C vs JPM: Dividend Yield, Growth & Safety Comparison
Citigroup Inc (C) and Jpmorgan Chase & Co (JPM) are both in the Financials sector, making them natural rivals for dividend investors. Both stocks offer similar yields — C at 1.90% and JPM at 1.82%. For dividend growth, JPM leads with a 5-year CAGR of 18.6% versus C's 11.0%. Both stocks carry a "Safe" dividend safety rating.
Key Metrics Comparison
| Metric | C | JPM |
|---|
| Dividend Yield | 1.90% | 1.82% |
| Annual Dividend | $2.32 | $5.80 |
| 5-Year CAGR | 11.0% | 18.6% |
| Payout Ratio | 33% | 29% |
| Consecutive Years | 0 | 0 |
| Price | $110.67 | $301.96 |
Yield Comparison
Citigroup Inc (C) currently yields 1.90%, which is modest for the broader market. That's 0.08% more than Jpmorgan Chase & Co (JPM), which yields 1.82%. In dollar terms, C pays $2.32/share annually versus JPM's $5.80/share.
Dividend Growth
Over the past five years, JPM has grown its dividend at a 18.6% CAGR compared to C's 11.0%. C: Dividend growth is accelerating — the 3-year CAGR of 21.6% exceeds the 5-year rate of 11.0% and the 10-year rate of 22.6%. JPM: Dividend growth is accelerating — the 3-year CAGR of 34.9% exceeds the 5-year rate of 18.6% and the 10-year rate of 16.5%.
Dividend Safety
C's dividend safety is rated "Safe." The payout ratio of 33% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.0x. JPM's dividend safety is rated "Safe." The payout ratio of 29% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.5x. Both have similar payout ratios — C at 33% and JPM at 29%.
Income Comparison
A $10,000 investment in C generates approximately $190/year in dividend income, compared to $182/year from JPM — a difference of $8/year. At $100,000, that gap widens to $80/year.
Verdict
- Best for income: C
- Best for growth: JPM
- Best for safety: JPM
Frequently Asked Questions
Which has a higher dividend yield, C or JPM?
Citigroup Inc (C) has a higher dividend yield of 1.90% compared to Jpmorgan Chase & Co (JPM) at 1.82%.
Is C or JPM a better dividend growth stock?
Jpmorgan Chase & Co has the stronger dividend growth with a 5-year CAGR of 18.6%, compared to Citigroup Inc's 11.0%.
Which is safer for dividend income, C or JPM?
Citigroup Inc's dividend safety is rated "Safe" while Jpmorgan Chase & Co is rated "Safe." The payout ratio of 33% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.0x. The payout ratio of 29% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.5x.
How much income does $10,000 in C vs JPM generate?
A $10,000 investment in C generates approximately $190/year in dividends, while the same amount in JPM generates about $182/year.
Which has a lower payout ratio, C or JPM?
Jpmorgan Chase & Co has a lower payout ratio of 29% compared to Citigroup Inc's 33%. A lower payout ratio generally indicates more room for dividend growth and better sustainability.
C vs JPM: which is better for retirement income?
It depends on your priorities. C for current income, JPM for dividend growth, JPM for safety. Many retirement investors hold both for diversification.
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