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 (+21.60%) 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 | 54.8 | 57.3 |
| AI ranki | #264 | #63 |
| Latest closei | $123.10 | $898.72 |
| 1M returni | -4.20% | -0.43% |
| 3M returni | -7.84% | -12.50% |
| 6M returni | -2.01% | -0.50% |
| 1Y returni | +21.60% | +13.85% |
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 | $12.11K (+21.1%) started 2025-11-03 | $11.44K (+14.4%) started 2025-11-03 |
| 5Y ago | $23.62K (+136.2%) started 2021-11-03 | $25.92K (+159.2%) started 2021-11-03 |
| 10Y ago | $45.81K (+358.1%) started 2016-11-03 | $73.85K (+638.5%) started 2016-11-03 |
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 | 25.92% | 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 | +21.15% | +14.41% |
| CAGRi | +21.22% | +14.46% | |
| Volatilityi | 29.36% | 32.05% | |
| Sharpe ratioi | 0.66 | 0.44 | |
| Sortino ratioi | 0.93 | 0.65 | |
| Max drawdowni | 17.20% | 23.99% | |
| Current drawdowni | 15.49% | 21.99% | |
| Avg drawdowni | 6.04% | 8.17% | |
| Ulcer Indexi | 7.57% | 10.67% | |
| Max daily dropi | 5.60% | 7.47% | |
| Max wkly dropi | 9.64% | 10.69% | |
| 5Y | Growthi | +104.39% | +135.64% |
| CAGRi | +15.37% | +18.70% | |
| Volatilityi | 29.38% | 28.71% | |
| Sharpe ratioi | 0.48 | 0.59 | |
| Sortino ratioi | 0.71 | 0.87 | |
| Max drawdowni | 40.60% | 31.88% | |
| Current drawdowni | 15.49% | 21.99% | |
| Avg drawdowni | 14.59% | 10.33% | |
| Ulcer Indexi | 18.84% | 13.33% | |
| Max daily dropi | 12.14% | 9.21% | |
| Max wkly dropi | 17.35% | 15.72% | |
| 10Y | Growthi | +234.63% | +508.80% |
| CAGRi | +12.84% | +19.80% | |
| Volatilityi | 33.22% | 30.22% | |
| Sharpe ratioi | 0.40 | 0.60 | |
| Sortino ratioi | 0.57 | 0.88 | |
| Max drawdowni | 56.51% | 48.75% | |
| Current drawdowni | 15.49% | 21.99% | |
| Avg drawdowni | 16.87% | 12.36% | |
| Ulcer Indexi | 22.13% | 15.77% | |
| 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
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