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.
AXP
American Express Company
$324.69Financial ServicesDelayed quote: Sep 11, 2026, 4:00 PM EDT
C
Citigroup Inc.
$138.82Financial ServicesDelayed quote: Sep 11, 2026, 4:02 PM EDT
Total return — AXP vs C
growth of $100 · dividends reinvested · last 10yAXP +474.4% (+19.1%/yr)C +302.0% (+14.9%/yr)AXP compounded faster over this window
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
| Metric | AXP | C |
|---|---|---|
| P/E ratio | 19.64 | 14.99 |
| Forward P/E | 18.40 | 12.40 |
| P/S ratio | 2.61 | 1.37 |
| P/B ratio | 6.40 | 1.12 |
Profitability
| Metric | AXP | C |
|---|---|---|
| Gross margin | 84.35% | 46.63% |
| Operating margin | 17.14% | 14.18% |
| Net margin | 13.61% | 10.24% |
| ROE | 33.39% | 8.41% |
Dividends
| Metric | AXP | C |
|---|---|---|
| Dividend yield | 1.10% | 1.78% |
| Payout ratio | 21.42% | 26.67% |
Growth (annualized)
| Metric | AXP | C |
|---|---|---|
| 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.
Go deeper
Dig into the metrics
American Express P/E ratioCitigroup P/E ratioAmerican Express dividend yieldCitigroup dividend yieldAmerican Express ROECitigroup ROEAmerican Express operating marginCitigroup operating marginAmerican Express revenue growthCitigroup revenue growth
American Express & Citigroup appear in these rankings
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.