C vs WFC: Citigroup and Wells Fargo & compared
The short version
From the latest prices and each company's SEC filings. Who's ahead on each measure, not which to buy.
- Wells Fargo & is the larger company, worth $259.2B, close to Citigroup's $219.9B.
- Wells Fargo & grew revenue faster over the last year (+8.6% vs +2.1%).
- On earnings, Wells Fargo & is the cheaper stock (13.1x vs 16.0x).
Side by side
The stronger figure is shaded where higher (or, for valuation multiples, lower) reads as better. How the implied growth works.
| Measure | C | WFC |
|---|---|---|
| Market cap | $219.9B | $259.2B |
| Share price | $129.64 | $83.55 |
| Revenue (last fiscal year) | $85.2B | $83.7B |
| Free cash flow (last fiscal year) | -$74.2B | — |
| Revenue growth, last year | +2.1% | +8.6% |
| Revenue growth per year, last 5 fiscal years | +4.3% | +1.4% |
| Operating margin | — | — |
| Net margin | 16.8% | 26.1% |
| Return on equity | 6.7% | 12.6% |
| P/E (trailing) | 16.0x | 13.1x |
| Price / free cash flow | 10.6x | — |
| EV / EBITDA | 0.42x | 8.10x |
| FCF growth the price implies | — | — |
| Dividend yield | 1.8% | 2.1% |
| Debt / equity | 11.5x | 11.7x |
| Fundamental grade | D | C |
| Superinvestors holding it | 17 | 19 |
| Insider purchases, last 12 months | 10 | 6 |
Results from SEC filings
Revenue and free cash flow by fiscal year, from each company's 10-K filings.
Citigroup
| Year | Revenue | Free cash flow | Op. margin |
|---|---|---|---|
| 2021 | $71.9B | $43.0B | — |
| 2022 | $75.3B | $19.4B | — |
| 2023 | $78.1B | -$80.0B | — |
| 2024 | $80.7B | -$26.2B | — |
| 2025 | $85.2B | -$74.2B | — |
Wells Fargo &
| Year | Revenue | Free cash flow | Op. margin |
|---|---|---|---|
| 2021 | $79.2B | — | — |
| 2022 | $74.4B | — | — |
| 2023 | $82.6B | — | — |
| 2024 | $82.3B | — | — |
| 2025 | $83.7B | — | — |
Where the revenue comes from
Citigroup · by segments, 2025
Markets$22.0B27%
Services$21.3B26%
USPB$21.0B26%
Wealth$8.6B11%
Banking$8.2B10%
Wells Fargo & · by segments, 2025
Consumer Banking and Lending$37.4B44%
Corporate and Investment Banking$19.2B23%
Wealth Management$16.3B19%
Commercial Banking$12.0B14%
Compare them in fullFifteen years of statements, quarterly results, DCF and IRR models, and any number of peers side by side.
Open C in InvestinglyQuestions
Which is bigger, Citigroup or Wells Fargo &?
Wells Fargo & (WFC), at $259.2B against $219.9B.
Is C or WFC cheaper?
By trailing P/E, Wells Fargo & (13.1x) is cheaper than Citigroup (16.0x). A lower multiple can also mean the market expects less growth.
Which grows faster, C or WFC?
Wells Fargo &: revenue grew +8.6% over the last year, against +2.1%.
Prices and ratios as of the last daily update; statements from SEC filings. Information only, not investment advice.