Head to head · SEC data as of July 15, 2026
JPMorgan
75
Quality score · out of 100
Citigroup
48
Quality score · out of 100
JPMorgan comes in ahead: a quality score of 75 versus 48 for Citigroup. JPMorgan wins on net margin (31.5% vs 16.8%), ROE (16.2% vs 6.7%) and revenue growth (8.8% vs 2.5%). Citigroup doesn't take a single major metric today.
| Metric | JPMorgan | Citigroup |
|---|---|---|
| Quality score (0-100) | 75 | 48 |
| Net margin | 31.5% | 16.8% |
| Gross margin | — | — |
| ROE | 16.2% | 6.7% |
| Net debt/EBITDA | — | — |
| FCF margin | — | -87% |
| Revenue growth (annualized) | 8.8% | 2.5% |
| Earnings growth (annualized) | 17.7% | 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.
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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: 75 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.
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