Citigroup (C) vs Capital One Financial (COF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Citigroup (C) has outperformed Capital One Financial (COF) over the past year, gaining 30.2% versus a loss of 8.3%. Over five years, C leads with a +76.1% price change compared with +16.3% for COF. Citigroup is the larger company by market cap ($213.57 billion vs $120.19 billion), about 1.8 times the size, while Capital One Financial is growing revenue faster (+36.6% vs +5.6%).
On valuation, Capital One Financial trades at a lower forward P/E (8.2x vs 9.8x for Citigroup). Citigroup offers the higher dividend yield (1.89% vs 1.53%). Citigroup converts more of its revenue into profit, with a net margin of 16.8% versus 4.6%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | C | COF |
|---|---|---|
| Share price | $127.32 | $195.91 |
| Market cap | $213.57B | $120.19B |
| 1-day change | -0.93% | +0.05% |
| YTD return | +9.11% | -19.17% |
| 1-year return | +30.18% | -8.32% |
| 5-year return | +76.12% | +16.35% |
| P/E ratio (TTM) | 13.75 | 12.58 |
| Forward P/E | 9.83 | 8.24 |
| EPS (TTM) | $9.26 | $15.57 |
| Dividend yield | 1.89% | 1.53% |
| Annual dividend | $2.40 | $3.00 |
| Revenue (latest FY) | $85.22B | $53.43B |
| Revenue growth (YoY) | +5.58% | +36.62% |
| Net income (latest FY) | $14.31B | $2.45B |
| Net margin | 16.79% | 4.59% |
| 52-week high | $147.96 | $259.64 |
| 52-week low | $93.66 | $174.24 |
| Distance from 52-week high | -13.95% | -24.55% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.97% | +31.28% |
| Average volume | 10.22M | 3.70M |
| Shares outstanding | 1.68B | 613.48M |
| Employees | 219,000 | 78,400 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- C has outperformed COF by 38.5 percentage points over the past year.
- Citigroup is more profitable, keeping 16.8 cents of every revenue dollar as net income versus 4.6 cents for Capital One Financial.
- Capital One Financial grew revenue faster in its latest fiscal year (+36.62% vs +5.58%).
About Citigroup
C stock →Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S.
Finance · Major Banks · 219,000 employees
About Capital One Financial
COF stock →Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking.
Finance · Major Banks · 78,400 employees
C vs COF FAQ
Which is bigger, Citigroup or Capital One Financial?
Citigroup (C) is larger, with a market capitalization of $213.57B compared with $120.19B for Capital One Financial (COF).
Which stock has performed better over the past year, C or COF?
C returned +30.18% over the past 12 months, compared with -8.32% for COF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, C or COF?
COF has the lower trailing P/E at 12.6, versus 13.7 for C. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Citigroup or Capital One Financial?
Citigroup has the higher yield at 1.89%, compared with 1.53% for Capital One Financial.
Are Citigroup and Capital One Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.