C vs. DB: Citigroup vs. Deutsche Bank Stock Comparison

November 11, 2026

How do Citigroup (C) and Deutsche Bank (DB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Citigroup (C) and Deutsche Bank (DB) share the Financials sector but sit in different industry groups — C in Banks and DB in Financial Services.

Company profile comparison for Citigroup (C) and Deutsche Bank (DB)
Profile Item	C	DB
Name	Citigroup Inc.	Deutsche Bank AG
Country/Region	United States	Germany
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Financial Services
GICS Industry	Banks	Capital Markets
GICS Sub-Industry	Diversified Banks	Diversified Capital Markets
Market Capitalization	197.05 billion USD	64.60 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	January 3, 1977	November 18, 1996
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

GSPC

Citigroup (C) vs. Deutsche Bank (DB), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Citigroup (C) and Deutsche Bank (DB). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Citigroup (C) and Deutsche Bank (DB). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
Total Return (1Y)	23.42%	3.59%
Total Return (3Y, Annualized)	47.29%	52.91%
Total Return (5Y, Annualized)	16.24%	26.98%

Risk Profile

Drawdown History

GSPC

Citigroup (C) vs. Deutsche Bank (DB), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Citigroup (C) and Deutsche Bank (DB). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
Volatility (1Y, Annualized)	29.96%	35.30%
Beta (5Y)	1.17	1.04
Max Drawdown (5Y)	-40.60%	-54.19%
Avg. Volume (3M)	9.35M	2.22M

Risk-Adjusted Performance

Risk-Return Positioning

C and DB are plotted by 1-year volatility (risk) and 1-year return. Each dashed Capital Allocation Line uses that stock's own industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
Sharpe Ratio (1Y)	0.64	-0.02
Sortino Ratio (1Y)	0.90	-0.03

Profitability

ROE (TTM)

Deutsche Bank (DB) at 8.98% is around its peer norm for ROE, while Citigroup (C) at 9.35% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

C

Banks industry group

9.35%

Max: 19.84%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
C: 9.35%
Min: 3.64%

DB

Financial Services industry group

8.98%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
DB: 8.98%
Q1: 4.48%
Min: -18.71%

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their ROE against their respective Banks and Financial Services industry group benchmarks.

Net Margin (TTM)

Deutsche Bank (DB) at 22.67% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 23.21% retains only a bottom-quartile share.

C

Banks industry group

23.21%

Max: 47.19%
Q3: 35.25%
Median: 31.21%
Q1: 27.11%
C: 23.21%
Min: 14.93%

DB

Financial Services industry group

22.67%

Max: 62.84%
Q3: 28.05%
DB: 22.67%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their net margin against their respective Banks and Financial Services industry group benchmarks.

Operating Margin (TTM)

Deutsche Bank (DB) reports operating margin of 33.58%; Citigroup (C) doesn’t report a comparable line — in Banks, funding costs sit inside the core business rather than below an operating line, so profitability is better judged on net margin or ROE.

C

Banks industry group

C: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

DB

Financial Services industry group

33.58%

Max: 107.33%
Q3: 55.90%
DB: 33.58%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

Citigroup (C) vs. Deutsche Bank (DB): C’s operating margin is not assessed under the Banks industry convention, so the chart shows available visual context for DB only.

Profitability Metrics

Profitability metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
ROE (TTM)	9.35%	8.98%
ROA (TTM)	0.71%	0.48%
Net Margin (TTM)	23.21%	22.67%
Operating Margin (TTM)	--	33.58%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Deutsche Bank (DB) at 6.83% is around its peer norm for revenue growth, while Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their Revenue Growth across different time periods.

EPS Growth

Deutsche Bank (DB) at 130.39% sits in the top EPS growth quartile, while Citigroup (C) at 17.68% is closer to the peer norm — faster per-share earnings growth for DB.

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
Revenue Growth (YoY)	5.63%	6.83%
Revenue Growth (3Y CAGR)	4.59%	6.39%
EPS Growth (YoY)	17.68%	130.39%
EPS Growth (3Y CAGR)	-0.05%	10.02%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Citigroup (C) in Banks and Deutsche Bank (DB) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Citigroup (C) in Banks and Deutsche Bank (DB) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Citigroup (C) at 2.09% and Deutsche Bank (DB) at 2.75% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

C

Banks industry group

2.09%

Max: 5.79%
Q3: 3.18%
Median: 2.39%
C: 2.09%
Q1: 1.20%
Min: 0.00%

DB

Financial Services industry group

2.75%

Max: 9.77%
Q3: 3.92%
DB: 2.75%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their dividend yield against their respective Banks and Financial Services industry group benchmarks.

Dividend Payout Ratio (TTM)

Both Citigroup (C) at 24.07% and Deutsche Bank (DB) at 30.04% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

C

Banks industry group

24.07%

Max: 70.75%
Q3: 41.28%
Median: 29.26%
C: 24.07%
Q1: 18.98%
Min: 0.00%

DB

Financial Services industry group

30.04%

Max: 241.07%
Q3: 97.36%
DB: 30.04%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their payout ratio against their respective Banks and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
Dividend Yield (TTM)	2.09%	2.75%
Dividend Payout Ratio (TTM)	24.07%	30.04%

Valuation

P/E Ratio (TTM)

Deutsche Bank (DB) at 9.00 sits in the cheaper P/E ratio quartile, while Citigroup (C) at 11.60 is closer to its industry’s usual earnings multiple — a discount for DB, though growth and earnings durability still matter.

C

Banks industry group

11.60

Max: 18.16
Q3: 13.75
Median: 11.81
C: 11.60
Q1: 10.64
Min: 6.49

DB

Financial Services industry group

9.00

Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
DB: 9.00
Min: 0.16

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their P/E ratio against their respective Banks and Financial Services industry group benchmarks.

P/S Ratio (TTM)

Deutsche Bank (DB) shows P/S ratio of 2.11; for Citigroup (C) the multiple is skipped — in Banks, income is dominated by interest spread rather than a conventional revenue line, so pricing per dollar of sales loses meaning and book- or earnings-based multiples carry the comparison.

C

Banks industry group

C: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

DB

Financial Services industry group

2.11

Max: 9.23
Q3: 4.57
Median: 2.72
DB: 2.11
Q1: 1.28
Min: -0.55

Citigroup (C) vs. Deutsche Bank (DB): C’s P/S ratio is not assessed under the Banks industry convention, so the chart shows available visual context for DB only.

P/B Ratio (MRQ)

Relative to net asset value, both Citigroup (C) at 1.03 and Deutsche Bank (DB) at 0.72 look inexpensive, sitting in the lower P/B ratio quartile of their industries.

C

Banks industry group

1.03

Max: 2.28
Q3: 1.58
Median: 1.32
Q1: 1.10
C: 1.03
Min: 0.59

DB

Financial Services industry group

0.72

Max: 7.79
Q3: 3.63
Median: 1.57
Q1: 0.81
DB: 0.72
Min: -0.39

Citigroup (C) vs. Deutsche Bank (DB): A comparison of their P/B ratio against their respective Banks and Financial Services industry group benchmarks.

Valuation Metrics

Valuation metrics for Citigroup (C) and Deutsche Bank (DB)
Metric	C	DB
P/E Ratio (TTM)	11.60	9.00
P/S Ratio (TTM)	--	2.11
P/B Ratio (MRQ)	1.03	0.72
Free Cash Flow Yield (TTM)	--	--