Bank of America vs Citigroup: Business Model & Financial Comparison 2026
Bank of America · Financial Services / Banks - Diversified·Citigroup · Financial Services / Banks - Diversified
Financial Comparison
| Metric | BACBank of America | CCitigroup |
|---|---|---|
| Market Cap | $341.17B | $184.89B |
| Revenue (TTM) | $107.42B | $75.72B |
| Revenue Growth | 7.2% | 4.4% |
| Gross Margin | 0.0% | 0.0% |
| Operating Margin | 41.6% | 25.7% |
| Net Margin | 28.4% | 18.9% |
| Return on Equity | 10.2% | 6.8% |
| P/E (Trailing) | 12.3x | 15.1x |
| P/E (Forward) | 9.4x | 8.7x |
| Free Cash Flow | N/A | N/A |
| Cash | $770.16B | $989.68B |
| Total Debt | $767.07B | $777.18B |
Data sourced from Yahoo Finance. Green highlights indicate better performance for that metric. Use the interactive tool for real-time data.
Business Model Comparison
Bank of America
Bank of America Corporation stands as a leading company in Financial Services. Generating $107.42 billion in annual revenue (growing 7.2% year-over-year) and carrying a market capitalization of $363.74 billion, the company has cemented its position as a foundational player in the global Banks - Diversified landscape. Under the leadership of its leadership team, Bank of America Corporation continues to execute on a multi-year strategic vision that…
Full Bank of America analysis →Citigroup
Citigroup Inc. stands as a leading company in Financial Services. Generating $75.72 billion in annual revenue (growing 4.4% year-over-year) and carrying a market capitalization of $190.59 billion, the company has cemented its position as a foundational player in the global Banks - Diversified landscape. Under the leadership of its leadership team, Citigroup Inc. continues to execute on a multi-year strategic vision that balances growth investment…
Full Citigroup analysis →SWOT Analysis Comparison
- With a market capitalization of $363.74B, Bank of America Corporation is one of the largest companies in its sector, providing the scale advantages of brand recognition, supplier leverage, and capital
- With a market capitalization of $190.59B, Citigroup Inc. is one of the largest companies in its sector, providing the scale advantages of brand recognition, supplier leverage, and capital access that
- With 213,000 employees globally, Bank of America Corporation faces inherent challenges in agility, decision-making speed, and maintaining a consistent culture across geographies — advantages that smal
- Revenue growth of 4.4% is below what growth investors typically seek, suggesting market saturation in core businesses or increasing competitive pressure.
- With 226,000 employees globally, Citigroup Inc. faces inherent challenges in agility, decision-making speed, and maintaining a consistent culture across geographies — advantages that smaller, nimbler
- Bank of America Corporation operates in the Banks - Diversified segment of the broader Financial Services sector, which represents a $26.5 trillion global financial services market by 2028. Even modes
- Emerging markets — particularly India (1.4B people, rapidly growing middle class), Southeast Asia (700M people), and Sub-Saharan Africa — represent significant untapped addressable markets for Bank of
- Earnings growth of 21.2% YoY demonstrates Bank of America Corporation's ability to convert revenue growth into shareholder value. Analysts project continued earnings expansion driven by operating leve
- Citigroup Inc. operates in the Banks - Diversified segment of the broader Financial Services sector, which represents a $26.5 trillion global financial services market by 2028. Even modest share gains
- Emerging markets — particularly India (1.4B people, rapidly growing middle class), Southeast Asia (700M people), and Sub-Saharan Africa — represent significant untapped addressable markets for Citigro
- With $989.68B in cash and strong free cash flow generation, Citigroup Inc. is well-positioned to pursue strategic acquisitions that expand its capabilities, customer base, or geographic reach.
- Global economic slowdowns, inflation, or rising interest rates can reduce consumer and enterprise spending. Bank of America Corporation's revenue is not fully insulated from macroeconomic cycles, and
- Increasing government regulation — particularly data privacy laws (GDPR, CCPA), antitrust enforcement, and trade restrictions — poses compliance costs and potential restrictions on Bank of America Cor
- Competition for skilled technology, engineering, and management talent remains intense. High employee turnover or inability to attract top talent could slow innovation and execution — particularly cri
- Global economic slowdowns, inflation, or rising interest rates can reduce consumer and enterprise spending. Citigroup Inc.'s revenue is not fully insulated from macroeconomic cycles, and a recession s
- Increasing government regulation — particularly data privacy laws (GDPR, CCPA), antitrust enforcement, and trade restrictions — poses compliance costs and potential restrictions on Citigroup Inc.'s bu
- Competition for skilled technology, engineering, and management talent remains intense. High employee turnover or inability to attract top talent could slow innovation and execution — particularly cri
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Open Comparison ToolBank of America vs Citigroup: FAQ
- Is Bank of America bigger than Citigroup?
- By market capitalization, Bank of America is larger at $341.17B vs Citigroup's $184.89B.
- Which has better profit margins — Bank of America or Citigroup?
- Bank of America has higher net profit margins (28.4%) compared to Citigroup (18.9%). Gross and operating margins are compared in the table above.
- What sectors do Bank of America and Citigroup operate in?
- Bank of America operates in the Financial Services sector (Banks - Diversified). Citigroup operates in the Financial Services sector (Banks - Diversified).
- How does Bank of America's revenue compare to Citigroup's?
- Bank of America generates $107.42B in annual revenue (TTM) while Citigroup generates $75.72B. Bank of America is the larger company by revenue as of 2026.