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Citigroup (C) vs. Wells Fargo (WFC)

This page compares Citigroup (C) with Wells Fargo (WFC) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Company Profile

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

SymbolCWFC
NameCitigroup Inc.Wells Fargo & Company
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupBanksBanks
GICS IndustryBanksBanks
GICS Sub-IndustryDiversified BanksDiversified Banks
Market Capitalization238.49 billion USD256.23 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJanuary 3, 1977June 1, 1972
Security TypeCommon StockCommon Stock

Valuation

Price-to-Earnings Ratio (TTM)

Wells Fargo (WFC) at 12.94 carries typical industry Price-to-Earnings Ratio (TTM), while Citigroup (C) at 17.28 sits in the higher-multiple quartile — C carries a higher trailing earnings multiple relative to peers.

C

Banks industry group

17.28

Max
21.53
Q3
15.41
Median
12.95
Q1
11.19
Min
6.13

WFC

Banks industry group

12.94

Max
21.53
Q3
15.41
Median
12.95
Q1
11.19
Min
6.13
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry group benchmark.

Price-to-Sales Ratio (TTM)

Price-to-Sales Ratio (TTM) isn’t a meaningful figure for either Citigroup (C) in Banks or Wells Fargo (WFC) in Banks under our convention.

C

Banks industry group

3.03

Max
6.07
Q3
4.43
Median
3.78
Q1
3.26
Min
1.78

WFC

Banks industry group

3.16

Max
6.07
Q3
4.43
Median
3.78
Q1
3.26
Min
1.78
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry group benchmark.

Price-to-Book Ratio (MRQ)

On Price-to-Book Ratio (MRQ), both Citigroup (C) at 1.25 and Wells Fargo (WFC) at 1.57 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
Q1
1.13
Min
0.64

WFC

Banks industry group

1.57

Max
2.22
Q3
1.58
Median
1.30
Q1
1.13
Min
0.64
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry group benchmark.

Valuation at a Glance

SymbolCWFC
Price-to-Earnings Ratio (TTM)17.2812.94
Price-to-Sales Ratio (TTM)3.033.16
Price-to-Book Ratio (MRQ)1.251.57
Free Cash Flow Yield----

Profitability

Return on Equity (TTM)

Wells Fargo (WFC) at 12.03% posts Return on Equity (TTM) around its industry mid-range, while Citigroup (C) at 7.65% drops into the bottom quartile.

C

Banks industry group

7.65%

Max
19.15%
Q3
13.07%
Median
10.82%
Q1
8.57%
Min
3.15%

WFC

Banks industry group

12.03%

Max
19.15%
Q3
13.07%
Median
10.82%
Q1
8.57%
Min
3.15%
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Return on Equity (TTM) against the Banks industry group benchmark.

Net Profit Margin (TTM)

Wells Fargo (WFC) at 26.74% 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%
Min
12.76%

WFC

Banks industry group

26.74%

Max
47.55%
Q3
34.61%
Median
30.31%
Q1
25.62%
Min
12.76%
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Net Profit Margin (TTM) against the Banks industry group benchmark.

Operating Profit Margin (TTM)

Operating Profit Margin (TTM) isn’t a meaningful figure for either Citigroup (C) in Banks or Wells Fargo (WFC) in Banks under our convention.

C

Banks industry group

34.08%

Max
65.49%
Q3
47.70%
Median
42.03%
Q1
35.73%
Min
22.32%

WFC

Banks industry group

29.45%

Max
65.49%
Q3
47.70%
Median
42.03%
Q1
35.73%
Min
22.32%
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Operating Profit Margin (TTM) against the Banks industry group benchmark.

Profitability at a Glance

SymbolCWFC
Return on Equity (TTM)7.65%12.03%
Return on Assets (TTM)0.61%1.05%
Net Profit Margin (TTM)20.36%26.74%
Operating Profit Margin (TTM)34.08%29.45%
Gross Profit Margin (TTM)0.00%0.00%

Growth

Revenue Growth

Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

SymbolCWFC
1-Year Revenue Growth5.63%1.70%
3-Year Revenue CAGR4.59%4.02%

EPS Growth

Citigroup (C) vs. Wells Fargo (WFC): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

SymbolCWFC
1-Year EPS Growth17.68%16.57%
3-Year EPS CAGR-0.05%25.86%

Financial Strength

Current Ratio (MRQ)

Current Ratio (MRQ) isn’t a meaningful figure for either Citigroup (C) in Banks or Wells Fargo (WFC) in Banks under our convention.

C

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--

WFC

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Current Ratio (MRQ). No industry group benchmark is available for either stock for this metric.

Debt-to-Equity Ratio (MRQ)

Debt-to-Equity Ratio (MRQ) isn’t a meaningful figure for either Citigroup (C) in Banks or Wells Fargo (WFC) in Banks under our convention.

C

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--

WFC

Banks industry group

--

Max
--
Q3
--
Median
--
Q1
--
Min
--
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Debt-to-Equity Ratio (MRQ). No industry group benchmark is available for either stock for this metric.

Financial Strength at a Glance

SymbolCWFC
Current Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Citigroup (C) at 1.72% and Wells Fargo (WFC) at 2.15% report Dividend Yield (TTM) near their industry mid-ranges, so neither company stands out strongly from peers on cash yield relative to share price.

C

Banks industry group

1.72%

Max
5.44%
Q3
3.24%
Median
2.58%
Q1
1.71%
Min
0.00%

WFC

Banks industry group

2.15%

Max
5.44%
Q3
3.24%
Median
2.58%
Q1
1.71%
Min
0.00%
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Dividend Yield (TTM) against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Both Citigroup (C) at 29.17% and Wells Fargo (WFC) at 27.05% maintain Dividend Payout Ratio (TTM) around their industries’ median — balanced dividend policy on both sides, returning cash while leaving part of reported earnings available for reinvestment or balance-sheet flexibility.

C

Banks industry group

29.17%

Max
74.88%
Q3
42.57%
Median
29.00%
Q1
19.94%
Min
0.00%

WFC

Banks industry group

27.05%

Max
74.88%
Q3
42.57%
Median
29.00%
Q1
19.94%
Min
0.00%
Citigroup (C) vs. Wells Fargo (WFC): A comparison of their Dividend Payout Ratio (TTM) against the Banks industry group benchmark.

Dividends at a Glance

SymbolCWFC
Dividend Yield (TTM)1.72%2.15%
Dividend Payout Ratio (TTM)29.17%27.05%

Performance & Risk

C
WFC
Loading price history…
Citigroup (C) vs. Wells Fargo (WFC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Performance & Risk at a Glance

SymbolCWFC
1-Year Return82.79%15.62%
1-Year Volatility28.43%26.77%
Beta1.110.92
3-Month Avg. Volume12.42M16.83M