Citigroup Inc. (C) vs JPMorgan Chase & Co. (JPM)

Citigroup Inc. and JPMorgan Chase & Co. are both Banks Diversified companies. JPMorgan Chase & Co. is the larger, with a market value of $891.9B against $206.7B — 4.3× the size. Citigroup Inc. trades at the lower P/E: 12.1× against 14.1×. JPMorgan Chase & Co. grew revenue faster over the last twelve months: 8.72% against 4.74%. JPMorgan Chase & Co. has the higher net margin (21.4% vs 10.4%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Citigroup Inc. yields more (1.99% vs 1.81%). Across the 16 metrics below, Citigroup Inc. leads on 8 and JPMorgan Chase & Co. on 8.

Valuation

Metric C JPM Banks Diversified median
P/E 12.07 14.15 11.97
P/S 1.32 3.01 2.60
P/B 1.20 2.59 1.59
Price to free cash flow n/m n/m 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.29% 7.07% 8.36%
Free cash flow yield (10.54%) (17.86%) 7.80%

Profitability

Metric C JPM Banks Diversified median
Gross margin 52.85% 67.29% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 21.37% 18.44%
Free cash flow margin 0.00% 0.00% 0.00%
Return on equity 9.40% 18.66% 10.89%
Return on assets 0.65% 1.34% 0.76%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric C JPM Banks Diversified median
Revenue growth (TTM) 4.74% 8.72% 5.49%
EPS growth (last fiscal year) 17.68% 1.37% 18.19%
Revenue growth, 5-year CAGR 13.63% 16.63% 14.34%
Net income growth, 5-year CAGR 5.68% 15.23% 10.77%

Health

Metric C JPM Banks Diversified median
Debt to equity 1.63 1.24 1.43
Current ratio 1.05 0.85 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C JPM Banks Diversified median
Dividend yield 1.99% 1.81% 2.29%
Payout ratio 0.23 0.26 0.27

Size

Metric C JPM Banks Diversified median
Market cap 206.68b 891.90b 201.23b

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