C vs JPM Stock Comparison: AI Score, Valuation, Performance and Upside
Citigroup and JPMorgan are both major global banks, but JPMorgan is widely regarded as the best-in-class universal bank with consistently strong returns, while Citigroup is a turnaround story executing a multi-year transformation plan to simplify its structure and close its historical returns gap, trading at a significant discount to tangible book value as a result.
JPMorgan offers proven, best-in-class execution and consistent returns at a premium valuation, while Citigroup offers potential value upside if its transformation plan succeeds in closing the returns gap, but with more execution risk and a longer track record of underperformance. Consider whether you prefer JPMorgan's proven consistency or Citigroup's turnaround potential.
C holds the edge across 3 of 5 key metrics in this comparison. C leads on both 1-year return (+44.92%) and forward P/E quality (10.32x vs 14.30x for JPM), a relatively favorable combination of momentum and valuation. JPM leads on both revenue growth (30.40%) and operating margin (50.39%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for C (+16.25%) than for JPM (+4.74%).
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.
- Believe Citigroup's multi-year transformation plan will successfully improve returns and close its discount to book value
- Want value exposure to a global bank trading at a significant discount to tangible book value
- Are comfortable with execution risk and a longer track record of underperformance relative to top-tier peers
- Value Citigroup's differentiated global institutional banking and trade finance network
- Want exposure to a proven, best-in-class universal bank with consistently strong returns
- Value scale and balance sheet strength as durable competitive advantages
- Prefer a bank with less execution and turnaround risk than Citigroup's transformation story
- Believe strong capital generation will continue supporting robust buybacks and dividends
| Metric | C | JPM |
|---|---|---|
| AI scorei | 55.3 | 58.7 |
| AI ranki | #273 | #201 |
| Latest closei | $137.72 | $358.64 |
| 1M returni | +0.06% | -0.17% |
| 6M returni | +26.41% | +22.17% |
| 1Y returni | +44.92% | +19.74% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | C | JPM |
|---|---|---|
| 1Y ago | $14.19K (+41.9%) started 2025-09-04 | $11.8K (+18.0%) started 2025-09-04 |
| 5Y ago | $26.15K (+161.5%) started 2021-09-07 | $27.74K (+177.4%) started 2021-09-07 |
| 10Y ago | $52.4K (+424.0%) started 2016-09-06 | $88.4K (+784.0%) started 2016-09-06 |
Hypothetical — past performance does not guarantee future results.
| Metric | C | JPM |
|---|---|---|
| Market capi | $222.93B | $950.62B |
| Trailing P/Ei | 14.32 | 15.32 |
| Forward P/Ei | 10.32 | 14.30 |
| Price/Salesi | 2.04 | 4.38 |
| EV/Revenuei | 0.38 | 4.23 |
| Analyst targeti | $154.50 | $374.57 |
| Target upsidei | +16.25% | +4.74% |
| Metric | C | JPM |
|---|---|---|
| Revenue growthi | 15.50% | 30.40% |
| Earnings growthi | 61.00% | 46.90% |
| EPS growthi | +61.00% | +46.90% |
| FCF margini | N/A | N/A |
| Operating margini | 36.23% | 50.39% |
| Profit margini | 21.83% | 34.92% |
| ROIC proxyi | 8.53% | 17.79% |
| Return on equityi | 8.53% | 17.79% |
| Dividend yieldi | 2.02% | 1.68% |
| Betai | 1.10 | 0.98 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, C and JPM have moved moderately in the same direction (correlation of 0.67), 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 | JPM |
|---|---|---|---|
| 1Y | Growthi | +41.86% | +18.04% |
| CAGRi | +41.93% | +18.07% | |
| Volatilityi | 29.12% | 22.24% | |
| Sharpe ratioi | 1.19 | 0.66 | |
| Sortino ratioi | 1.74 | 0.91 | |
| Max drawdowni | 14.76% | 15.47% | |
| Current drawdowni | 5.46% | 1.79% | |
| Avg drawdowni | 4.78% | 5.04% | |
| Ulcer Indexi | 6.12% | 6.64% | |
| Max daily dropi | 5.32% | 4.66% | |
| Max wkly dropi | 9.64% | 7.09% | |
| 5Y | Growthi | +124.41% | +149.29% |
| CAGRi | +17.58% | +20.08% | |
| Volatilityi | 29.31% | 24.40% | |
| Sharpe ratioi | 0.55 | 0.69 | |
| Sortino ratioi | 0.80 | 0.99 | |
| Max drawdowni | 42.95% | 38.77% | |
| Current drawdowni | 5.46% | 1.79% | |
| Avg drawdowni | 15.81% | 9.73% | |
| Ulcer Indexi | 20.50% | 13.68% | |
| Max daily dropi | 12.14% | 7.48% | |
| Max wkly dropi | 17.35% | 13.76% | |
| 10Y | Growthi | +282.76% | +575.37% |
| CAGRi | +14.37% | +21.06% | |
| Volatilityi | 33.12% | 27.33% | |
| Sharpe ratioi | 0.44 | 0.67 | |
| Sortino ratioi | 0.63 | 0.99 | |
| Max drawdowni | 56.51% | 43.63% | |
| Current drawdowni | 5.46% | 1.79% | |
| Avg drawdowni | 16.70% | 8.86% | |
| Ulcer Indexi | 22.07% | 13.14% | |
| Max daily dropi | 19.30% | 14.96% | |
| Max wkly dropi | 31.86% | 23.11% |
| Category | C | JPM |
|---|---|---|
| Company | Citigroup Inc. | JPMorgan Chase & Co. |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Diversified |
| Core business | A global bank with institutional banking, markets, wealth management, and US personal banking operations, currently executing a multi-year transformation plan aimed at simplifying its structure and improving returns. | The largest US bank by assets, operating a universal banking model spanning consumer banking, commercial banking, investment banking, and asset and wealth management. |
| Investor focus | Progress on the multi-year transformation plan, return on tangible common equity (ROTCE) improvement, cost reduction execution, and whether the stock's discount to book value narrows. | Net interest income trends, investment banking fee revenue, credit quality across consumer and commercial loan books, and capital return (buybacks and dividends). |
- Global institutional banking network provides differentiated cross-border transaction and trade finance capabilities
- Multi-year transformation plan aims to simplify the business and improve historically lagging returns
- Trades at a significant discount to tangible book value, offering potential upside if the turnaround succeeds
- Diversified universal banking model across consumer, commercial, and investment banking reduces reliance on any single business line
- Scale and balance sheet strength provide competitive advantages in lending and investment banking market share
- Consistently strong profitability and capital generation supporting robust capital return programs
- Historically lower returns on equity than best-in-class peers like JPMorgan, reflecting ongoing execution challenges
- Transformation plan execution risk, including whether cost reduction and simplification targets are achieved on schedule
- Regulatory and compliance overhang from past consent orders requiring continued remediation investment
- Net interest income is sensitive to interest rate changes and the shape of the yield curve
- Credit quality across consumer and commercial loan portfolios can deteriorate in economic downturns
- Regulatory capital requirements for large systemically important banks can constrain capital flexibility
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