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Bank of America vs Citigroup: revenue, profit, margins and growth compared

Bank of America brought in $113.1B of revenue in fiscal 2025, Citigroup $85.2B in fiscal 2025. Revenue changed by +6.8% at Bank of America and +5.6% at Citigroup on the year before, so Bank of America grew faster. Bank of America kept 27.0% of its revenue as net profit, Citigroup 16.8%.

Side by side, latest fiscal year

BACC
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$113.1B$85.2B
Revenue growth+6.8%+5.6%
Net income$30.5B$14.3B
Net margin27.0%16.8%
Free cash flown/a-$74.2B
Free cash flow marginn/a-87.0%
Earnings per share (diluted)$3.81$6.99
Cash$231.8B$349.6B
Debt$317.8B$315.8B
Price to earnings14.919.2
Market value$396.5B$225.2B
Dividend yield1.90%n/a
Rank by revenue in sector#5 of 495 · Finance#7 of 495 · Finance

Over the years

Revenue
BAC FY2018: $91BBAC FY2019: $91.2BBAC FY2020: $85.5BBAC FY2021: $89.1BBAC FY2022: $95BBAC FY2023: $102.8BBAC FY2024: $105.9BBAC FY2025: $113.1BC FY2018: $72.9BC FY2019: $75.1BC FY2020: $75.5BC FY2021: $71.9BC FY2022: $75.3BC FY2023: $78.1BC FY2024: $80.7BC FY2025: $85.2BFY18FY19FY20FY21FY22FY23FY24FY25
BAC $113.1BC $85.2B
Net income
BAC FY2018: $28.1BBAC FY2019: $27.4BBAC FY2020: $17.9BBAC FY2021: $32BBAC FY2022: $27.5BBAC FY2023: $26.3BBAC FY2024: $27BBAC FY2025: $30.5BC FY2018: $18BC FY2019: $19.4BC FY2020: $11BC FY2021: $22BC FY2022: $14.8BC FY2023: $9.2BC FY2024: $12.7BC FY2025: $14.3BFY18FY19FY20FY21FY22FY23FY24FY25
BAC $30.5BC $14.3B
Net margin
BAC FY2018: 30.9%BAC FY2019: 30.1%BAC FY2020: 20.9%BAC FY2021: 35.9%BAC FY2022: 29.0%BAC FY2023: 25.6%BAC FY2024: 25.5%BAC FY2025: 27.0%C FY2018: 24.8%C FY2019: 25.8%C FY2020: 14.6%C FY2021: 30.5%C FY2022: 19.7%C FY2023: 11.8%C FY2024: 15.7%C FY2025: 16.8%FY18FY19FY20FY21FY22FY23FY24FY25
BAC 27.0%C 16.8%
Revenue growth
BAC FY2019: +0.2%BAC FY2020: -6.3%BAC FY2021: +4.2%BAC FY2022: +6.6%BAC FY2023: +8.2%BAC FY2024: +3.0%BAC FY2025: +6.8%C FY2019: +3.0%C FY2020: +0.6%C FY2021: -4.8%C FY2022: +4.8%C FY2023: +3.6%C FY2024: +3.4%C FY2025: +5.6%FY19FY20FY21FY22FY23FY24FY25
BAC +6.8%C +5.6%
Free cash flow
C FY2018: $33.2BC FY2019: -$18.2BC FY2020: -$26.9BC FY2021: $43BC FY2022: $19.4BC FY2023: -$80BC FY2024: -$26.2BC FY2025: -$74.2BFY18FY19FY20FY21FY22FY23FY24FY25
BACC -$74.2B

Fiscal years as each company reports them; the two may end in different months.

Questions about Bank of America and Citigroup

Which is bigger by revenue, Bank of America or Citigroup?

Bank of America is bigger by revenue: $113.1B in fiscal 2025, against $85.2B for Citigroup in fiscal 2025.

Which keeps more of its revenue as profit, Bank of America or Citigroup?

Bank of America had a net margin of 27.0% in fiscal 2025; Citigroup had 16.8% in fiscal 2025.

Which grew revenue faster, Bank of America or Citigroup?

In their latest fiscal years revenue changed by +6.8% at Bank of America and +5.6% at Citigroup.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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