Citigroup Inc. (C)vsBlue Owl Capital Corporation (OBDC)
C
Citigroup Inc.
$135.13
+0.55%
FINANCIAL SERVICES · Cap: $240.84B
OBDC
Blue Owl Capital Corporation
$11.02
-2.48%
FINANCIAL SERVICES · Cap: $5.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 4315% more annual revenue ($78.73B vs $1.78B). C leads profitability with a 20.4% profit margin vs 20.2%. OBDC trades at a lower P/E of 16.0x. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
OBDC
Buy52
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 74.6%
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
ROE of 7.6% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
ROE of 4.7% — below average capital efficiency
Elevated debt levels
Weak financial health signals
Revenue declined 14.6%
Comparative Analysis Report
WallStSmart ResearchBull 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 15.9% demonstrates continued momentum.
Bull Case : OBDC
The strongest argument for OBDC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 20.2% and operating margin at 74.6%.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.55 is elevated, increasing financial risk.
Bear Case : OBDC
The primary concerns for OBDC are Return on Equity, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
C profiles as a growth stock while OBDC is a declining play — different risk/reward profiles.
C carries more volatility with a beta of 1.11 — expect wider price swings.
C is growing revenue faster at 15.9% — sustainability is the question.
OBDC generates stronger free cash flow (-29M), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 52/100), backed by strong 20.4% margins and 15.9% revenue growth. Both earn "Exceptional Buy" and "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.
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.
Blue Owl Capital Corporation
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Blue Owl Capital Corporation (OBDC) is a prominent alternative asset management firm focused on private credit and direct lending, catering specifically to institutional investors. With a commitment to delivering tailored investment solutions, the company fosters long-term partnerships across diverse sectors, ensuring alignment of interests with its clients. Backed by a strong portfolio and an adept management team, Blue Owl is well-equipped to seize market opportunities and expertly navigate the private capital landscape, all while maintaining a steadfast dedication to transparency and value creation, solidifying its status as a trusted leader in the investment arena.
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