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C vs. UBS: Citigroup vs. UBS Stock Comparison

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

Company profile comparison for Citigroup (C) and UBS (UBS)
Profile ItemCUBS
NameCitigroup Inc.UBS Group AG
Country/RegionUnited StatesSwitzerland
GICS SectorFinancialsFinancials
GICS Industry GroupBanksFinancial Services
GICS IndustryBanksCapital Markets
GICS Sub-IndustryDiversified BanksDiversified Capital Markets
Market Capitalization197.05 billion USD144.79 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJanuary 3, 1977May 16, 2000
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

C
UBS
GSPC
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Citigroup (C) vs. UBS (UBS), 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 UBS (UBS). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Citigroup (C) and UBS (UBS)
MetricCUBS
Total Return (1Y)23.42%30.78%
Total Return (3Y, Annualized)47.29%29.39%
Total Return (5Y, Annualized)16.24%25.00%

Risk Profile

Drawdown History

C
UBS
GSPC
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Citigroup (C) vs. UBS (UBS), 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 UBS (UBS). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Citigroup (C) and UBS (UBS)
MetricCUBS
Volatility (1Y, Annualized)29.96%27.78%
Beta (5Y)1.171.15
Max Drawdown (5Y)-40.60%-32.48%
Avg. Volume (3M)9.35M1.93M

Risk-Adjusted Performance

Risk-Return Positioning

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C and UBS 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 UBS (UBS)
MetricCUBS
Sharpe Ratio (1Y)0.640.95
Sortino Ratio (1Y)0.901.44

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Citigroup (C) earns 9.35% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.

C

Banks industry group

9.35%

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

UBS

Financial Services industry group

--

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
UBS
--
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Citigroup (C) vs. UBS (UBS): UBS does not report ROE, so it has no value marker; C is benchmarked against the Banks industry group.

Net Margin (TTM)

UBS (UBS) at 18.18% 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%

UBS

Financial Services industry group

18.18%

Max
62.84%
Q3
28.05%
UBS
18.18%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Citigroup (C) vs. UBS (UBS): A comparison of their net margin against their respective Banks and Financial Services industry group benchmarks.

Operating Margin (TTM)

UBS (UBS) reports operating margin of 27.10%; 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
--

UBS

Financial Services industry group

27.10%

Max
107.33%
Q3
55.90%
Median
30.09%
UBS
27.10%
Q1
14.60%
Min
-44.34%
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Citigroup (C) vs. UBS (UBS): C’s operating margin is not assessed under the Banks industry convention, so the chart shows available visual context for UBS only.

Profitability Metrics

Profitability metrics for Citigroup (C) and UBS (UBS)
MetricCUBS
ROE (TTM)9.35%--
ROA (TTM)0.71%--
Net Margin (TTM)23.21%18.18%
Operating Margin (TTM)--27.10%
Gross Margin (TTM)----

Growth

Revenue Growth

UBS (UBS) at 4.30% 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.

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

EPS Growth

UBS (UBS) at 55.26% 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 UBS.

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

Growth Metrics

Growth metrics for Citigroup (C) and UBS (UBS)
MetricCUBS
Revenue Growth (YoY)5.63%4.30%
Revenue Growth (3Y CAGR)4.59%12.44%
EPS Growth (YoY)17.68%55.26%
EPS Growth (3Y CAGR)-0.05%1.60%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

UBS (UBS) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Citigroup (C) reports a yield of 2.09%, ranking against industry peers normally.

C

Banks industry group

2.09%

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

UBS

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
UBS
0.00%
Q1
0.00%
Min
0.00%
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Citigroup (C) vs. UBS (UBS): 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 UBS (UBS) at 36.30% 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%

UBS

Financial Services industry group

36.30%

Max
241.07%
Q3
97.36%
UBS
36.30%
Median
25.77%
Q1
0.00%
Min
0.00%
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Citigroup (C) vs. UBS (UBS): A comparison of their payout ratio against their respective Banks and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Citigroup (C) and UBS (UBS)
MetricCUBS
Dividend Yield (TTM)2.09%0.00%
Dividend Payout Ratio (TTM)24.07%36.30%

Valuation

P/E Ratio (TTM)

Both Citigroup (C) at 11.60 and UBS (UBS) at 15.77 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

UBS

Financial Services industry group

15.77

Max
45.85
Q3
24.64
UBS
15.77
Median
15.37
Q1
9.68
Min
0.16
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Citigroup (C) vs. UBS (UBS): A comparison of their P/E ratio against their respective Banks and Financial Services industry group benchmarks.

P/S Ratio (TTM)

UBS (UBS) shows P/S ratio of 2.71; 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
--

UBS

Financial Services industry group

2.71

Max
9.23
Q3
4.57
Median
2.72
UBS
2.71
Q1
1.28
Min
-0.55
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Citigroup (C) vs. UBS (UBS): C’s P/S ratio is not assessed under the Banks industry convention, so the chart shows available visual context for UBS only.

P/B Ratio (MRQ)

Citigroup (C) at 1.03 sits in the lower P/B ratio quartile against book while UBS (UBS) at 1.64 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

UBS

Financial Services industry group

1.64

Max
7.79
Q3
3.63
UBS
1.64
Median
1.57
Q1
0.81
Min
-0.39
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Citigroup (C) vs. UBS (UBS): 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 UBS (UBS)
MetricCUBS
P/E Ratio (TTM)11.6015.77
P/S Ratio (TTM)--2.71
P/B Ratio (MRQ)1.031.64
Free Cash Flow Yield (TTM)----