Citigroup Inc. (C)vsRoyal Bank of Canada (RY)
C
Citigroup Inc.
$132.97
-2.36%
FINANCIAL SERVICES · Cap: $232.86B
RY
Royal Bank of Canada
$202.29
-0.95%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 22% more annual revenue ($81.71B vs $67.15B). RY leads profitability with a 33.9% profit margin vs 21.8%. C appears more attractively valued with a PEG of 0.63. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
RY
Buy63
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 36.2%
Earnings expanding 61.0% YoY
Keeps 22 of every $100 in revenue as profit
Growing faster than its price suggests
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 21.8% and operating margin at 36.2%. Revenue growth of 15.5% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : C
The primary concerns for C are Free Cash Flow, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.84 is elevated, increasing financial risk.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
C profiles as a growth stock while RY is a mature play — different risk/reward profiles.
C carries more volatility with a beta of 1.10 — expect wider price swings.
C is growing revenue faster at 15.5% — sustainability is the question.
C generates stronger free cash flow (-25.6B), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 63/100), backed by strong 21.8% margins and 15.5% 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.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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