BlackRock Inc (BLK)vsCitigroup Inc. (C)
BLK
BlackRock Inc
$1,084.83
+1.60%
FINANCIAL SERVICES · Cap: $165.75B
C
Citigroup Inc.
$125.55
-2.74%
FINANCIAL SERVICES · Cap: $225.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 207% more annual revenue ($78.73B vs $25.64B). BLK leads profitability with a 24.4% profit margin vs 20.4%. C appears more attractively valued with a PEG of 0.71. C earns a higher WallStSmart Score of 82/100 (A-).
BLK
Strong Buy78
out of 100
Grade: B+
C
Exceptional Buy82
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 35.6%
Large-cap with strong market position
Keeps 24 of every $100 in revenue as profit
Revenue surging 27.0% year-over-year
Earnings expanding 45.9% YoY
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
Moderate valuation
Weak financial health signals
Negative free cash flow — burning cash
ROE of 7.7% — below average capital efficiency
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : BLK
The strongest argument for BLK centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 35.6%. Revenue growth of 27.0% demonstrates continued momentum.
Bull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 16.9% demonstrates continued momentum.
Bear Case : BLK
The primary concerns for BLK are P/E Ratio, Piotroski F-Score, Free Cash Flow.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
BLK carries more volatility with a beta of 1.46 — expect wider price swings.
BLK is growing revenue faster at 27.0% — sustainability is the question.
BLK generates stronger free cash flow (-1.1B), providing more financial flexibility.
Monitor ASSET MANAGEMENT industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (82/100 vs 78/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
BlackRock Inc
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
BlackRock, Inc. is an American multinational investment management corporation based in New York City.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
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