Citigroup vs Capital One Financial (C vs COF)
Side by side from their SEC filings: revenue, margins, growth, returns and valuation, plus short interest, insider activity and institutional ownership.
Citigroup is the larger company by revenue ($85.2B vs $53.4B) and market value ($240.1B vs $124.1B). Capital One Financial has grown revenue faster over the last 4 fiscal years (+75.6% cumulative vs +18.6%). Citigroup trades at the lower trailing P/E (17.4x vs 62.2x).
About Citigroup
Citigroup Inc provides a range of financial services including banking, markets, and wealth management. The company serves individual consumers, businesses, and institutional clients with products such as consumer banking, commercial loans, investment banking, and advisory services. It operates through various segments including consumer banking, markets, services, and wealth management.
About Capital One Financial
Capital One Financial Corporation is a diversified financial services company that operates as a global payments provider and financial institution. It offers a range of products including credit cards, debit cards, bank lending, treasury management, auto loans, and other consumer lending services primarily in the United States. The company serves consumers, small businesses, and commercial clients through digital channels, branch locations, cafés, call centers, and ATMs.
Head to head (C FY2025 vs COF FY2025)
| Metric | CFY2025 | COFFY2025 |
|---|---|---|
| Revenue | $85.22B | $53.43B |
| Revenue growth (YoY) | 5.6% | 36.6% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 16.8% | 4.6% |
| Net income | $14.31B | $2.45B |
| Diluted EPS | $6.99 | $4.03 |
| FCF margin | -87.0% | 48.9% |
| ROE | 6.7% | 2.2% |
| Debt / equity | 1.5× | 0.4× |
| Market cap | $240.13B | $124.14B |
| P/E (TTM) | 17.4× | 62.2× |
Fundamentals are from each company’s SEC filings (C FY2025, COF FY2025). P/E and market cap are derived from recent market prices and update daily.
Five-year trend (as reported)
| Revenue | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| C | $71.88B | $75.34B | $78.07B | $80.72B | $85.22B |
| COF | $30.43B | $34.25B | $36.79B | $39.11B | $53.43B |
Peer standing
Where each company ranks among the 76 banks, on the same scale. Each figure is ranked only against peers that report it. Percentiles describe position in the distribution, not a rating.
| Metric | C | COF |
|---|---|---|
| Net margin | 16.8%5th percentile of 76 | 4.6%Lowest of 76 |
| FCF margin | -87.0%Lowest of 58 | 48.9%89th percentile of 58 |
| Revenue growth (YoY) | +5.6%16th percentile of 76 | +36.6%84th percentile of 76 |
| ROE | 6.7%11th percentile of 76 | 2.2%Lowest of 76 |
| P/E (TTM) | 17.4×87th percentile of 76 | 62.2×99th percentile of 76 |
| Debt / equity | 1.48×97th percentile of 38 | 0.44×62nd percentile of 38 |
| Short interest (days to cover) | 1.70d7th percentile of 75 | 2.29d19th percentile of 75 |
Short interest
| FINRA settlement data | C | COF |
|---|---|---|
| Shares sold short | 27.2M | 11.7M |
| Change vs prior settlement | -16.3% | +7.2% |
| Days to cover | 1.70 | 2.29 |
| As of settlement | 2026-06-30 | 2026-06-30 |
Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data; republishing or redistributing it is not permitted. Not presented as a percentage of float. No FINRA endorsement of this product is implied.
Insider activity (last 90 days)
| Form 4 open-market activity | C | COF |
|---|---|---|
| Buys | 0 | 0 |
| Sells | 1 ($265,260) | 6 ($2.6M) |
Open-market purchases and sales reported on SEC Form 4 (grants, exercises and tax withholding excluded). For context, about 16% of covered companies saw any open-market insider buy in a 90-day window.
Held by the same investors
9 tracked 13F managers hold both Citigroup and Capital One Financial as of their latest quarterly filings: AQR Capital Management, Citadel Advisors, D. E. Shaw, Gotham Asset Management, Harris Associates (Oakmark), Millennium Management, Point72 Asset Management, Renaissance Technologies, Two Sigma Investments. See which superinvestors hold your own portfolio with the smart money checker.
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Data sourced from SEC EDGAR (public domain). Figures are as-reported and may be unaudited or restated; verify against the source filings before relying on them. Comparisons are descriptive (higher or lower on a reported figure), not a rating or a recommendation. Informational only. Not investment advice.