Citigroup vs JPMorgan (C vs JPM)
Citigroup (C) vs JPMorgan (JPM) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
Citigroup (C) and JPMorgan (JPM) compete in banking. Here are Citigroup and JPMorgan 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 JPMorgan.
Citigroup vs JPMorgan: the figures
| Figure | Citigroup | JPMorgan |
|---|---|---|
| Share price | $124.74 (November 4, 2026) | $352.11 (November 4, 2026) |
| Market cap | $206.5 billion | $935.1 billion |
| P/E (TTM) | 12.2x | 14.8x |
| Forward P/E | 9.5x | 13.8x |
| Revenue growth (quarter) | +8.0% | +10.2% |
| Net margin (TTM) | 23.2% | 34.6% |
| ROE | 9.4% | 18.0% |
| Dividend yield | 2.18% | 1.95% |
| Beta | 1.15 | 1.02 |
Citigroup and JPMorgan figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that Citigroup or JPMorgan figure is not available, and we never estimate it.
3 key differences between Citigroup and JPMorgan
- Profitability: for every 100 of sales, JPMorgan keeps 34.6 as net profit and Citigroup keeps 23.2.
- Size: JPMorgan is worth $935.1 billion on the stock market, about 4.5 times Citigroup ($206.5 billion).
- Valuation: JPMorgan trades at 14.8x its annual earnings and Citigroup at 12.2x; the market pays more for each dollar of JPMorgan profit, usually because it expects more growth.
Citigroup or JPMorgan: which fits your profile
- If you want growth: JPMorgan 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): Citigroup pays the higher dividend relative to its price.
- If you prefer caution: JPMorgan 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 JPMorgan 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 JPMorgan 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.
JPMorgan (JPM)
JPMorgan Chase reports three main segments. Consumer & Community Banking, the largest, includes Chase retail branches, credit cards, mortgages and auto loans. Commercial & Investment Bank covers investment banking, markets, payments and corporate lending. Asset & Wealth Management runs funds and manages money for wealthy clients and institutions. Full JPMorgan analysis.
Frequently asked questions: Citigroup vs JPMorgan
Is Citigroup or JPMorgan the better stock?
Choosing between Citigroup and JPMorgan depends on what you are looking for. JPMorgan is growing faster right now, and Citigroup trades on the lower P/E. Fintols does not tell you whether to buy Citigroup or JPMorgan: it shows you the differences so you can decide.
Which pays a higher dividend, Citigroup or JPMorgan?
As of November 4, 2026, Citigroup yields 2.18% and JPMorgan yields 1.95%. Also check how much of their profit Citigroup and JPMorgan pay out: if it is more than they earn, it cannot last.
Which is more expensive, Citigroup or JPMorgan?
On P/E, JPMorgan (14.8x) 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 JPMorgan?
Yes. Many people spread their money across several companies, such as Citigroup and JPMorgan, 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 JPMorgan.
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More companies like Citigroup and JPMorgan: banking stocks. Educational content about Citigroup and JPMorgan, not investment advice.