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STOCK COMPARISON

Citigroup vs JPMorgan Chase &: Fair Value & Quality

Both stocks run through our valuation models. Here is how Citigroup (C) and JPMorgan Chase & (JPM) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Citigroup as the less overvalued of the two: Citigroup trades at $134 versus a fair value of $109 (-19%), while JPMorgan Chase & trades at $356 versus $279 (-22%).
Citigroup
C · USD · Financials
-19%
upside to fair value
overvalued
Price$134
Fair Value$109
Quality57/100
JPMorgan Chase &
JPM · USD · Financials
-22%
upside to fair value
overvalued
Price$356
Fair Value$279
Quality68/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

CitigroupJPMorgan Chase &
Valuation
17.4×P/E (TTM)14.7×
2.89×P/S (TTM)4.87×
1.07×P/B2.50×
8.4×EV/EBITDA12.3×
0.73×PEG1.77×
—Dividend yield1.8%
—Dividend per share$5.90
Profitability
20%Net margin35%
34%Operating margin50%
8%Return on equity18%
1%Return on assets1%
Growth
16%Revenue growth (YoY)30%
18.9%Avg. growth/yr (3Y)22.1%
13.6%Avg. growth/yr (5Y)16.6%
Balance & size
1.49×Debt / equity1.20×
$227BMarket cap$907B
expensiveGrowth qualityhealthy

JPMorgan Chase & leads: 4 to 9 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Citigroupof which business quality 43 · market factors 71 JPMorgan Chase &of which business quality 61 · market factors 70
ProfitabilityMargins and returns on capital today
21
35
Quality GrowthAre margins and returns improving?
50
44
CashflowEarnings quality: real cash, not paper profit
0
96
Fin. StrengthBalance sheet, leverage, solvency risk
44
26
InvestmentDisciplined investing over empire-building
88
77
Low VolatilityCalm price path (market factor)
61
73
MomentumPrice trend over the last 3–12 months (market factor)
70
61
52W MomentumDistance to the 52-week high (market factor)
83
81
Net IssuanceBuybacks instead of dilution
100
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Citigroup

DCF Models$149
Earnings-Based$83.05
Dividend Discount$57.57
Multiples$169
Asset-Based$83.39
Economic Profit$113
Growth Earnings$144

8 of 17 models see the stock below the current price.

JPMorgan Chase &

DCF Models$516
Earnings-Based$195
Dividend Discount$119
Multiples$364
Asset-Based$91.35
Growth DCF$566
Economic Profit$233
Growth Earnings$323

11 of 25 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Citigroup
Bear $81.56Fair Value $109Bull $136
$134 = current price (white tick)
JPMorgan Chase &
Bear $209Fair Value $279Bull $349
$356 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Citigroup · Financials

Quality score57 · above median
Fair value upside-19% · below median

JPMorgan Chase & · Financials

Quality score68 · Top 25%
Fair value upside-22% · below median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Citigroup as the less overvalued of the two: Citigroup trades at $134 versus a fair value of $109 (-19%), while JPMorgan Chase & trades at $356 versus $279 (-22%).

JPMorgan Chase & has the higher quality score (68/100).

See the full analysis →
Citigroup · JPMorgan Chase &

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.