On trailing earnings, C is cheaper: C trades at a 17.33 P/E and MS at 19.46.

Which has grown faster, C or MS?

Over the past five years, MS grew revenue faster — C at a 15.26% CAGR versus MS at 17.47%.

Does C or MS pay a bigger dividend?

C yields 1.72% and MS yields 1.87% based on trailing dividends and the latest price.

Is C or MS more profitable?

MS runs the higher net margin — C at 9.34% versus MS at 15.13%.

Which has been the better investment, C or MS?

Over the past 10-year, MS delivered the higher annualized total return — C at 15.70% versus MS at 27.20%. Past performance doesn't predict future results.

Citigroup Inc. (C) vs Morgan Stanley (MS)

MS leads on 12 of 16 compared metrics, though C is the cheaper stock.

A side-by-side comparison of Citigroup Inc. and Morgan Stanley across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 13, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

Citigroup Inc.

$238.49B

$139.83Financial Services

Morgan Stanley

$337.60B

$214.04Financial Services

Total return — C vs MS

growth of $100 · last 30y

C +33.6%MS +1582.7%MS compounded faster

Log scale — wide-divergence pair

C MS

C vs MS: by the numbers

•MS is the larger company ($337.60B vs $238.49B market cap).
•C trades at the lower earnings multiple (17.33 vs 19.46 P/E).
•MS converts more revenue to profit (15.13% vs 9.34% net margin).
•MS grew revenue faster over the past five years (17.47% vs 15.26% CAGR).
•MS pays the higher dividend yield (1.87% vs 1.72%).

Which is better, C or MS?

Metric tally: C 4 · MS 12

It depends on what you're optimizing for:

ValueC(lower P/E)

GrowthMS(faster 5Y revenue CAGR)

IncomeMS(higher dividend yield)

QualityMS(higher ROIC)

Valuation

Metric	C	MS
P/E ratio	17.33●	19.46
Forward P/E	11.19●	18.00
P/S ratio	1.45●	2.84
P/B ratio	1.18●	2.98
PEG ratio	0.75	0.58●
EV / EBITDA	40.38	22.11●

Profitability

Metric	C	MS
Gross margin	45.48%	57.99%●
Operating margin	12.79%	19.48%●
Net margin	9.34%	15.13%●
ROE	7.58%	15.91%●
ROIC	0.95%	1.69%●

Dividends

Metric	C	MS
Dividend yield	1.72%	1.87%●
Payout ratio	33.20%	38.68%

Growth (annualized)

Metric	C	MS
Revenue CAGR (5Y)	15.26%	17.47%●
EPS CAGR (5Y)	8.77%	9.56%●
FCF CAGR (5Y)	-5.16%	28.69%●
Total return CAGR (5Y)	16.79%	22.22%●

Frequently asked

Which is better, C or MS?: It depends on your goal. value: C (lower P/E); growth: MS (faster 5Y revenue CAGR); income: MS (higher dividend yield); quality: MS (higher ROIC). Across all compared metrics, MS leads 12 to 4.
Is C or MS cheaper?: On trailing earnings, C is cheaper: C trades at a 17.33 P/E and MS at 19.46.
Which has grown faster, C or MS?: Over the past five years, MS grew revenue faster — C at a 15.26% CAGR versus MS at 17.47%.
Does C or MS pay a bigger dividend?: C yields 1.72% and MS yields 1.87% based on trailing dividends and the latest price.
Is C or MS more profitable?: MS runs the higher net margin — C at 9.34% versus MS at 15.13%.
Which has been the better investment, C or MS?: Over the past 10-year, MS delivered the higher annualized total return — C at 15.70% versus MS at 27.20%. Past performance doesn't predict future results.

Go deeper

Full C analysis Full MS analysis Interactive comparison tool

Dig into the metrics

Citigroup P/E ratio Morgan Stanley P/E ratio Citigroup dividend yield Morgan Stanley dividend yield Citigroup ROE Morgan Stanley ROE Citigroup operating margin Morgan Stanley operating margin Citigroup revenue growth Morgan Stanley revenue growth Citigroup free cash flow Morgan Stanley free cash flow

Citigroup & Morgan Stanley appear in these rankings

Fastest Revenue Growth Stocks Best 10-Year Total Return Stocks Largest Companies by Market Cap

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 June 13, 2026.