Citigroup (C) vs Truist Financial (TFC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Citigroup (C) has outperformed Truist Financial (TFC) over the past year, gaining 30.2% versus a gain of 0.8%. Over five years, C leads with a +76.1% price change compared with -25.7% for TFC. Citigroup is the larger company by market cap ($212.12 billion vs $55.48 billion), about 3.8 times the size, while Truist Financial is growing revenue faster (+53.0% vs +5.6%).
On valuation, Truist Financial trades at a lower forward P/E (9.1x vs 9.8x for Citigroup). Truist Financial offers the higher dividend yield (4.58% vs 1.90%). Truist Financial converts more of its revenue into profit, with a net margin of 26.1% versus 16.8%.
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 | TFC |
|---|---|---|
| Share price | $126.45 | $45.42 |
| Market cap | $212.12B | $55.48B |
| 1-day change | -0.66% | -0.35% |
| YTD return | +9.11% | -7.38% |
| 1-year return | +30.18% | +0.84% |
| 5-year return | +76.12% | -25.69% |
| P/E ratio (TTM) | 13.66 | 10.44 |
| Forward P/E | 9.77 | 9.10 |
| EPS (TTM) | $9.26 | $4.35 |
| Dividend yield | 1.90% | 4.58% |
| Annual dividend | $2.40 | $2.08 |
| Revenue (latest FY) | $85.22B | $20.32B |
| Revenue growth (YoY) | +5.58% | +53.03% |
| Net income (latest FY) | $14.31B | $5.31B |
| Net margin | 16.79% | 26.12% |
| 52-week high | $147.96 | $56.20 |
| 52-week low | $93.66 | $40.78 |
| Distance from 52-week high | -14.54% | -19.19% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +20.80% | +19.59% |
| Average volume | 10.20M | 7.32M |
| Shares outstanding | 1.68B | 1.22B |
| Employees | 219,000 | 37,849 |
| 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
- Citigroup is about 3.8 times larger than Truist Financial by market value ($212.12B vs $55.48B).
- C has outperformed TFC by 29.3 percentage points over the past year.
- Citigroup trades at a higher earnings multiple (13.7x vs 10.4x trailing P/E).
- Truist Financial offers a meaningfully higher dividend yield (4.58% vs 1.90%).
- Truist Financial is more profitable, keeping 26.1 cents of every revenue dollar as net income versus 16.8 cents for Citigroup.
- Truist Financial grew revenue faster in its latest fiscal year (+53.03% 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 Truist Financial
TFC stock →Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking.
Finance · Major Banks · 37,849 employees
C vs TFC FAQ
Which is bigger, Citigroup or Truist Financial?
Citigroup (C) is larger, with a market capitalization of $212.12B compared with $55.48B for Truist Financial (TFC).
Which stock has performed better over the past year, C or TFC?
C returned +30.18% over the past 12 months, compared with +0.84% for TFC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, C or TFC?
TFC has the lower trailing P/E at 10.4, 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 Truist Financial?
Truist Financial has the higher yield at 4.58%, compared with 1.90% for Citigroup.
Are Citigroup and Truist Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.