C vs GS Stock Comparison: AI Score, Valuation, Performance and Upside
Citigroup and Goldman Sachs are both global financial institutions, but Citigroup operates a more diversified global banking and services model currently undergoing a multi-year transformation, while Goldman Sachs is more concentrated on investment banking, trading, and asset management with historically stronger returns on equity.
Citigroup offers a transformation and valuation re-rating story tied to improving returns on tangible common equity, while Goldman Sachs offers exposure to a higher-returning, more concentrated capital markets franchise. Consider whether you prefer Citigroup's turnaround potential or Goldman's established capital markets leadership.
C holds the edge across 3 of 5 key metrics in this comparison. C leads on both 1-year return (+36.46%) and forward P/E quality (10.32x vs 13.97x for GS), a relatively favorable combination of momentum and valuation. GS leads on both revenue growth (42.50%) and operating margin (42.18%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for C (+16.25%) than for GS (+10.41%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to a global diversified bank executing a multi-year transformation plan
- Believe improving returns on tangible common equity can support valuation re-rating
- Value extensive global institutional banking relationships
- Are comfortable with ongoing execution risk during the transformation process
- Want exposure to a leading global investment banking and trading franchise
- Believe growing asset and wealth management fees will add earnings stability over time
- Value strong market share in advisory and underwriting
- Are comfortable with cyclical investment banking and trading revenue
| Metric | C | GS |
|---|---|---|
| AI scorei | 55.2 | 66.0 |
| AI ranki | #273 | #71 |
| Latest closei | $136.17 | $976.67 |
| 1M returni | -2.27% | -6.04% |
| 6M returni | +26.42% | +21.02% |
| 1Y returni | +36.46% | +24.14% |
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 | $13.53K (+35.3%) started 2025-09-16 | $12.43K (+24.3%) started 2025-09-16 |
| 5Y ago | $26.18K (+161.8%) started 2021-09-17 | $30.07K (+200.7%) started 2021-09-17 |
| 10Y ago | $52.59K (+425.9%) started 2016-09-19 | $85.08K (+750.8%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | C | GS |
|---|---|---|
| Market capi | $222.93B | $301.07B |
| Trailing P/Ei | 14.32 | 16.08 |
| Forward P/Ei | 10.32 | 13.97 |
| Price/Salesi | 2.04 | 3.55 |
| EV/Revenuei | 0.38 | 1.00 |
| Analyst targeti | $154.50 | $1,141.65 |
| Target upsidei | +16.25% | +10.41% |
| Metric | C | GS |
|---|---|---|
| Revenue growthi | 15.50% | 42.50% |
| Earnings growthi | 61.00% | 92.30% |
| EPS growthi | +61.00% | +92.30% |
| FCF margini | N/A | N/A |
| Operating margini | 36.23% | 42.18% |
| Profit margini | 21.83% | 31.04% |
| ROIC proxyi | 8.53% | 16.90% |
| Return on equityi | 8.53% | 16.90% |
| Dividend yieldi | 2.02% | 1.92% |
| Payout ratioi | 25.86% | 26.25% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.10 | 1.29 |
| Debt/equityi | N/A | 725.38 |
| Current ratioi | N/A | 1.56 |
| Quick ratioi | N/A | 1.41 |
Over the past year, C and GS have moved moderately in the same direction (correlation of 0.66), based on daily returns.
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 | Growthi | +35.30% | +24.33% |
| CAGRi | +35.39% | +24.39% | |
| Volatilityi | 29.12% | 31.69% | |
| Sharpe ratioi | 1.03 | 0.71 | |
| Sortino ratioi | 1.50 | 1.04 | |
| Max drawdowni | 14.76% | 19.84% | |
| Current drawdowni | 6.52% | 15.22% | |
| Avg drawdowni | 4.95% | 5.79% | |
| Ulcer Indexi | 6.21% | 7.49% | |
| Max daily dropi | 5.32% | 7.47% | |
| Max wkly dropi | 9.64% | 10.69% | |
| 5Y | Growthi | +124.61% | +173.37% |
| CAGRi | +17.58% | +22.29% | |
| Volatilityi | 29.28% | 28.72% | |
| Sharpe ratioi | 0.55 | 0.69 | |
| Sortino ratioi | 0.81 | 1.02 | |
| Max drawdowni | 42.95% | 32.84% | |
| Current drawdowni | 6.52% | 15.22% | |
| Avg drawdowni | 15.84% | 10.38% | |
| Ulcer Indexi | 20.52% | 13.53% | |
| Max daily dropi | 12.14% | 9.21% | |
| Max wkly dropi | 17.35% | 15.72% | |
| 10Y | Growthi | +284.14% | +601.41% |
| CAGRi | +14.42% | +21.53% | |
| Volatilityi | 33.13% | 30.15% | |
| Sharpe ratioi | 0.44 | 0.65 | |
| Sortino ratioi | 0.63 | 0.96 | |
| Max drawdowni | 56.51% | 48.75% | |
| Current drawdowni | 6.52% | 15.22% | |
| Avg drawdowni | 16.71% | 12.10% | |
| Ulcer Indexi | 22.08% | 15.59% | |
| Max daily dropi | 19.30% | 12.71% | |
| Max wkly dropi | 31.86% | 24.20% |
| Category | C | GS |
|---|---|---|
| Company | Citigroup Inc. | The Goldman Sachs Group, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Capital Markets |
| Core business | A global bank offering institutional banking, markets, and services alongside a personal banking and wealth management business, with an extensive international footprint across many countries. | A global investment banking, securities, and asset management firm serving corporations, financial institutions, governments, and high-net-worth individuals. |
| Investor focus | Progress on its multi-year business transformation and simplification plan, return on tangible common equity improvement, and institutional services revenue growth. | Investment banking and trading revenue trends, asset and wealth management fee growth, and progress toward returns on equity targets. |
- Extensive global institutional banking network provides deep relationships with multinational corporations
- Services segment, including treasury and trade solutions, generates relatively stable, recurring fee revenue
- Ongoing transformation plan aims to simplify the business and improve returns relative to peers over time
- Leading global investment banking franchise commands strong market share in advisory and underwriting
- Trading and markets business generates substantial fee and spread revenue during active capital markets periods
- Growing asset and wealth management business adds a more recurring fee income stream to complement banking
- Return on tangible common equity has historically lagged larger, more efficient bank peers
- Execution of the multi-year transformation plan carries ongoing operational and cost risk
- International exposure introduces regulatory and geopolitical risk across its many operating markets
- Investment banking and trading revenue is inherently cyclical and tied to broader capital markets activity
- Regulatory capital requirements can constrain balance sheet growth and returns on equity
- Faces intense competition from other global investment banks for talent and deal mandates
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.