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 closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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 |
Scores & forensic checks
15 measures| Measure | C | WFC | UBS |
|---|---|---|---|
| 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
|
Size (TTM)
8 measures| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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| Measure | C | WFC | UBS |
|---|---|---|---|
| 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