Comprehensive Stock Comparison
Compare Citigroup Inc. (C) vs The Toronto-Dominion Bank (TD) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | C | 9.9% revenue growth vs TD's -2.8% |
| Value | TD | Lower P/E (10.4x vs 10.7x) |
| Quality / Margins | TD | 17.7% net margin vs C's 7.4% |
| Stability / Safety | TD | Beta 0.43 vs C's 1.30 |
| Dividends | TD | 3.3% yield, 2-year raise streak, vs C's 2.5% |
| Momentum (1Y) | TD | +67.6% vs C's +40.8% |
| Efficiency (ROA) | TD | 1.0% ROA vs C's 0.6%, ROIC 2.3% vs 1.6% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Citigroup is a global financial services giant operating through two main divisions: Global Consumer Banking serving retail customers and Institutional Clients Group serving corporations and institutions. It generates revenue primarily from interest income on loans and securities (about 60%) and non-interest income from investment banking, trading, and card fees (about 40%). The company's key advantage is its unparalleled global network spanning nearly 100 countries—particularly strong in emerging markets—which provides unique cross-border banking capabilities for multinational clients.
The Toronto-Dominion Bank is a major North American retail and commercial bank operating primarily in Canada and the United States. It generates revenue through retail banking services—including deposits, lending, and wealth management—and wholesale banking operations, with Canadian retail contributing roughly 60% of earnings and U.S. retail about 30%. TD's competitive advantage lies in its extensive North American branch network—one of the largest among Canadian banks—and its strong retail banking franchise built on customer loyalty and cross-selling capabilities.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
TD leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). C leads in 1 (Valuation Metrics). 2 tied.
Financial Metrics (TTM)
C and TD operate at a comparable scale, with $170.7B and $115.8B in trailing revenue. TD is the more profitable business, keeping 17.7% of every revenue dollar as net income compared to C's 7.4%.
| Metric | CCitigroup Inc. | TDThe Toronto-Domin… |
|---|---|---|
| RevenueTrailing 12 months | $170.7B | $115.8B |
| EBITDAEarnings before interest/tax | $24.1B | $26.1B |
| Net IncomeAfter-tax profit | $14.7B | $20.5B |
| Free Cash FlowCash after capex | -$76.0B | -$71.8B |
| Gross MarginGross profit ÷ Revenue | +41.7% | +49.0% |
| Operating MarginEBIT ÷ Revenue | +10.0% | +20.7% |
| Net MarginNet income ÷ Revenue | +7.4% | +17.7% |
| FCF MarginFCF ÷ Revenue | -15.3% | -62.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +23.2% | -8.2% |
Valuation Metrics
At 11.5x trailing earnings, TD trades at a 38% valuation discount to C's 18.5x P/E. On an enterprise value basis, C's 23.7x EV/EBITDA is more attractive than TD's 29.5x.
| Metric | CCitigroup Inc. | TDThe Toronto-Domin… |
|---|---|---|
| Market CapShares × price | $192.6B | $163.3B |
| Enterprise ValueMkt cap + debt − cash | $506.6B | $562.7B |
| Trailing P/EPrice ÷ TTM EPS | 18.52x | 11.53x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.69x | 10.43x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.93x |
| EV / EBITDAEnterprise value multiple | 23.72x | 29.49x |
| Price / SalesMarket cap ÷ Revenue | 1.13x | 1.93x |
| Price / BookPrice ÷ Book value/share | 1.00x | 1.79x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
TD delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $7 for C. C carries lower financial leverage with a 2.82x debt-to-equity ratio, signaling a more conservative balance sheet compared to TD's 5.19x.
| Metric | CCitigroup Inc. | TDThe Toronto-Domin… |
|---|---|---|
| ROE (TTM)Return on equity | +6.9% | +16.1% |
| ROA (TTM)Return on assets | +0.6% | +1.0% |
| ROICReturn on invested capital | +1.6% | +2.3% |
| ROCEReturn on capital employed | +3.0% | +5.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 2.82x | 5.19x |
| Net DebtTotal debt minus cash | $314.0B | $546.6B |
| Cash & Equiv.Liquid assets | $276.5B | $116.9B |
| Total DebtShort + long-term debt | $590.6B | $663.6B |
| Interest CoverageEBIT ÷ Interest expense | 0.24x | 0.44x |
Total Returns (with DRIP)
A $10,000 investment in TD five years ago would be worth $18,159 today (with dividends reinvested), compared to $17,396 for C. Over the past 12 months, TD leads with a +67.6% total return vs C's +40.8%. The 3-year compound annual growth rate (CAGR) favors C at 32.1% vs TD's 16.9% — a key indicator of consistent wealth creation.
| Metric | CCitigroup Inc. | TDThe Toronto-Domin… |
|---|---|---|
| YTD ReturnYear-to-date | -6.6% | +3.8% |
| 1-Year ReturnPast 12 months | +40.8% | +67.6% |
| 3-Year ReturnCumulative with dividends | +130.6% | +59.6% |
| 5-Year ReturnCumulative with dividends | +74.0% | +81.6% |
| 10-Year ReturnCumulative with dividends | +230.3% | +215.1% |
| CAGR (3Y)Annualised 3-year return | +32.1% | +16.9% |
Risk & Volatility
TD is the less volatile stock with a 0.43 beta — it tends to amplify market swings less than C's 1.30 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TD currently trades 97.6% from its 52-week high vs C's 88.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CCitigroup Inc. | TDThe Toronto-Domin… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.30x | 0.43x |
| 52-Week HighHighest price in past year | $125.16 | $99.78 |
| 52-Week LowLowest price in past year | $55.51 | $54.87 |
| % of 52W HighCurrent price vs 52-week peak | +88.1% | +97.6% |
| RSI (14)Momentum oscillator 0–100 | 51.7 | 62.3 |
| Avg Volume (50D)Average daily shares traded | 11.9M | 2.0M |
Analyst Outlook
Wall Street rates C as "Buy" and TD as "Hold". Consensus price targets imply 19.8% upside for C (target: $132) vs -8.1% for TD (target: $90). For income investors, TD offers the higher dividend yield at 3.35% vs C's 2.48%.
| Metric | CCitigroup Inc. | TDThe Toronto-Domin… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $132.09 | $89.52 |
| # AnalystsCovering analysts | 26 | 17 |
| Dividend YieldAnnual dividend ÷ price | +2.5% | +3.3% |
| Dividend StreakConsecutive years of raises | 3 | 2 |
| Dividend / ShareAnnual DPS | $2.73 | $4.46 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.9% | +9.3% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Feb 20 | Feb 26 | Change |
|---|---|---|---|
| Citigroup Inc. (C) | 100 | 183.15 | +83.2% |
| The Toronto-Dominio… (TD) | 100 | 183.14 | +83.1% |
The Toronto-Dominio… (TD) returned +82% over 5 years vs Citigroup Inc. (C)'s +74%. A $10,000 investment in TD 5 years ago would be worth $18,159 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Citigroup Inc. (C) | $83.3B | $170.7B | +104.9% |
| The Toronto-Dominio… (TD) | $40.6B | $115.8B | +185.1% |
The Toronto-Dominion Bank's revenue grew from $40.6B (2016) to $115.8B (2025) — a 12.3% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Citigroup Inc. (C) | 17.9% | 7.4% | -58.5% |
| The Toronto-Dominio… (TD) | 21.7% | 17.7% | -18.3% |
The Toronto-Dominion Bank's net margin went from 22% (2016) to 18% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Citigroup Inc. (C) | 7.8 | 11.8 | +51.3% |
| The Toronto-Dominio… (TD) | 10.7 | 8.1 | -24.3% |
Citigroup Inc. has traded in a 6x–13x P/E range over 7 years; current trailing P/E is ~19x. The Toronto-Dominion Bank has traded in a 7x–12x P/E range over 9 years; current trailing P/E is ~12x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Citigroup Inc. (C) | 4.74 | 5.95 | +25.5% |
| The Toronto-Dominio… (TD) | 4.67 | 11.56 | +147.5% |
The Toronto-Dominion Bank's EPS grew from $4.67 (2016) to $11.56 (2025) — a 11% CAGR.
Chart 6Free Cash Flow — 5 Years
Citigroup Inc. generated $-26B FCF in 2024 (-161% vs 2021). The Toronto-Dominion Bank generated $-72B FCF in 2025 (-247% vs 2021).
C vs TD: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is C or TD a better buy right now?
The Toronto-Dominion Bank (TD) offers the better valuation at 11.5x trailing P/E (10.4x forward), making it the more compelling value choice. Analysts rate Citigroup Inc. (C) a "Buy" — based on 26 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — C or TD?
On trailing P/E, The Toronto-Dominion Bank (TD) is the cheapest at 11.5x versus Citigroup Inc. at 18.5x. On forward P/E, The Toronto-Dominion Bank is actually cheaper at 10.4x.
03Which is the better long-term investment — C or TD?
Over the past 5 years, The Toronto-Dominion Bank (TD) delivered a total return of +81.6%, compared to +74.0% for Citigroup Inc. (C). A $10,000 investment in TD five years ago would be worth approximately $18K today (assuming dividends reinvested). Over 10 years, the gap is even starker: C returned +230.3% versus TD's +215.1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — C or TD?
By beta (market sensitivity over 5 years), The Toronto-Dominion Bank (TD) is the lower-risk stock at 0.43β versus Citigroup Inc.'s 1.30β — meaning C is approximately 200% more volatile than TD relative to the S&P 500. On balance sheet safety, Citigroup Inc. (C) carries a lower debt/equity ratio of 3% versus 5% for The Toronto-Dominion Bank — giving it more financial flexibility in a downturn.
05Which has better profit margins — C or TD?
The Toronto-Dominion Bank (TD) is the more profitable company, earning 17.7% net margin versus 7.4% for Citigroup Inc. — meaning it keeps 17.7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TD leads at 20.7% versus 10.0% for C. At the gross margin level — before operating expenses — TD leads at 49.0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is C or TD more undervalued right now?
On forward earnings alone, The Toronto-Dominion Bank (TD) trades at 10.4x forward P/E versus 10.7x for Citigroup Inc. — 0.3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for C: 19.8% to $132.09.
07Which pays a better dividend — C or TD?
All stocks in this comparison pay dividends. The Toronto-Dominion Bank (TD) offers the highest yield at 3.3%, versus 2.5% for Citigroup Inc. (C).
08Is C or TD better for a retirement portfolio?
For long-horizon retirement investors, The Toronto-Dominion Bank (TD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.43), 3.3% yield, +215.1% 10Y return). Both have compounded well over 10 years (TD: +215.1%, C: +230.3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between C and TD?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: C is a mid-cap quality compounder stock; TD is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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