Citigroup Inc. (C) vs Microsoft Corporation (MSFT)
A side-by-side comparison of Citigroup Inc. and Microsoft Corporation 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.
Different business models: C is classified in Financial Services; MSFT is classified in Technology. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
C
Citigroup Inc.
$132.49Financial ServicesDelayed quote: Jul 28, 2026, 3:59 PM EDT
MSFT
Microsoft Corporation
$393.35TechnologyDelayed quote: Jul 28, 2026, 4:00 PM EDT
Total return — C vs MSFT
growth of $100 · dividends reinvested · last 30yC +152.3%MSFT +7530.9%MSFT compounded faster
Log scale — wide-divergence pair
C MSFT
C vs MSFT: by the numbers
- •MSFT is the larger company ($2.92T vs $227.21B market cap).
- •C trades at the lower trailing earnings multiple (14.37 vs 23.16 P/E), one valuation lens rather than an overall verdict.
- •MSFT converts more revenue to profit (39.34% vs 11.59% net margin).
- •MSFT grew revenue faster over the past five years (14.75% vs 13.75% CAGR).
- •C pays the higher dividend yield (1.80% vs 0.91%).
Metrics side by side
Valuation
| Metric | C | MSFT |
|---|---|---|
| P/E ratio | 14.37 | 23.16 |
| Forward P/E | 11.92 | 22.87 |
| P/S ratio | 1.50 | 9.10 |
| P/B ratio | 1.09 | 6.99 |
| PEG ratio | 0.81 | 2.34 |
| EV / EBITDA | N/A | 15.53 |
| FCF yield | N/A | 2.52% |
Profitability
| Metric | C | MSFT |
|---|---|---|
| Gross margin | 44.55% | 68.31% |
| Operating margin | 16.09% | 46.80% |
| Net margin | 11.59% | 39.34% |
| ROE | 8.40% | 30.22% |
| ROIC | 0.95% | 21.63% |
Dividends
| Metric | C | MSFT |
|---|---|---|
| Dividend yield | 1.80% | 0.91% |
| Payout ratio | 33.20% | 25.99% |
Growth (annualized)
| Metric | C | MSFT |
|---|---|---|
| Revenue CAGR (5Y) | 13.75% | 14.75% |
| EPS CAGR (5Y) | 8.77% | 18.68% |
| FCF CAGR (5Y) | N/A | 6.27% |
| Total return CAGR (5Y) | 18.16% | 7.19% |
Frequently asked
- Which has the lower trailing P/E, C or MSFT?
- C has the lower trailing P/E: C trades at 14.37 and MSFT at 23.16. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, C or MSFT?
- Over the past five years, MSFT grew revenue faster — C at a 13.75% CAGR versus MSFT at 14.75%.
- Does C or MSFT pay a bigger dividend?
- C yields 1.80% and MSFT yields 0.91% based on trailing dividends and the latest price.
- Is C or MSFT more profitable?
- MSFT runs the higher net margin — C at 11.59% versus MSFT at 39.34%.
- How have C and MSFT total returns compared?
- Over the past 10 years, C delivered 14.95% and MSFT delivered 22.86% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citigroup P/E ratioMicrosoft P/E ratioCitigroup dividend yieldMicrosoft dividend yieldCitigroup ROEMicrosoft ROECitigroup operating marginMicrosoft operating marginCitigroup revenue growthMicrosoft revenue growthCitigroup free cash flowMicrosoft free cash flow
Citigroup & Microsoft appear in these rankings
Highest ROE StocksHighest ROIC StocksHighest Operating Margin StocksHighest 10-Year Total Return Stocks
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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.