C vs. TD: Citigroup vs. Toronto-Dominion Bank Stock Comparison
How do Citigroup (C) and Toronto-Dominion Bank (TD) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Citigroup (C) and Toronto-Dominion Bank (TD) 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 | TD |
|---|---|---|
| Name | Citigroup Inc. | The Toronto-Dominion Bank |
| Country/Region | United States | Canada |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 244.00 billion USD | 197.07 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 3, 1977 | August 30, 1996 |
| Security Type | Common Stock | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | C | TD |
|---|---|---|
| Total Return (1Y) | 86.73% | 70.40% |
Risk
Drawdown
Risk at a Glance
| Metric | C | TD |
|---|---|---|
| Volatility (1Y, Annualized) | 28.23% | 16.70% |
| Beta (5Y) | 1.11 | 0.72 |
| Avg. Volume (3M) | 12.65M | 2.39M |
Profitability
ROE (TTM)
Toronto-Dominion Bank (TD) at 11.91% 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%
TD
Banks industry group
11.91%
- Max
- 19.15%
- Q3
- 13.07%
- TD
- 11.91%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
Both Citigroup (C) at 20.36% and Toronto-Dominion Bank (TD) at 25.19% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.
C
Banks industry group
20.36%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- C
- 20.36%
- Min
- 12.76%
TD
Banks industry group
25.19%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- TD
- 25.19%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citigroup (C) in Banks and Toronto-Dominion Bank (TD) 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 | TD |
|---|---|---|
| ROE (TTM) | 7.65% | 11.91% |
| ROA (TTM) | 0.61% | 0.72% |
| Net Margin (TTM) | 20.36% | 25.19% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | C | TD |
|---|---|---|
| Revenue Growth (YoY) | 5.63% | 8.93% |
| Revenue Growth (3Y CAGR) | 4.59% | 10.22% |
EPS Growth
EPS Growth at a Glance
| Metric | C | TD |
|---|---|---|
| EPS Growth (YoY) | 17.68% | 144.92% |
| EPS Growth (3Y CAGR) | -0.05% | 6.87% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citigroup (C) in Banks and Toronto-Dominion Bank (TD) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Citigroup (C) in Banks and Toronto-Dominion Bank (TD) 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 | TD |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toronto-Dominion Bank (TD) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Citigroup (C) reports a yield of 1.68%, ranking against industry peers normally.
C
Banks industry group
1.68%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- C
- 1.68%
- Q1
- 0.00%
- Min
- 0.00%
TD
Banks industry group
0.00%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- TD
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Dividend policy can be sized up on one side only: Citigroup (C) pays out 29.17% of earnings, measured against its industry’s payout band; Toronto-Dominion Bank (TD) shows no payout ratio this period.
C
Banks industry group
29.17%
- Max
- 67.80%
- Q3
- 42.56%
- C
- 29.17%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
TD
Banks industry group
--
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
- TD
- --
Dividends at a Glance
| Metric | C | TD |
|---|---|---|
| Dividend Yield (TTM) | 1.68% | 0.00% |
| Dividend Payout Ratio (TTM) | 29.17% | -- |
Valuation
P/E Ratio (TTM)
Both Citigroup (C) at 17.68 and Toronto-Dominion Bank (TD) at 19.56 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.
C
Banks industry group
17.68
- Max
- 20.85
- C
- 17.68
- Q3
- 15.27
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
TD
Banks industry group
19.56
- Max
- 20.85
- TD
- 19.56
- Q3
- 15.27
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
P/S Ratio (TTM)
P/S ratio is set aside for both Citigroup (C) in Banks and Toronto-Dominion Bank (TD) 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.
P/B Ratio (MRQ)
Citigroup (C) at 1.27 sits near its industry’s typical P/B ratio, while Toronto-Dominion Bank (TD) at 2.24 prices above its benchmark range — TD looks rich relative to book.
C
Banks industry group
1.27
- Max
- 2.23
- Q3
- 1.56
- C
- 1.27
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
TD
Banks industry group
2.24
- TD
- 2.24
- Max
- 2.23
- Q3
- 1.56
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Valuation at a Glance
| Metric | C | TD |
|---|---|---|
| P/E Ratio (TTM) | 17.68 | 19.56 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.27 | 2.24 |
| Free Cash Flow Yield (TTM) | -- | -- |