Citigroup vs Goldman Sachs Group: Business Model & Financial Comparison 2026
Citigroup · Financial Services / Banks - Diversified·Goldman Sachs Group · Financial Services / Capital Markets
Financial Comparison
| Metric | CCitigroup | GSGoldman Sachs Group |
|---|---|---|
| Market Cap | $224.05B | N/A |
| Revenue (TTM) | $81.71B | $67.57B |
| Revenue Growth | 14.5% | 42.5% |
| Gross Margin | 0.0% | 82.1% |
| Operating Margin | 36.2% | 42.3% |
| Net Margin | 21.8% | 31.0% |
| Return on Equity | 8.5% | 17.0% |
| P/E (Trailing) | 14.4x | 15.9x |
| P/E (Forward) | 10.4x | 13.9x |
| Free Cash Flow | N/A | N/A |
| Cash | $1.41T | $976.00B |
| Total Debt | $813.85B | $796.00B |
Data sourced from Yahoo Finance. Green highlights indicate better performance for that metric. Use the interactive tool for real-time data.
Business Model Comparison
Citigroup
Citigroup Inc. stands as a leading company in Financial Services. Generating $75.72 billion in annual revenue (growing 4.4% year-over-year) and carrying a market capitalization of $190.59 billion, the company has cemented its position as a foundational player in the global Banks - Diversified landscape. Under the leadership of its leadership team, Citigroup Inc. continues to execute on a multi-year strategic vision that balances growth investment…
Full Citigroup analysis →Goldman Sachs Group
The Goldman Sachs Group, Inc. stands as a leading company in Financial Services. Generating $59.40 billion in annual revenue (growing 15.2% year-over-year) and carrying a market capitalization of $252.91 billion, the company has cemented its position as a foundational player in the global Capital Markets landscape. Under the leadership of its leadership team, The Goldman Sachs Group, Inc. continues to execute on a multi-year strategic vision that…
Full Goldman Sachs Group analysis →SWOT Analysis Comparison
Strengths
Citigroup
- With a market capitalization of $190.59B, Citigroup Inc. is one of the largest companies in its sector, providing the scale advantages of brand recognition, supplier leverage, and capital access that
Goldman Sachs Group
- With a market capitalization of $252.91B, The Goldman Sachs Group, Inc. is one of the largest companies in its sector, providing the scale advantages of brand recognition, supplier leverage, and capit
- The Goldman Sachs Group, Inc.'s gross margin of 82.9% is well above industry averages, reflecting pricing power, operational efficiency, or a high-value product mix. The operating margin of 38.3% demo
- Revenue grew 15.2% year-over-year to $59.40B, indicating strong demand for The Goldman Sachs Group, Inc.'s products and services and outperformance relative to many industry peers.
Weaknesses
Citigroup
- Revenue growth of 4.4% is below what growth investors typically seek, suggesting market saturation in core businesses or increasing competitive pressure.
- With 226,000 employees globally, Citigroup Inc. faces inherent challenges in agility, decision-making speed, and maintaining a consistent culture across geographies — advantages that smaller, nimbler
Goldman Sachs Group
- With a debt-to-equity ratio of 596.1, The Goldman Sachs Group, Inc. carries significant debt relative to equity. While manageable given its cash flow, elevated leverage limits financial flexibility an
Opportunities
Citigroup
- Citigroup Inc. operates in the Banks - Diversified segment of the broader Financial Services sector, which represents a $26.5 trillion global financial services market by 2028. Even modest share gains
- Emerging markets — particularly India (1.4B people, rapidly growing middle class), Southeast Asia (700M people), and Sub-Saharan Africa — represent significant untapped addressable markets for Citigro
- With $989.68B in cash and strong free cash flow generation, Citigroup Inc. is well-positioned to pursue strategic acquisitions that expand its capabilities, customer base, or geographic reach.
Goldman Sachs Group
- The Goldman Sachs Group, Inc. operates in the Capital Markets segment of the broader Financial Services sector, which represents a $26.5 trillion global financial services market by 2028. Even modest
- Emerging markets — particularly India (1.4B people, rapidly growing middle class), Southeast Asia (700M people), and Sub-Saharan Africa — represent significant untapped addressable markets for The Gol
- Earnings growth of 17.3% YoY demonstrates The Goldman Sachs Group, Inc.'s ability to convert revenue growth into shareholder value. Analysts project continued earnings expansion driven by operating le
Threats
Citigroup
- Global economic slowdowns, inflation, or rising interest rates can reduce consumer and enterprise spending. Citigroup Inc.'s revenue is not fully insulated from macroeconomic cycles, and a recession s
- Increasing government regulation — particularly data privacy laws (GDPR, CCPA), antitrust enforcement, and trade restrictions — poses compliance costs and potential restrictions on Citigroup Inc.'s bu
- Competition for skilled technology, engineering, and management talent remains intense. High employee turnover or inability to attract top talent could slow innovation and execution — particularly cri
Goldman Sachs Group
- Global economic slowdowns, inflation, or rising interest rates can reduce consumer and enterprise spending. The Goldman Sachs Group, Inc.'s revenue is not fully insulated from macroeconomic cycles, an
- Increasing government regulation — particularly data privacy laws (GDPR, CCPA), antitrust enforcement, and trade restrictions — poses compliance costs and potential restrictions on The Goldman Sachs G
- Competition for skilled technology, engineering, and management talent remains intense. High employee turnover or inability to attract top talent could slow innovation and execution — particularly cri
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Open Comparison ToolCitigroup vs Goldman Sachs Group: FAQ
- Is Citigroup bigger than Goldman Sachs Group?
- Both companies are significant players in their respective markets. See the financial comparison table above for current market capitalization data.
- Which has better profit margins — Citigroup or Goldman Sachs Group?
- Goldman Sachs Group has higher net profit margins (31.0%) compared to Citigroup (21.8%). Gross and operating margins are compared in the table above.
- What sectors do Citigroup and Goldman Sachs Group operate in?
- Citigroup operates in the Financial Services sector (Banks - Diversified). Goldman Sachs Group operates in the Financial Services sector (Capital Markets).
- How does Citigroup's revenue compare to Goldman Sachs Group's?
- Citigroup generates $81.71B in annual revenue (TTM) while Goldman Sachs Group generates $67.57B. Citigroup is the larger company by revenue as of 2026.