- C valuation and score
- COF stock overview
- COF income statement
- COF valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.