C vs. LYG: Citigroup vs. Lloyds Banking Stock Comparison

Company Profile

Citigroup (C) and Lloyds Banking (LYG) 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 Lloyds Banking (LYG) 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

Lloyds Banking (LYG) at 13.69% sits in the top ROE quartile, while Citigroup (C) at 9.35% is in the bottom quartile, showing a clear gap in returns on equity.

Lloyds Banking (LYG) at 30.61% 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 Lloyds Banking (LYG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Lloyds Banking (LYG) at 7.66% is around its peer norm for revenue growth, while Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Citigroup (C) at 17.68% and Lloyds Banking (LYG) at 11.29% 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 Lloyds Banking (LYG) 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 Lloyds Banking (LYG) 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 a yield in its industry’s typical range, while Lloyds Banking (LYG) at 0.77% falls in the bottom quartile of its peers.

Citigroup (C) at 24.07% pays out a band-typical share of earnings, while Lloyds Banking (LYG) at 41.85% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 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 LYG, though growth and earnings durability still matter.

P/S ratio is set aside for both Citigroup (C) in Banks and Lloyds Banking (LYG) 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 sits in the lower P/B ratio quartile against book while Lloyds Banking (LYG) at 1.19 is valued near its industry’s middle — C is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics