RBC vs Citi
RBC and Citi are presented to illustrate how large banks compare, within a neutral frame. This page compares their business models, financial performance, and market context, helping readers understand differences without speculation. Educational content, not financial advice.
RBC and Citi are presented to illustrate how large banks compare, within a neutral frame. This page compares their business models, financial performance, and market context, helping readers understan...
Why It's Moving
RBC Investors Cheer Dividend Boost and Earnings Beat as Institutions Pile In
- Earnings topped forecasts with EPS of $2.76 versus $2.51 expected and revenue surging 14.2% year-over-year, highlighting resilient banking operations.
- Quarterly dividend jumped to $1.64 per share from $1.54, delivering an annualized yield of 3.9% and going ex-dividend today, drawing volume spikes.
- Intact Investment Management ramped up its stake by 13.6% to $121 million, cementing RY as a top holding amid fresh analyst buy ratings.
Citigroup Hits New 52-Week High on India IPO Win and Earnings Momentum
- Citi named joint lead for India's top asset manager's $1.4B IPO, bolstering investment banking fees in a high-growth market.
- Topped India's 2025 M&A advisory league table, signaling sustained revenue from Asia expansion.
- January 2026 earnings delivered EPS beat at $1.81 vs. $1.70 expected, with revenue up 78% and net income nearly doubling on corporate confidence surge.
RBC Investors Cheer Dividend Boost and Earnings Beat as Institutions Pile In
- Earnings topped forecasts with EPS of $2.76 versus $2.51 expected and revenue surging 14.2% year-over-year, highlighting resilient banking operations.
- Quarterly dividend jumped to $1.64 per share from $1.54, delivering an annualized yield of 3.9% and going ex-dividend today, drawing volume spikes.
- Intact Investment Management ramped up its stake by 13.6% to $121 million, cementing RY as a top holding amid fresh analyst buy ratings.
Citigroup Hits New 52-Week High on India IPO Win and Earnings Momentum
- Citi named joint lead for India's top asset manager's $1.4B IPO, bolstering investment banking fees in a high-growth market.
- Topped India's 2025 M&A advisory league table, signaling sustained revenue from Asia expansion.
- January 2026 earnings delivered EPS beat at $1.81 vs. $1.70 expected, with revenue up 78% and net income nearly doubling on corporate confidence surge.
Investment Analysis
RBC
RY
Pros
- RBC has a diversified global footprint across retail banking, wealth management, and capital markets, providing multiple revenue streams.
- The bank maintains a dominant position in the Canadian banking sector, supporting steady deposit and loan growth.
- RBC offers an attractive dividend yield, with a forward yield above 3.5% and a history of reliable payouts.
Considerations
- RBC has significant exposure to the Canadian housing market, increasing vulnerability to domestic mortgage and consumer credit risks.
- Analyst consensus suggests limited upside potential, with the average 12-month price target indicating only modest expected appreciation.
- Recent shifts in analyst ratings, including downgrades, reflect concerns over macroeconomic conditions and profit growth challenges.
Citi
C
Pros
- Citigroup operates in over 160 countries, offering global scale and diversified revenue across geographies and financial services.
- The company’s restructuring efforts, including business simplification and cost reductions, aim to improve long-term profitability and efficiency.
- Citigroup trades at a lower valuation multiple than some peers, potentially offering value if execution on strategic changes improves.
Considerations
- Citigroup’s ongoing transformation introduces execution risk, with past strategic pivots having mixed success in enhancing shareholder returns.
- Current performance lags many peers on key fundamental and return metrics, reflected in year-to-date share price underperformance.
- The bank’s large global footprint exposes it to regulatory, geopolitical, and currency risks across multiple jurisdictions.
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RBC (RY) Next Earnings Date
Royal Bank of Canada's next earnings date is estimated for February 26, 2026. This report will cover the Q1 fiscal 2026 period, aligning with the company's historical late-February pattern for first-quarter results. Note that earlier estimates referenced a Q4 2025 release around December 3, 2025, which has passed without confirmation, shifting focus to the upcoming Q1 estimate.
Citi (C) Next Earnings Date
Citigroup Inc. (C) is scheduled to report its next earnings on April 14, 2026, covering the first quarter of 2026. Analysts are currently projecting earnings per share of approximately $2.59 for this period. The company will release its Q1 2026 results via press release before market open, followed by a conference call with management to discuss financial performance and outlook.
RBC (RY) Next Earnings Date
Royal Bank of Canada's next earnings date is estimated for February 26, 2026. This report will cover the Q1 fiscal 2026 period, aligning with the company's historical late-February pattern for first-quarter results. Note that earlier estimates referenced a Q4 2025 release around December 3, 2025, which has passed without confirmation, shifting focus to the upcoming Q1 estimate.
Citi (C) Next Earnings Date
Citigroup Inc. (C) is scheduled to report its next earnings on April 14, 2026, covering the first quarter of 2026. Analysts are currently projecting earnings per share of approximately $2.59 for this period. The company will release its Q1 2026 results via press release before market open, followed by a conference call with management to discuss financial performance and outlook.
Which Baskets Do They Appear In?
Canada Domestic Champions Explained | Trade War Shield
Recent U.S. tariffs have caused a contraction in Canada's export-driven economy, creating a unique investment opportunity. This theme focuses on Canadian companies that serve the domestic market and are insulated from international trade disputes.
Published: August 30, 2025
Explore BasketNorth American Trade Normalization
Canada has lifted retaliatory tariffs on a wide range of U.S. products, a significant step toward normalizing trade relations. This creates a favorable investment landscape for American companies in sectors like apparel and consumer goods that export to Canada.
Published: August 24, 2025
Explore BasketWhich Baskets Do They Appear In?
Canada Domestic Champions Explained | Trade War Shield
Recent U.S. tariffs have caused a contraction in Canada's export-driven economy, creating a unique investment opportunity. This theme focuses on Canadian companies that serve the domestic market and are insulated from international trade disputes.
Published: August 30, 2025
Explore BasketNorth American Trade Normalization
Canada has lifted retaliatory tariffs on a wide range of U.S. products, a significant step toward normalizing trade relations. This creates a favorable investment landscape for American companies in sectors like apparel and consumer goods that export to Canada.
Published: August 24, 2025
Explore BasketBuy RY or C in Nemo
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