C vs. ITUB: Citigroup vs. Itaú Unibanco Stock Comparison

Company Profile

Citigroup (C) and Itaú Unibanco (ITUB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Citigroup (C) trades as ordinary local shares, while Itaú Unibanco (ITUB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Itaú Unibanco (ITUB) at 20.96% delivers above-range ROE, while Citigroup (C) at 9.35% falls into the bottom quartile — a wide split in profit generated from equity.

Itaú Unibanco (ITUB) at 32.46% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 23.21% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Citigroup (C) in Banks and Itaú Unibanco (ITUB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Citigroup (C) at 5.63% and Itaú Unibanco (ITUB) at 4.21% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both Citigroup (C) at 17.68% and Itaú Unibanco (ITUB) at 9.21% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citigroup (C) in Banks and Itaú Unibanco (ITUB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Citigroup (C) in Banks and Itaú Unibanco (ITUB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Citigroup (C) at 2.09% pays an industry-typical yield; Itaú Unibanco (ITUB) at 40.54% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Citigroup (C) at 24.07% pays out a band-typical share of earnings, while Itaú Unibanco (ITUB) at 70.75% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Itaú Unibanco (ITUB) at 9.12 sits in the cheaper P/E ratio quartile, while Citigroup (C) at 11.60 is closer to its industry’s usual earnings multiple — a discount for ITUB, though growth and earnings durability still matter.

P/S ratio is set aside for both Citigroup (C) in Banks and Itaú Unibanco (ITUB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Citigroup (C) at 1.03 looks cheap against book in the lower P/B ratio quartile, while Itaú Unibanco (ITUB) at 1.79 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics