American Express Company (AXP) vs Citigroup Inc. (C)

A side-by-side comparison of American Express Company and Citigroup Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 10, 2026. Differences are shown without an overall score or investment verdict.

Compare

Total returnAXP vs C

growth of $100 · dividends reinvested · last 10y
AXP +474.4% (+19.1%/yr)C +302.0% (+14.9%/yr)AXP compounded faster over this window
200400600Start $10020182020202220242026$574$402
AXP C

AXP vs C: by the numbers

  • C is the larger company ($238.06B vs $219.27B market cap).
  • C trades at the lower trailing earnings multiple (14.99 vs 19.64 P/E), one valuation lens rather than an overall verdict.
  • AXP converts more revenue to profit (13.61% vs 10.24% net margin).
  • C grew revenue faster over the past five years (16.66% vs 16.23% CAGR).
  • C pays the higher dividend yield (1.78% vs 1.10%).

Metrics side by side

Valuation

MetricAXPC
P/E ratio19.6414.99
Forward P/E18.4012.40
P/S ratio2.611.37
P/B ratio6.401.12

Profitability

MetricAXPC
Gross margin84.35%46.63%
Operating margin17.14%14.18%
Net margin13.61%10.24%
ROE33.39%8.41%

Dividends

MetricAXPC
Dividend yield1.10%1.78%
Payout ratio21.42%26.67%

Growth (annualized)

MetricAXPC
Revenue CAGR (5Y)16.23%16.66%
EPS CAGR (5Y)32.53%8.77%
Total return CAGR (5Y)16.52%18.75%

Frequently asked

Which has the lower trailing P/E, AXP or C?
C has the lower trailing P/E: AXP trades at 19.64 and C at 14.99. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, AXP or C?
Over the past five years, C grew revenue faster — AXP at a 16.23% CAGR versus C at 16.66%.
Does AXP or C pay a bigger dividend?
AXP yields 1.10% and C yields 1.78% based on trailing dividends and the latest price.
Is AXP or C more profitable?
AXP runs the higher net margin — AXP at 13.61% versus C at 10.24%.
How have AXP and C total returns compared?
Over the past 10 years, AXP delivered 18.90% and C delivered 14.78% annualized total return. Past performance doesn't predict future results.

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 September 10, 2026.