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C vs WFC vs UBS

161 measures in 16 categories, one definition each, computed from filings and market data.
C16.4
Citigroup Inc.
Financial Services · Banks - Diversified
$124.25 +0.85%$208.4B mkt cap
Score DNA
WFC42.7
Wells Fargo & Company
Financial Services · Banks - Diversified
$83.87 +1.37%$253.6B mkt cap
Score DNA
UBS23.8
UBS Group AG
Financial Services · Banks - Diversified
$47.68 −0.21%$146.0B mkt cap
Score DNA

Price, rebased to 100 three years ago

C   WFC   UBS   · weekly adjusted closes
100150200250300350400Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26C 329WFC 217UBS 208
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.

Smart money

8 measures
MeasureCWFCUBS
Insider open-market buys, 180d 0 0 0
Insider $ bought, 180d — — —
Congress purchases, 180d 3 14 2
Last Congress purchase 2026-09-24 2026-09-25 2026-06-02
13F net change in holders +176 +62 +78
ETFs adding shares, 30d 1,350 1,326 13
ETFs trimming, 30d 1,320 1,203 6
Net ETF funds, 30d +30 +123 +7

Valuation

16 measures
MeasureCWFCUBS
P/E (TTM) 11.7x
40th
11.2x
20th
17.0x
100th
PEG (P/E ÷ 3-yr EPS CAGR) 0.82
20th
0.60
0th
10.65
100th
Price / sales 1.2x
0th
2.0x
40th
2.1x
60th
Price / book 1.0x
0th
1.4x
40th
1.6x
60th
Price / tangible book 1.3x
0th
1.6x
20th
1.8x
80th
Price / free cash flow n/a n/a n/a
Price / operating cash flow n/a n/a n/a
Enterprise value n/a n/a n/a
EV / sales n/a n/a n/a
EV / EBITDA n/a n/a n/a
EV / EBIT n/a n/a n/a
EV / free cash flow n/a n/a n/a
Earnings yield 8.5%
60th
8.9%
80th
5.9%
0th
FCF yield n/a n/a n/a
Operating cash flow yield n/a n/a n/a
Graham number (per share) $167.90
80th
$98.38
60th
$33.14
0th

Profitability (TTM)

12 measures
MeasureCWFCUBS
Gross margin n/a n/a n/a
EBITDA margin n/a n/a n/a
Operating margin 14.2%
20th
21.2%
40th
14.1%
0th
EBIT margin 14.2%
20th
21.2%
40th
14.1%
0th
Net margin 10.2%
0th
17.5%
60th
12.1%
20th
NOPAT margin 10.5%
0th
17.7%
60th
12.2%
20th
FCF margin n/a n/a n/a
Operating cash flow margin n/a n/a n/a
R&D / revenue 1.3%
100th
0.0%
0th
0.0%
0th
SG&A / revenue 23.3%
20th
27.0%
60th
42.6%
100th
Stock comp / revenue 0.0%
0th
0.0%
0th
0.0%
0th
Effective tax rate 26.0%
100th
16.5%
20th
13.5%
0th

Returns on capital

11 measures
MeasureCWFCUBS
ROE (on average equity) 8.4%
0th
12.5%
60th
9.6%
20th
ROA 0.6%
20th
1.1%
80th
0.5%
0th
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 0.9%
20th
1.3%
80th
0.6%
0th
Cash ROIC (OCF / invested capital) n/a n/a n/a
Gross profitability (GP / assets) n/a n/a n/a
ROIC, 3-yr average n/a n/a n/a
ROIC, 5-yr average n/a n/a n/a
ROE, 5-yr average 6.8%
0th
10.7%
40th
14.5%
80th
Incremental ROIC n/a n/a n/a

Growth

17 measures
MeasureCWFCUBS
Revenue growth (TTM YoY) 3.9%
40th
5.5%
60th
1.4%
0th
Revenue growth (QoQ) 2.0%
20th
5.6%
60th
6.1%
80th
Revenue CAGR, 3 yr 10.2%
40th
8.6%
0th
29.4%
80th
Revenue CAGR, 5 yr 16.7%
20th
9.8%
0th
16.7%
40th
Gross profit CAGR, 3 yr n/a n/a n/a
Operating income CAGR, 3 yr 11.6%
40th
13.6%
80th
6.1%
0th
Net income growth (TTM YoY) 25.6%
60th
10.0%
0th
71.4%
100th
Net income CAGR, 3 yr 9.6%
40th
11.4%
100th
9.7%
60th
EPS growth (TTM YoY) 37.0%
60th
16.7%
0th
41.2%
100th
EPS CAGR, 3 yr 14.3%
80th
18.7%
100th
1.6%
0th
EPS CAGR, 5 yr 0.0%
0th
12.6%
80th
3.0%
20th
FCF growth (TTM YoY) n/a n/a n/a
FCF CAGR, 3 yr n/a n/a n/a
Operating cash flow CAGR, 3 yr n/a n/a n/a
Book value CAGR, 3 yr 4.8%
0th
6.5%
40th
9.1%
80th
Dividend CAGR, 3 yr 5.1%
60th
7.6%
100th
-41.3%
0th
Sustainable growth rate 5.8%
0th
8.9%
60th
9.0%
80th

Margin history & stability

7 measures
MeasureCWFCUBS
Gross margin, 3-yr average n/a n/a n/a
Operating margin, 3-yr average 10.7%
0th
19.3%
60th
30.7%
100th
Net margin, 3-yr average 7.9%
0th
16.5%
60th
28.5%
100th
FCF margin, 3-yr average n/a n/a n/a
Revenue stability (0-1) 0.90
40th
0.92
80th
0.77
20th
Earnings stability (0-1) 0.13
20th
0.78
100th
0.02
0th
Margin stability (0-1) 0.64
0th
0.81
100th
0.78
80th

Liquidity (latest quarter)

7 measures
MeasureCWFCUBS
Cash & short-term investments n/a n/a n/a
Net cash (− = net debt) n/a n/a n/a
Working capital n/a n/a n/a
Current ratio n/a n/a n/a
Quick ratio n/a n/a n/a
Cash ratio (cash + ST investments / current liabilities) n/a n/a n/a
Defensive interval (days) n/a n/a n/a

Leverage & solvency (latest quarter)

13 measures
MeasureCWFCUBS
Total debt n/a n/a n/a
Debt / equity n/a n/a n/a
Net debt / equity n/a n/a n/a
Debt / assets n/a n/a n/a
Debt / capital n/a n/a n/a
Debt / EBITDA n/a n/a n/a
Net debt / EBITDA n/a n/a n/a
Interest coverage (EBIT / interest) n/a n/a n/a
Cash interest coverage n/a n/a n/a
Debt payback (years of OCF) n/a n/a n/a
Liabilities / assets 92.6%
60th
92.0%
20th
94.5%
100th
IS credit model rating BB+ A- BBB-
Implied credit spread (bps) 400
100th
175
20th
350
40th

Efficiency

11 measures
MeasureCWFCUBS
Asset turnover n/a n/a n/a
Fixed asset turnover n/a n/a n/a
Inventory turnover n/a n/a n/a
Receivables turnover n/a n/a n/a
Days sales outstanding n/a n/a n/a
Days inventory outstanding n/a n/a n/a
Days payables outstanding n/a n/a n/a
Cash conversion cycle (days) n/a n/a n/a
Capex / revenue n/a n/a n/a
Capex / depreciation n/a n/a n/a
Operating expense ratio n/a n/a n/a

Cash flow & earnings quality

7 measures
MeasureCWFCUBS
Operating cash flow / net income n/a n/a n/a
FCF / net income n/a n/a n/a
FCF / operating cash flow n/a n/a n/a
Capex / operating cash flow n/a n/a n/a
Accruals ratio n/a n/a n/a
Sloan accruals ratio n/a n/a n/a
Earnings quality score (0-1) n/a n/a n/a

Dividends & buybacks

9 measures
MeasureCWFCUBS
Dividend yield 2.0%
20th
2.2%
60th
2.2%
40th
Dividend per share (TTM) $2.47
60th
$1.85
40th
$1.04
0th
Payout ratio (dividends / net income) 30.5%
80th
29.0%
60th
6.0%
0th
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) 11.7%
80th
9.3%
60th
-79.1%
0th
Buyback yield 10.2%
100th
5.9%
60th
2.7%
20th
Shareholder yield (dividends + buybacks) 12.8%
100th
8.5%
60th
3.0%
0th
Share count change (YoY) -8.3%
0th
-5.7%
20th
21.4%
100th
Buybacks, last 5 years $0
0th
$0
0th
$10.4B
40th

Scores & forensic checks

15 measures
MeasureCWFCUBS
IS score 16
0th
43
40th
24
20th
IS profitability 43
0th
60
60th
52
20th
IS growth 59
80th
51
0th
57
60th
IS value 80
60th
83
100th
67
0th
IS momentum 14
0th
66
40th
53
20th
IS risk (safety) 80
60th
100
80th
50
0th
IS quality 3
0th
52
40th
32
20th
IS balance sheet 44
40th
45
60th
41
20th
IS earnings quality 37
0th
88
60th
46
20th
IS cash flow 18
20th
51
40th
4
0th
Piotroski F-score (0-9) 5
0th
5
0th
5
0th
Altman Z-score — — —
Beneish M-score — — —
Ohlson O-score −6.73
40th
−6.71
60th
−7.40
20th
IS credit score 48
0th
69
80th
55
60th

Per share

7 measures
MeasureCWFCUBS
EPS, diluted (TTM) $10.26
80th
$7.35
40th
$2.13
0th
Book value per share $122.16
80th
$58.50
60th
$22.93
0th
Tangible book per share $101.92
80th
$50.70
40th
$26.70
0th
Revenue per share $100.50
80th
$41.92
60th
$17.54
0th
FCF per share n/a n/a n/a
Operating cash flow per share n/a n/a n/a
Cash per share n/a n/a n/a

Size (TTM)

8 measures
MeasureCWFCUBS
Market cap $208.4B
20th
$253.6B
40th
$146.0B
0th
Revenue $174.4B
60th
$129.1B
20th
$71.0B
0th
EBITDA $29.2B
20th
$35.0B
40th
$13.2B
0th
Net income $17.8B
20th
$22.6B
40th
$8.6B
0th
Free cash flow n/a n/a n/a
Total assets $2.89T
40th
$2.28T
20th
$1.70T
0th
Shareholders' equity $212.0B
60th
$180.2B
20th
$92.7B
0th
Employees 219,000
80th
197,466
20th
103,177
0th

Price performance

9 measures
MeasureCWFCUBS
1 day +0.8% +1.4% −0.2%
1 week −4.2% +0.4% −0.9%
1 month −6.4% −3.5% −5.8%
3 months −3.0% −2.8% −7.4%
6 months −5.1% +3.0% +11.8%
Year to date +6.3% −11.4% +1.2%
1 year +27.2% −2.5% +22.0%
3 years, cumulative +227.9% +123.6% +100.1%
5 years, cumulative +103.6% +94.2% +218.7%

Technicals

4 measures
MeasureCWFCUBS
RSI 14 38.4 52.4 40.2
From 52-week high −15.6% −13.8% −14.8%
From 52-week low +33.6% +15.2% +31.4%
Beta 1.11 0.95 0.83
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms