Head to head · SEC data as of September 11, 2026
JPMorgan
77
Quality score · out of 100
Citigroup
48
Quality score · out of 100
JPMorgan comes in ahead: a quality score of 77 versus 48 for Citigroup. JPMorgan wins on net margin (32.6% vs 16.8%), ROE (17.4% vs 6.7%) and revenue growth (9.7% vs 2.5%). Citigroup doesn't take a single major metric today.
| Metric | JPMorgan | Citigroup |
|---|---|---|
| Quality score (0-100) | 77 | 48 |
| Net margin | 32.6% | 16.8% |
| Gross margin | — | — |
| ROE | 17.4% | 6.7% |
| Net debt/EBITDA | — | — |
| FCF margin | — | -87% |
| Revenue growth (annualized) | 9.7% | 2.5% |
| Earnings growth (annualized) | 19.2% | 8.2% |
TTM metrics with official SEC data, refreshed daily. Bold green marks the winner of each metric. A dash means the metric doesn't apply or isn't reliable.
JPMorgan. JPMorgan Chase is the largest bank in the United States. It does it all: consumer and commercial banking, cards, investment banking and asset management. Its scale and diversification give it a dominant position.
Citigroup. Citigroup is one of the largest U.S. banks, with a global footprint that's especially strong in corporate and investment banking and in cross-border payments for multinationals. After years of restructuring, it has refocused on its more profitable businesses.
Open your account in minutes with regulated brokers and buy U.S. and European stocks from small amounts. No paperwork.
The serious investor's standard
Open free account →Anyone who wants low commissions and access to almost any market in the world.
Popular in the U.S.
Open free account →Anyone investing in the U.S. who wants a powerful, commission-free stock app.
Investing carries risk of loss.
What this comparison doesn't tell you
The score measures business quality, not whether the stock is cheap or expensive: the better company can be the worse investment if you overpay. For the valuation verdict, enter each one's current price in the analyzer:
Who has the stronger fundamentals today, JPMorgan or Citigroup?
By the StockSemáforo model (profitability, growth and financial strength, built on official SEC data), JPMorgan scores higher: 77 versus 48 out of 100. The score is recomputed nightly with the latest filings.
Does that make JPMorgan the better investment?
No. The score measures business quality, not valuation: an excellent company can trade at an excessive price and be a poor investment at that price. To find out whether it's cheap or expensive, enter its current quote in the StockSemáforo analyzer.
Other comparisons
Visa vs Mastercard · Visa vs American Express · PayPal vs Block · JPMorgan vs Bank of America · Goldman Sachs vs Morgan Stanley · See all comparisons →
Who's behind the methodology and model · how the score is computed
Data: official SEC filings (EDGAR) · Recomputed on September 11, 2026
Spotted a figure that looks wrong? Report it and we'll review it.