Citigroup Inc. (C) vs The Goldman Sachs Group, Inc. (GS)
A side-by-side comparison of Citigroup Inc. and The Goldman Sachs Group, 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.
C
Citigroup Inc.
$132.49Financial ServicesDelayed quote: Jul 28, 2026, 3:59 PM EDT
GS
The Goldman Sachs Group, Inc.
$1,033.34Financial ServicesDelayed quote: Jul 28, 2026, 4:00 PM EDT
Total return — C vs GS
growth of $100 · dividends reinvested · last 27yC -33.5%GS +2019.5%GS compounded faster
Log scale — wide-divergence pair
C GS
C vs GS: by the numbers
- •GS is the larger company ($304.84B vs $227.21B market cap).
- •C trades at the lower trailing earnings multiple (14.37 vs 16.18 P/E), one valuation lens rather than an overall verdict.
- •GS converts more revenue to profit (17.78% vs 11.59% net margin).
- •C pays the higher dividend yield (1.80% vs 1.62%).
Metrics side by side
Valuation
| Metric | C | GS |
|---|---|---|
| P/E ratio | 14.37 | 16.18 |
| Forward P/E | 11.92 | 15.11 |
| P/S ratio | 1.50 | 2.71 |
| P/B ratio | 1.09 | 2.60 |
| PEG ratio | 0.81 | 0.65 |
Profitability
| Metric | C | GS |
|---|---|---|
| Gross margin | 44.55% | 47.48% |
| Operating margin | 16.09% | 24.81% |
| Net margin | 11.59% | 17.78% |
| ROE | 8.40% | 17.05% |
| ROIC | 0.95% | 1.92% |
Dividends
| Metric | C | GS |
|---|---|---|
| Dividend yield | 1.80% | 1.62% |
| Payout ratio | 33.20% | 32.72% |
Growth (annualized)
| Metric | C | GS |
|---|---|---|
| Revenue CAGR (5Y) | 13.75% | 13.76% |
| EPS CAGR (5Y) | 8.77% | 15.75% |
| Total return CAGR (5Y) | 18.16% | 25.27% |
Frequently asked
- Which has the lower trailing P/E, C or GS?
- C has the lower trailing P/E: C trades at 14.37 and GS at 16.18. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, C or GS?
- Over the past five years, GS grew revenue faster — C at a 13.75% CAGR versus GS at 13.76%.
- Does C or GS pay a bigger dividend?
- C yields 1.80% and GS yields 1.62% based on trailing dividends and the latest price.
- Is C or GS more profitable?
- GS runs the higher net margin — C at 11.59% versus GS at 17.78%.
- How have C and GS total returns compared?
- Over the past 10 years, C delivered 14.95% and GS delivered 22.84% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citigroup P/E ratioGoldman Sachs P/E ratioCitigroup dividend yieldGoldman Sachs dividend yieldCitigroup ROEGoldman Sachs ROECitigroup operating marginGoldman Sachs operating marginCitigroup revenue growthGoldman Sachs revenue growthCitigroup free cash flowGoldman Sachs free cash flow
Citigroup & Goldman Sachs 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 July 28, 2026.