Citigroup Inc. (C)vsJPMorgan Chase & Co (JPM)
C
Citigroup Inc.
$132.45
+0.10%
FINANCIAL SERVICES · Cap: $221.84B
JPM
JPMorgan Chase & Co
$351.79
+0.27%
FINANCIAL SERVICES · Cap: $900.78B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 128% more annual revenue ($186.33B vs $81.71B). JPM leads profitability with a 34.9% profit margin vs 21.8%. C appears more attractively valued with a PEG of 0.72. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
JPM
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 36.2%
Earnings expanding 61.0% YoY
Keeps 22 of every $100 in revenue as profit
Growing faster than its price suggests
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 21.8% and operating margin at 36.2%. Revenue growth of 14.5% demonstrates continued momentum.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Debt/Equity, Free Cash Flow, Altman Z-Score. Debt-to-equity of 1.90 is elevated, increasing financial risk.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.
Key Dynamics to Monitor
C profiles as a mature stock while JPM is a growth play — different risk/reward profiles.
C carries more volatility with a beta of 1.09 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
C generates stronger free cash flow (-23.3B), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 81/100), backed by strong 21.8% margins and 14.5% revenue growth. Both earn "Exceptional Buy" and "Exceptional 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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