Citigroup Inc. (C) vs Wells Fargo & Company (WFC)
A side-by-side comparison of Citigroup Inc. and Wells Fargo & Company 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
WFC
Wells Fargo & Company
$86.87Financial ServicesDelayed quote: Jul 28, 2026, 4:02 PM EDT
Total return — C vs WFC
growth of $100 · dividends reinvested · last 30yC +151.7%WFC +2179.1%WFC compounded faster
Log scale — wide-divergence pair
C WFC
C vs WFC: by the numbers
- •WFC is the larger company ($265.84B vs $227.21B market cap).
- •WFC trades at the lower trailing earnings multiple (12.59 vs 14.37 P/E), one valuation lens rather than an overall verdict.
- •WFC converts more revenue to profit (17.54% vs 11.59% net margin).
- •C grew revenue faster over the past five years (13.75% vs 9.78% CAGR).
- •WFC pays the higher dividend yield (2.06% vs 1.80%).
Metrics side by side
Valuation
| Metric | C | WFC |
|---|---|---|
| P/E ratio | 14.37 | 12.59 |
| Forward P/E | 11.92 | 12.02 |
| P/S ratio | 1.50 | 2.08 |
| P/B ratio | 1.09 | 1.49 |
| PEG ratio | 0.81 | 0.82 |
Profitability
| Metric | C | WFC |
|---|---|---|
| Gross margin | 44.55% | 64.50% |
| Operating margin | 16.09% | 21.17% |
| Net margin | 11.59% | 17.54% |
| ROE | 8.40% | 12.57% |
| ROIC | 0.95% | 3.16% |
Dividends
| Metric | C | WFC |
|---|---|---|
| Dividend yield | 1.80% | 2.06% |
| Payout ratio | 33.20% | 28.17% |
Growth (annualized)
| Metric | C | WFC |
|---|---|---|
| Revenue CAGR (5Y) | 13.75% | 9.78% |
| EPS CAGR (5Y) | 8.77% | 72.38% |
| Total return CAGR (5Y) | 18.16% | 16.70% |
Frequently asked
- Which has the lower trailing P/E, C or WFC?
- WFC has the lower trailing P/E: C trades at 14.37 and WFC at 12.59. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, C or WFC?
- Over the past five years, C grew revenue faster — C at a 13.75% CAGR versus WFC at 9.78%.
- Does C or WFC pay a bigger dividend?
- C yields 1.80% and WFC yields 2.06% based on trailing dividends and the latest price.
- Is C or WFC more profitable?
- WFC runs the higher net margin — C at 11.59% versus WFC at 17.54%.
- How have C and WFC total returns compared?
- Over the past 10 years, C delivered 14.95% and WFC delivered 9.12% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citigroup P/E ratioWells Fargo & P/E ratioCitigroup dividend yieldWells Fargo & dividend yieldCitigroup ROEWells Fargo & ROECitigroup operating marginWells Fargo & operating marginCitigroup revenue growthWells Fargo & revenue growthCitigroup free cash flowWells Fargo & free cash flow
Citigroup & Wells Fargo & 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.