Citigroup vs Goldman Sachs (C vs GS)
Citigroup (C) vs Goldman Sachs (GS) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
Citigroup (C) and Goldman Sachs (GS) compete in banking. Here are Citigroup and Goldman Sachs side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy Citigroup or Goldman Sachs.
Citigroup vs Goldman Sachs: the figures
| Figure | Citigroup | Goldman Sachs |
|---|---|---|
| Share price | $124.74 (November 4, 2026) | $928.00 (November 4, 2026) |
| Market cap | $206.5 billion | $267.7 billion |
| P/E (TTM) | 12.2x | 13.3x |
| Forward P/E | 9.5x | 12.5x |
| Revenue growth (quarter) | +8.0% | +23.3% |
| Net margin (TTM) | 23.2% | 31.2% |
| ROE | 9.4% | 17.7% |
| Dividend yield | 2.18% | 2.23% |
| Beta | 1.15 | 1.27 |
Citigroup and Goldman Sachs figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that Citigroup or Goldman Sachs figure is not available, and we never estimate it.
3 key differences between Citigroup and Goldman Sachs
- Growth: Goldman Sachs grew sales +23.3% year on year in its latest quarter, against +8.0% for Citigroup.
- Profitability: for every 100 of sales, Goldman Sachs keeps 31.2 as net profit and Citigroup keeps 23.2.
- Valuation: Goldman Sachs trades at 13.3x its annual earnings and Citigroup at 12.2x; the market pays more for each dollar of Goldman Sachs profit, usually because it expects more growth.
Citigroup or Goldman Sachs: which fits your profile
- If you want growth: Goldman Sachs is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
- If you want income (dividends): Goldman Sachs pays the higher dividend relative to its price.
- If you prefer caution: Citigroup has a less volatile share price, which usually gives more room in a bad year.
- If price is what matters most to you: Citigroup trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.
Neither Citigroup nor Goldman Sachs wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.
How Citigroup and Goldman Sachs make money
Citigroup (C)
Citigroup is a global bank focused on large corporations and institutions. It reports five segments: Services, covering treasury, trade and securities services; Markets, for fixed income and equities trading; Banking, for investment and corporate banking; U.S. Personal Banking, including Citi credit cards and retail branches; and Wealth. Full Citigroup analysis.
Goldman Sachs (GS)
Goldman Sachs is an investment bank. Global Banking & Markets, its largest segment, earns fees for advising on mergers, underwriting stock and bond offerings, and trading fixed income, currencies, commodities and equities for institutions. Asset & Wealth Management runs funds and private wealth, and Platform Solutions holds its card and platform businesses. Full Goldman Sachs analysis.
Frequently asked questions: Citigroup vs Goldman Sachs
Is Citigroup or Goldman Sachs the better stock?
Choosing between Citigroup and Goldman Sachs depends on what you are looking for. Goldman Sachs is growing faster right now, and Citigroup trades on the lower P/E. Fintols does not tell you whether to buy Citigroup or Goldman Sachs: it shows you the differences so you can decide.
Which pays a higher dividend, Citigroup or Goldman Sachs?
As of November 4, 2026, Goldman Sachs yields 2.23% and Citigroup yields 2.18%. Also check how much of their profit Citigroup and Goldman Sachs pay out: if it is more than they earn, it cannot last.
Which is more expensive, Citigroup or Goldman Sachs?
On P/E, Goldman Sachs (13.3x) is more expensive than Citigroup (12.2x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.
Can I own both Citigroup and Goldman Sachs?
Yes. Many people spread their money across several companies, such as Citigroup and Goldman Sachs, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying Citigroup or Goldman Sachs.
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More companies like Citigroup and Goldman Sachs: banking stocks. Educational content about Citigroup and Goldman Sachs, not investment advice.