C vs GS Comparison: AI Score, Valuation, Performance and Upside
Compare Citigroup and Goldman Sachs by investment banking revenue quality, global institutional presence, transformation execution risk, ROTCE, and relative valuation.
Use this Citigroup vs Goldman Sachs comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
GS holds the edge across 3 of 5 key metrics in this comparison. GS has delivered stronger 1-year price return (+47.56% vs +38.58%), though C has the better forward P/E setup (10.11x vs 14.73x for GS). GS leads on both revenue growth (42.50%) and operating margin (42.32%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for C (+19.05%) than for GS (+4.47%).
| Metric | C | GS |
|---|---|---|
| AI score | 54.2 | 61.1 |
| AI rank | #303 | #182 |
| Latest close | $132.19 | $1,061.23 |
| 1M return | -7.94% | -1.46% |
| 6M return | +16.37% | +15.49% |
| 1Y return | +38.58% | +47.56% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | C | GS |
|---|---|---|
| 1Y ago | $13.76K (+37.6%) started 2025-07-25 | $14.56K (+45.6%) started 2025-07-25 |
| 5Y ago | $26.66K (+166.6%) started 2021-07-26 | $34.38K (+243.8%) started 2021-07-26 |
| 10Y ago | $54.46K (+444.6%) started 2016-07-25 | $96.54K (+865.4%) started 2016-07-25 |
Hypothetical — past performance does not guarantee future results.
| Metric | C | GS |
|---|---|---|
| Market cap | $216.99B | $314.25B |
| Trailing P/E | 13.94 | 16.45 |
| Forward P/E | 10.11 | 14.73 |
| Price/Sales | 2.04 | 3.55 |
| EV/Revenue | -4.32 | 2.26 |
| Analyst target | $154.00 | $1,112.85 |
| Target upside | +19.05% | +4.47% |
| Metric | C | GS |
|---|---|---|
| Revenue growth | 14.50% | 42.50% |
| Earnings growth | 61.00% | 92.30% |
| EPS growth | +61.00% | +92.30% |
| FCF margin | N/A | N/A |
| Operating margin | 36.23% | 42.32% |
| Profit margin | 21.83% | 31.04% |
| ROIC proxy | 8.53% | 16.95% |
| Return on equity | 8.53% | 16.95% |
| Dividend yield | 1.86% | 1.88% |
| Beta | 1.09 | 1.29 |
| Debt/equity | N/A | 647.15 |
| Current ratio | N/A | 2.57 |
| Quick ratio | N/A | 2.06 |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | C | GS |
|---|---|---|---|
| 1Y | Growth | +37.60% | +45.58% |
| CAGR | +37.73% | +45.74% | |
| Sharpe ratio | 1.11 | 1.24 | |
| Max drawdown | 14.76% | 19.84% | |
| Max daily drop | 5.32% | 7.47% | |
| Max wkly drop | 9.64% | 10.07% | |
| 5Y | Growth | +126.77% | +210.84% |
| CAGR | +17.81% | +25.48% | |
| Sharpe ratio | 0.56 | 0.79 | |
| Max drawdown | 44.31% | 32.84% | |
| Max daily drop | 12.14% | 9.21% | |
| Max wkly drop | 17.35% | 15.72% | |
| 10Y | Growth | +295.93% | +692.29% |
| CAGR | +14.76% | +23.00% | |
| Sharpe ratio | 0.45 | 0.69 | |
| Max drawdown | 56.51% | 48.75% | |
| Max daily drop | 19.30% | 12.71% | |
| Max wkly drop | 31.86% | 24.20% |
| Category | C | GS |
|---|---|---|
| Company | C | GS |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Capital Markets |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
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