Citigroup Inc vs ROYAL BANK OF CANADA, two Banks—Regional stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin gap between Citigroup and Royal Bank of Canada is nearly double, 16.8% against 31% net, and the return gap wider still, 6.7% against 15% on equity: the restructuring conglomerate against the protected oligopolist. The multiples barely acknowledge it, 20.3 and 18.9 times, Citi the DEARER per dollar of current earnings because its dollar is depressed and RBC's is not. Returns on assets, 0.54% against 0.9%. The pair prices two theories of value in banking: buy the weak earner cheap-on-normalized (Citi's book discount lives off this page), or pay fair for the strong earner's permanence. The trailing tables vote RBC without hesitation.
Comparison updated 2026-07-10.
| Metric | C | RY |
|---|---|---|
| Price | $141.79 | $202.84 |
| Market cap | $264.1B | $283.7B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| P/E | 20.3 | 18.9 |
| P/B | 1.24 | 2.76 |
| P/S | 3.10 | 5.69 |
| EV/EBITDA | — | 113.4 |
| Revenue growth | +5.6% | +12.1% |
| Net margin | 16.8% | 31.0% |
| Return on equity | 6.7% | 15.0% |
| Return on assets | 0.5% | 0.9% |
| Debt / equity | 1.72 | 0.00 |
| Piotroski F (quality) | 8 / 9 | 9 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.