Seek Returns

C vs. GS: Citigroup vs. Goldman Sachs Stock Comparison

How do Citigroup (C) and Goldman Sachs (GS) 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 Goldman Sachs (GS) share the Financials sector but sit in different industry groups — C in Banks and GS in Financial Services.

Company profile comparison for Citigroup (C) and Goldman Sachs (GS)
Profile ItemCGS
NameCitigroup Inc.The Goldman Sachs Group, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupBanksFinancial Services
GICS IndustryBanksCapital Markets
GICS Sub-IndustryDiversified BanksInvestment Banking & Brokerage
Market Capitalization197.05 billion USD249.73 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJanuary 3, 1977May 4, 1999
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

C
GS
GSPC
Loading price history…
Citigroup (C) vs. Goldman Sachs (GS), 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

Loading price history…
Trailing total returns for Citigroup (C) and Goldman Sachs (GS). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Citigroup (C) and Goldman Sachs (GS). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Citigroup (C) and Goldman Sachs (GS)
MetricCGS
Total Return (1Y)23.42%17.85%
Total Return (3Y, Annualized)47.29%44.69%
Total Return (5Y, Annualized)16.24%20.41%

Risk Profile

Drawdown History

C
GS
GSPC
Loading price history…
Citigroup (C) vs. Goldman Sachs (GS), 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

Loading price history…
Distribution of monthly total returns for Citigroup (C) and Goldman Sachs (GS). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Citigroup (C) and Goldman Sachs (GS)
MetricCGS
Volatility (1Y, Annualized)29.96%33.28%
Beta (5Y)1.171.27
Max Drawdown (5Y)-40.60%-30.90%
Avg. Volume (3M)9.35M2.10M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
C and GS 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 Goldman Sachs (GS)
MetricCGS
Sharpe Ratio (1Y)0.640.41
Sortino Ratio (1Y)0.900.59

Profitability

ROE (TTM)

Goldman Sachs (GS) at 17.71% 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%

GS

Financial Services industry group

17.71%

Max
44.78%
Q3
21.85%
GS
17.71%
Median
12.91%
Q1
4.48%
Min
-18.71%
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): A comparison of their ROE against their respective Banks and Financial Services industry group benchmarks.

Net Margin (TTM)

Goldman Sachs (GS) at 31.21% keeps a top-quartile share of each sales dollar as profit, while Citigroup (C) at 23.21% keeps 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%

GS

Financial Services industry group

31.21%

Max
62.84%
GS
31.21%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): A comparison of their net margin against their respective Banks and Financial Services industry group benchmarks.

Operating Margin (TTM)

Goldman Sachs (GS) reports operating margin of 38.37%; 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
--

GS

Financial Services industry group

38.37%

Max
107.33%
Q3
55.90%
GS
38.37%
Median
30.09%
Q1
14.60%
Min
-44.34%
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): C’s operating margin is not assessed under the Banks industry convention, so the chart shows available visual context for GS only.

Profitability Metrics

Profitability metrics for Citigroup (C) and Goldman Sachs (GS)
MetricCGS
ROE (TTM)9.35%17.71%
ROA (TTM)0.71%1.11%
Net Margin (TTM)23.21%31.21%
Operating Margin (TTM)--38.37%
Gross Margin (TTM)----

Growth

Revenue Growth

Goldman Sachs (GS) at 8.92% 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.

Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Citigroup (C) at 17.68% and Goldman Sachs (GS) at 26.59% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Citigroup (C) and Goldman Sachs (GS)
MetricCGS
Revenue Growth (YoY)5.63%8.92%
Revenue Growth (3Y CAGR)4.59%7.16%
EPS Growth (YoY)17.68%26.59%
EPS Growth (3Y CAGR)-0.05%19.52%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Citigroup (C) in Banks and Goldman Sachs (GS) 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 Goldman Sachs (GS) 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 Goldman Sachs (GS)
MetricCGS
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Citigroup (C) at 2.09% and Goldman Sachs (GS) at 2.07% 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%

GS

Financial Services industry group

2.07%

Max
9.77%
Q3
3.92%
GS
2.07%
Median
1.09%
Q1
0.00%
Min
0.00%
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): 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 Goldman Sachs (GS) at 25.88% 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%

GS

Financial Services industry group

25.88%

Max
241.07%
Q3
97.36%
GS
25.88%
Median
25.77%
Q1
0.00%
Min
0.00%
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): A comparison of their payout ratio against their respective Banks and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Citigroup (C) and Goldman Sachs (GS)
MetricCGS
Dividend Yield (TTM)2.09%2.07%
Dividend Payout Ratio (TTM)24.07%25.88%

Valuation

P/E Ratio (TTM)

Both Citigroup (C) at 11.60 and Goldman Sachs (GS) at 12.45 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

C

Banks industry group

11.60

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

GS

Financial Services industry group

12.45

Max
45.85
Q3
24.64
Median
15.37
GS
12.45
Q1
9.68
Min
0.16
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): A comparison of their P/E ratio against their respective Banks and Financial Services industry group benchmarks.

P/S Ratio (TTM)

Goldman Sachs (GS) shows P/S ratio of 3.52; 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
--

GS

Financial Services industry group

3.52

Max
9.23
Q3
4.57
GS
3.52
Median
2.72
Q1
1.28
Min
-0.55
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): C’s P/S ratio is not assessed under the Banks industry convention, so the chart shows available visual context for GS only.

P/B Ratio (MRQ)

Citigroup (C) at 1.03 sits in the lower P/B ratio quartile against book while Goldman Sachs (GS) at 2.36 is valued near its industry’s middle — C is cheaper on assets, though weigh it against ROE and asset quality.

C

Banks industry group

1.03

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

GS

Financial Services industry group

2.36

Max
7.79
Q3
3.63
GS
2.36
Median
1.57
Q1
0.81
Min
-0.39
Loading chart…
Citigroup (C) vs. Goldman Sachs (GS): 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 Goldman Sachs (GS)
MetricCGS
P/E Ratio (TTM)11.6012.45
P/S Ratio (TTM)--3.52
P/B Ratio (MRQ)1.032.36
Free Cash Flow Yield (TTM)----