Head-to-head · Stock vs Stock

Wells Fargo & Company vs Citigroup

Stock·NYSE

Wells Fargo & Company WFC

$85.76 ▲ 0.32%

Buy

66 / 100 AI score

Full WFC analysis →

Stock·NYSE

Citigroup Inc. C

$122.27 ▲ 0.25%

Buy

61 / 100 AI score

Full C analysis →

Last updated: November 11, 2026 (27m ago) • analysis written when WFC was at $85.49 and C at $122.27

CleaRank Financial AI • Data from TwelveData

Method reviewed by Anthony Beachey, Financial Journalist. Figures come from market data providers; the text is written by CleaRank Financial AI and passes automated checks before it publishes. Updated daily. Not financial advice. How this page is made · Report an error

WFC vs C: the verdict

How WFC and C compare today, and what CleaRank Financial AI makes of it.

The verdict

CleaRank Financial AI favours WFC

WFC C

66/100 AI score 61/100

-0.4% 1-year change +20.5%

27.6% Volatility (30d, yearly) 34.9%

55.8 RSI (14-day) 45.7

12.1x P/E ratio 11.6x

2.22% Dividend yield 2.08%

The verdict

Wells Fargo & Company (WFC) comes out ahead on CleaRank's model, scoring 66/100 (Buy) against 61/100 (Buy) for Citigroup (C). The widest gap is the trend: for WFC, the price is 2.35% above its 200-day average and 1.32% above its 50-day average, and the 50-day average is 1.02% above the 200-day. For C, the price is 3.57% below its 200-day average and 4.85% below its 50-day average.

Key difference

Momentum also favours WFC: the MACD line is positive. For C, the MACD line is negative.

Outlook

WFC's uptrend holds while it stays above its 50-day average at $84.38 and its 200-day at $83.52. C would need to regain its 50-day average at $128.51 and its 200-day at $126.80 to turn its downtrend.

Price, side by side

Both prices start at 0% on the first day of the period you pick, so the moves compare directly.

Rebased price

0%+20%+40%+20%-0.4%

Dec '25Feb '26Apr '26Jul '26Sep '26Nov '26

WFC C

Over 1 year: WFC lost 0.4% and C gained 20.5%, a gap of 20.9 points in C's favour.

Valuation and profitability

What each costs relative to its earnings and sales, and how much of its revenue it keeps.

Side by side

Valuation

Lower multiples mean you pay less for each dollar of earnings or sales.

WFC C

$257.4B Market cap $202.4B

12.1x P/E ratio 11.6x

3.1x Price / sales 2.4x

1.6x Price / book 1.1x

Profitability

How much of each dollar of revenue becomes profit, and how hard the capital works.

WFC C

+10.0% Revenue growth (quarter, y/y) +14.3%

26.4% Net margin 21.4%

12.9% Return on equity 9.4%

1.1% Return on assets 0.7%

0.00 Debt / equity 0.00

On valuation

WFC trades on the higher trailing P/E, 12.06 against 11.61 for C. Both P/Es are at a discount to peers, against a Financial Services median of 16.5. On sales, WFC is valued higher, at 3.09 times against 2.42. WFC is the larger company, worth $256.6B against $202.4B.

On profitability

WFC also earns the higher return on equity, 12.91% against 9.35%. In the latest quarter, year on year, revenue grew 9.98% at WFC and grew 14.33% at C. WFC has a trailing dividend yield of 2.22%. C has a trailing dividend yield of 2.08%.

Earnings reality check

WFC

WFC beat the estimate in 6 of its last 8 reports (latest Oct '26); the shares fell in the first session after 4 of those beats.

Surprise

+5.2%

+4.9%

+10.0%

+12.3%

-3.0%

-2.5%

+16.3%

+0.5%

Next session

+6.7%

-1.0%

-5.5%

+7.2%

-4.6%

-5.7%

-2.7%

-3.1%

Apr '25Oct '25Apr '26Oct '26

C

C beat the estimate in 7 of its last 7 reports (latest Oct '26); the shares fell in the first session after 2 of those beats.

Surprise

+8.9%

+6.0%

+28.3%

+17.1%

+17.7%

+15.9%

+8.0%

Next session

+6.5%

+1.8%

+3.7%

+3.9%

+2.6%

-5.3%

-5.6%

Jan '25Jul '25Apr '26Oct '26

Momentum and sentiment

The indicators behind each AI score, side by side.

Indicators side by side

WFC C

66/100 AI score 61/100

55.8 RSI (14-day) 45.7

+1.7% Price against 50-day average -4.9%

+2.7% Price against 200-day average -3.6%

Technicals

WFC is in an uptrend, trading 1.32% above its 50-day average and 2.35% above its 200-day average. Its 14-day RSI is 45.7, in the neutral zone, with the MACD line positive. C is in a downtrend, trading 4.85% below its 50-day average and 3.57% below its 200-day average.

Sentiment

Of the 27 analysts covering WFC, 18 rate it buy, 9 hold and 0 sell; their median target is $97.50, 14.0% above the price. Of the 23 analysts covering C, 18 rate it buy, 5 hold and 0 sell; their median target is $150.00, 22.7% above the price.

Risk and practical tips

How much each moves, how much return each has paid for that risk, and what to watch if you hold either.

Risk measures

WFC C

27.6% Volatility (30d, yearly) 34.9%

0.92 Beta against the S&P 500 1.15

0.59 Sharpe ratio 1.03

Risk

C typically moves more in a day, 1.87% against 1.54% for WFC. Against the S&P 500, WFC has a beta of 0.92 and C 1.15. Their worst falls in the price history were 63.9% for WFC (January 2018 to October 2020) and 56.1% for C (January 2020 to March 2020). The measures split: WFC has had the deeper worst fall, while C typically moves more in a day and has the higher beta.

ProTips

For WFC, watch the 52-week high at $97.76 above the price and the 50-day SMA at $84.38 below it.
For C, watch the 20-day EMA at $123.28 above the price and the 52-week low at $95.83 below it.

WFC vs C: long-term scenarios

Simulated paths from each price history. A range of outcomes, not a forecast.

Simulated growth of $10,000

$20K$40K$60K$68K$57.7K$18.8K$16.6K

202620282030203220342035

WFC median WFC 90th C median C 90th

WFC C

$4,777 Downside, 2035 (10th) $5,222

$16,603 Base case, 2035 (median) $18,848

$57,699 Upside, 2035 (90th) $68,028

In the median simulated path, $10,000 in WFC grows to about $16,600 and $10,000 in C grows to about $18,800 by 2035. The paths come from each asset's own volatility and capped historical trend; they are statistical outcomes, not forecasts. WFC and C's upside columns reach an extreme multiple of the starting amount; treat them as a statistical tail, not a likely outcome.

WFC vs C: questions people ask

Answered from the figures on this page.

Frequently Asked Questions

Which is better, WFC or C?+

On CleaRank's model WFC scores higher, 66/100 (Buy) against 61/100 (Buy) for C. This describes the data on this page and is not a personal recommendation.

Which has performed better over the past year, WFC or C?+

C has done better: its price rose 20.47% over the past year, while WFC fell 0.64%.

Which is cheaper on earnings, WFC or C?+

C has the lower trailing P/E, at 11.61 against 12.06 for WFC.

Which pays more income, WFC or C?+

WFC offers the higher yield, at 2.22% against C's 2.08%. Yield is the payout divided by the price, so it moves whenever either of those changes.

Which is riskier, WFC or C?+

Most of the measures we track point to C as the riskier of the two. Average daily move: 1.54% for WFC, 1.87% for C. Beta against the S&P 500: 0.92 for WFC, 1.15 for C. Worst fall in the price history: 63.9% for WFC, 56.1% for C.

Which has stronger momentum right now, WFC or C?+

WFC has the higher 14-day RSI, 55.0 (neutral) against 45.7 (neutral) for C. The MACD line is positive for WFC and negative for C. Readings above 70 or below 30 mark stretched momentum.

Which is the bigger company, WFC or C?+

WFC is the larger company. Its market value is $256.6B, while C's is $202.4B.

What do analysts say about WFC and C?+

WFC has 18 buy ratings among 27 analysts, and its median target sits 14.0% above the price. C has 18 buy ratings among 23 analysts, with a median target 22.7% above its price.

How would $10,000 have grown in WFC or C?+

Invested in December 2016, $10,000 would be worth $20,625 today in WFC and $28,832 in C.

The verdict

Rebased price

Side by side

Valuation

Profitability

Earnings reality check

WFC

C

Indicators side by side

Risk measures

Simulated growth of $10,000

Frequently Asked Questions

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