Apple Inc. (AAPL) vs Citigroup Inc. (C)
A side-by-side comparison of Apple Inc. and Citigroup Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 28, 2026. Differences are shown without an overall score or investment verdict.
Different business models: AAPL is classified in Technology; C is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
AAPL
Apple Inc.
$340.08TechnologyDelayed quote: Jul 28, 2026, 4:00 PM EDT
C
Citigroup Inc.
$132.49Financial ServicesDelayed quote: Jul 28, 2026, 3:59 PM EDT
Total return — AAPL vs C
growth of $100 · dividends reinvested · last 30yAAPL +202236.7%C +152.3%AAPL compounded faster
Log scale — wide-divergence pair
AAPL C
AAPL vs C: by the numbers
- •AAPL is the larger company ($4.99T vs $227.21B market cap).
- •C trades at the lower trailing earnings multiple (14.37 vs 40.74 P/E), one valuation lens rather than an overall verdict.
- •AAPL converts more revenue to profit (27.15% vs 11.59% net margin).
- •C grew revenue faster over the past five years (13.75% vs 6.76% CAGR).
- •C pays the higher dividend yield (1.80% vs 0.31%).
Metrics side by side
Valuation
| Metric | AAPL | C |
|---|---|---|
| P/E ratio | 40.74 | 14.37 |
| Forward P/E | 38.46 | 11.92 |
| P/S ratio | 11.02 | 1.50 |
| P/B ratio | 46.72 | 1.09 |
| PEG ratio | 1.51 | 0.81 |
| EV / EBITDA | 31.40 | N/A |
| FCF yield | 2.60% | N/A |
Profitability
| Metric | AAPL | C |
|---|---|---|
| Gross margin | 47.86% | 44.55% |
| Operating margin | 32.64% | 16.09% |
| Net margin | 27.15% | 11.59% |
| ROE | 115.10% | 8.40% |
| ROIC | 51.97% | 0.95% |
Dividends
| Metric | AAPL | C |
|---|---|---|
| Dividend yield | 0.31% | 1.80% |
| Payout ratio | 14.02% | 33.20% |
Growth (annualized)
| Metric | AAPL | C |
|---|---|---|
| Revenue CAGR (5Y) | 6.76% | 13.75% |
| EPS CAGR (5Y) | 17.73% | 8.77% |
| FCF CAGR (5Y) | 7.38% | N/A |
| Total return CAGR (5Y) | 18.69% | 18.16% |
Frequently asked
- Which has the lower trailing P/E, AAPL or C?
- C has the lower trailing P/E: AAPL trades at 40.74 and C at 14.37. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AAPL or C?
- Over the past five years, C grew revenue faster — AAPL at a 6.76% CAGR versus C at 13.75%.
- Does AAPL or C pay a bigger dividend?
- AAPL yields 0.31% and C yields 1.80% based on trailing dividends and the latest price.
- Is AAPL or C more profitable?
- AAPL runs the higher net margin — AAPL at 27.15% versus C at 11.59%.
- How have AAPL and C total returns compared?
- Over the past 10 years, AAPL delivered 30.55% and C delivered 14.95% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Apple P/E ratioCitigroup P/E ratioApple dividend yieldCitigroup dividend yieldApple ROECitigroup ROEApple operating marginCitigroup operating marginApple revenue growthCitigroup revenue growthApple free cash flowCitigroup free cash flow
Apple & Citigroup appear in these rankings
Highest ROE StocksHighest ROIC StocksHighest Operating Margin StocksHighest 10-Year Total Return Stocks
Related comparisons
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 28, 2026.