Citigroup Inc. (C)vsJPMorgan Chase & Co (JPM)
C
Citigroup Inc.
$109.85
+1.09%
FINANCIAL SERVICES · Cap: $188.42B
JPM
JPMorgan Chase & Co
$287.74
+0.08%
FINANCIAL SERVICES · Cap: $773.75B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 122% more annual revenue ($168.24B vs $75.72B). JPM leads profitability with a 33.9% profit margin vs 18.9%. C appears more attractively valued with a PEG of 0.78. C earns a higher WallStSmart Score of 65/100 (B-).
C
Strong Buy65
out of 100
Grade: B-
JPM
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$109.85
$62.32 premium
Margin of Safety
-110.9%
Fair Value
$136.54
Current Price
$287.74
$151.20 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.7%
Generating 2.0B in free cash flow
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
Expensive relative to growth rate
2.5% revenue growth
Elevated debt levels
Earnings declined 3.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Price/Book, Market Cap, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 41.1%.
Bear Case : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
C carries more volatility with a beta of 1.13 — expect wider price swings.
C is growing revenue faster at 4.4% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (65/100 vs 63/100), backed by strong 18.9% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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