C vs. PNC: Citigroup vs. PNC Financial Services Stock Comparison
This page compares Citigroup (C) with PNC Financial Services (PNC) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | C | PNC |
|---|---|---|
| 1-Year Return | 82.79% | 38.21% |
Risk
Drawdown
Risk at a Glance
| Metric | C | PNC |
|---|---|---|
| 1-Year Volatility | 28.43% | 21.70% |
| Beta | 1.11 | 0.91 |
| 3-Month Avg. Volume | 12.42M | 2.11M |
Company Profile
Citigroup (C) and PNC Financial Services (PNC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | C | PNC |
|---|---|---|
| Name | Citigroup Inc. | The PNC Financial Services Group, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 238.49 billion USD | 95.44 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 3, 1977 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Valuation
Price-to-Earnings Ratio (TTM)
PNC Financial Services (PNC) at 13.81 is near its industry’s usual P/E ratio, while Citigroup (C) at 17.28 sits in the richer quartile — C needs stronger growth or earnings quality to justify the premium.
C
Banks industry group
17.28
- Max
- 21.53
- C
- 17.28
- Q3
- 15.41
- Median
- 12.95
- Q1
- 11.19
- Min
- 6.13
PNC
Banks industry group
13.81
- Max
- 21.53
- Q3
- 15.41
- PNC
- 13.81
- Median
- 12.95
- Q1
- 11.19
- Min
- 6.13
Price-to-Sales Ratio (TTM)
P/S ratio is set aside for both Citigroup (C) in Banks and PNC Financial Services (PNC) 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.
Price-to-Book Ratio (MRQ)
On P/B ratio, both Citigroup (C) at 1.25 and PNC Financial Services (PNC) at 1.50 are valued close to their industries’ norm against book — neither stands out from peers.
C
Banks industry group
1.25
- Max
- 2.22
- Q3
- 1.58
- Median
- 1.30
- C
- 1.25
- Q1
- 1.13
- Min
- 0.64
PNC
Banks industry group
1.50
- Max
- 2.22
- Q3
- 1.58
- PNC
- 1.50
- Median
- 1.30
- Q1
- 1.13
- Min
- 0.64
Valuation at a Glance
| Metric | C | PNC |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 17.28 | 13.81 |
| Price-to-Sales Ratio (TTM) | -- | -- |
| Price-to-Book Ratio (MRQ) | 1.25 | 1.50 |
| Free Cash Flow Yield | -- | -- |
Profitability
Return on Equity (TTM)
PNC Financial Services (PNC) at 12.10% is around its peer norm for ROE, while Citigroup (C) at 7.65% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
C
Banks industry group
7.65%
- Max
- 19.15%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- C
- 7.65%
- Min
- 3.15%
PNC
Banks industry group
12.10%
- Max
- 19.15%
- Q3
- 13.07%
- PNC
- 12.10%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Profit Margin (TTM)
PNC Financial Services (PNC) at 31.31% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 20.36% retains only a bottom-quartile share.
C
Banks industry group
20.36%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- C
- 20.36%
- Min
- 12.76%
PNC
Banks industry group
31.31%
- Max
- 47.55%
- Q3
- 34.61%
- PNC
- 31.31%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
Operating Profit Margin (TTM)
Neither side reports a meaningful operating margin: for Citigroup (C) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability at a Glance
| Metric | C | PNC |
|---|---|---|
| Return on Equity (TTM) | 7.65% | 12.10% |
| Return on Assets (TTM) | 0.61% | 1.26% |
| Net Profit Margin (TTM) | 20.36% | 31.31% |
| Operating Profit Margin (TTM) | -- | -- |
| Gross Profit Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | C | PNC |
|---|---|---|
| 1-Year Revenue Growth | 5.63% | 10.90% |
| 3-Year Revenue CAGR | 4.59% | 3.01% |
EPS Growth
EPS Growth at a Glance
| Metric | C | PNC |
|---|---|---|
| 1-Year EPS Growth | 17.68% | 20.74% |
| 3-Year EPS CAGR | -0.05% | 6.20% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citigroup (C) in Banks and PNC Financial Services (PNC) 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 (MRQ)
debt-to-equity ratio is set aside for both: Citigroup (C) in Banks and PNC Financial Services (PNC) 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 at a Glance
| Metric | C | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citigroup (C) at 1.72% and PNC Financial Services (PNC) at 2.86% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
C
Banks industry group
1.72%
- Max
- 5.44%
- Q3
- 3.24%
- Median
- 2.58%
- C
- 1.72%
- Q1
- 1.71%
- Min
- 0.00%
PNC
Banks industry group
2.86%
- Max
- 5.44%
- Q3
- 3.24%
- PNC
- 2.86%
- Median
- 2.58%
- Q1
- 1.71%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Citigroup (C) at 29.17% and PNC Financial Services (PNC) at 38.93% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
C
Banks industry group
29.17%
- Max
- 74.88%
- Q3
- 42.57%
- C
- 29.17%
- Median
- 29.00%
- Q1
- 19.94%
- Min
- 0.00%
PNC
Banks industry group
38.93%
- Max
- 74.88%
- Q3
- 42.57%
- PNC
- 38.93%
- Median
- 29.00%
- Q1
- 19.94%
- Min
- 0.00%
Dividends at a Glance
| Metric | C | PNC |
|---|---|---|
| Dividend Yield (TTM) | 1.72% | 2.86% |
| Dividend Payout Ratio (TTM) | 29.17% | 38.93% |