Citigroup Inc. (C)vsTFS Financial Corporation (TFSL)
C
Citigroup Inc.
$127.97
+0.28%
FINANCIAL SERVICES · Cap: $223.88B
TFSL
TFS Financial Corporation
$14.72
-2.39%
FINANCIAL SERVICES · Cap: $4.13B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 23950% more annual revenue ($78.73B vs $327.37M). TFSL leads profitability with a 27.7% profit margin vs 20.4%. C appears more attractively valued with a PEG of 0.71. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
TFSL
Buy52
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 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Strong operational efficiency at 37.5%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
ROE of 7.7% — below average capital efficiency
ROE of 4.8% — below average capital efficiency
Expensive relative to growth rate
Premium valuation, high expectations priced in
Earnings declined 0.8%
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 20.4% and operating margin at 34.1%. Revenue growth of 16.9% demonstrates continued momentum.
Bull Case : TFSL
The strongest argument for TFSL centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 27.7% and operating margin at 37.5%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity.
Bear Case : TFSL
The primary concerns for TFSL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 46.0x leaves little room for execution misses. Debt-to-equity of 2.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
C profiles as a growth stock while TFSL is a mature play — different risk/reward profiles.
C carries more volatility with a beta of 1.08 — expect wider price swings.
C is growing revenue faster at 16.9% — sustainability is the question.
C generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 52/100), backed by strong 20.4% margins and 16.9% 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.
TFS Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TFS Financial Corporation, provides retail banking services for consumers in the United States.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?