Head-to-head · free
Bank of America Corporation vs Citigroup Inc.
BAC vs C — return on capital, cash generation, margins and balance sheet side by side.
BAC
6 / 7
measures where BAC leads
C
1 / 7
measures where C leads
A simple count of which company scores better on each measure — not a recommendation to buy or sell.
| Measure | BAC · FY2025 | C · FY2025 |
|---|---|---|
| Revenue | $191.6B | $168.3B |
| Net income | $30.5B | $14.3B |
| Revenue growth (yearly, multi-year) | 19.5% | 20.5% |
| Free cash flow | $12.6B | (74.2B) |
| Free cash flow margin | 6.6% | -44.1% |
| Net cash / (debt) | (134.1B) | (366.2B) |
| ROIC | — | — |
| Return on equity | 10.6% | 6.9% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net debt / EBITDA | — | — |
Figures are as reported by each company; latest fiscal year shown.
Where Bank of America Corporation's cash went (FY2025)
- Capital spending
- $0
- Buybacks
- $24.1B
- Dividends
- $9.6B
- Acquisitions
- $0
- Net debt issued / (repaid)
- $45.5B
Where Citigroup Inc.'s cash went (FY2025)
- Capital spending
- $6.5B
- Buybacks
- $18.3B
- Dividends
- $5.4B
- Acquisitions
- $0
- Net debt issued / (repaid)
- $22.1B
Ask which business is stronger
"Which one reinvests at higher returns?" "Who carries more risk in its filings?" Get answers drawn straight from both companies' filings.
Compare them free