Citigroup Inc. (C) vs Morgan Stanley (MS)
A side-by-side comparison of Citigroup Inc. and Morgan Stanley 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.
C
Citigroup Inc.
$138.82Financial ServicesDelayed quote: Sep 11, 2026, 4:02 PM EDT
MS
Morgan Stanley
$214.38Financial ServicesDelayed quote: Sep 11, 2026, 3:59 PM EDT
Total return — C vs MS
growth of $100 · dividends reinvested · last 10yC +294.4% (+14.7%/yr)MS +790.6% (+24.4%/yr)MS compounded faster over this window
C MS
C vs MS: by the numbers
- •MS is the larger company ($338.14B vs $238.06B market cap).
- •C trades at the lower trailing earnings multiple (14.99 vs 17.46 P/E), one valuation lens rather than an overall verdict.
- •MS converts more revenue to profit (15.99% vs 10.24% net margin).
- •MS grew revenue faster over the past five years (18.41% vs 16.66% CAGR).
- •MS pays the higher dividend yield (1.95% vs 1.78%).
Metrics side by side
Valuation
| Metric | C | MS |
|---|---|---|
| P/E ratio | 14.99 | 17.46 |
| Forward P/E | 12.40 | 16.62 |
| P/S ratio | 1.37 | 2.67 |
| P/B ratio | 1.12 | 3.06 |
Profitability
| Metric | C | MS |
|---|---|---|
| Gross margin | 46.63% | 59.72% |
| Operating margin | 14.18% | 20.70% |
| Net margin | 10.24% | 15.99% |
| ROE | 8.41% | 18.32% |
Dividends
| Metric | C | MS |
|---|---|---|
| Dividend yield | 1.78% | 1.95% |
| Payout ratio | 26.67% | 33.79% |
Growth (annualized)
| Metric | C | MS |
|---|---|---|
| Revenue CAGR (5Y) | 16.66% | 18.41% |
| EPS CAGR (5Y) | 8.77% | 9.56% |
| Total return CAGR (5Y) | 18.75% | 19.18% |
Frequently asked
- Which has the lower trailing P/E, C or MS?
- C has the lower trailing P/E: C trades at 14.99 and MS at 17.46. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, C or MS?
- Over the past five years, MS grew revenue faster — C at a 16.66% CAGR versus MS at 18.41%.
- Does C or MS pay a bigger dividend?
- C yields 1.78% and MS yields 1.95% based on trailing dividends and the latest price.
- Is C or MS more profitable?
- MS runs the higher net margin — C at 10.24% versus MS at 15.99%.
- How have C and MS total returns compared?
- Over the past 10 years, C delivered 14.78% and MS delivered 24.44% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citigroup P/E ratioMorgan Stanley P/E ratioCitigroup dividend yieldMorgan Stanley dividend yieldCitigroup ROEMorgan Stanley ROECitigroup operating marginMorgan Stanley operating marginCitigroup revenue growthMorgan Stanley revenue growth
Citigroup & Morgan Stanley 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.