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C vs JPM: Dividend Comparison

C$110.67
Citigroup Inc
Financials
vs
JPM$301.96
Jpmorgan Chase & Co
Financials

Dividend data as of

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.

Verdict

Best for Income
C
Higher yield at 1.90%
Best for Growth
JPM
5yr CAGR of 18.6%
Best for Safety
JPM
Lower payout ratio (29%)
Metric
Price
$110.67
$301.96
Dividend Yield
1.90%
1.82%
Annual Dividend
$2.32
$5.80
5yr Div CAGR
11.0%
18.6%
3yr Div CAGR
21.6%
34.9%
Consecutive Years
0
0
Payout Ratio
33.19%
28.97%
P/E Ratio
Market Cap
Income on $10k
$190/yr
$182/yr

Yield Analysis

C
1.90%
JPM
1.82%

C yields 0.08% more than JPM. In dollar terms, C pays $2.32/share vs JPM's $5.80/share annually.

Dividend Growth

C 5yr CAGR
11.0%
accelerating
JPM 5yr CAGR
18.6%
accelerating

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
Safe
Payout Ratio33%
JPM
Safe
Payout Ratio29%

C: The payout ratio of 33% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.0x.

JPM: The payout ratio of 29% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.5x.

Estimated Annual Dividend Income

Based on current dividend yields. Actual income may vary.

Investment
C
JPM
$10,000
$190/yr
$182/yr
$50,000
$950/yr
$911/yr
$100,000
$1,899/yr
$1,822/yr

What does $10,000 buy in C vs JPM today?

At $110.67 per share, $10,000 buys about 90.4 shares of Citigroup Inc (C). Each share pays $2.32 per year in dividends, so the position starts out generating roughly $210 per year — about $17 a month.

At $301.96 per share, $10,000 buys about 33.1 shares of Jpmorgan Chase & Co (JPM). Each share pays $5.80 per year in dividends, so the position starts out generating roughly $192 per year — about $16 a month.

C is the larger income stream from day one: $18 per year more on the same $10,000 invested.

What could $10,000 of C or JPM income look like in 10 years?

Citigroup Inc (C) has raised its dividend about 11.0% a year over the past five years. If that pace held, the $190 per year that $10,000 generates today at the current 1.90% yield would reach $538 per year by 2036 — a 5.4% yield on the original cost.

Jpmorgan Chase & Co (JPM) has raised its dividend about 18.6% a year over the past five years. If that pace held, the $182 per year that $10,000 generates today at the current 1.82% yield would reach $1,008 per year by 2036 — a 10.1% yield on the original cost.

On those trailing rates, JPM pays more in 2036: $1,008 versus $538 per year. The projection assumes each five-year growth rate persists and no dividends are reinvested — real payouts will differ.

When would JPM's dividend growth overtake C's higher yield?

Jpmorgan Chase & Co (JPM) yields less today (1.82% vs 1.90%) but has grown its dividend faster — 18.6% vs 11.0% a year over the past five years. If both trends continued, a $10,000 position in JPM would start out-earning the same position in C around 2027 (roughly 1 year from now), paying about $216 per year at the crossover. Before that point, C pays more each year; after it, the gap compounds in JPM's favor.

Can C and JPM afford their dividends?

Citigroup Inc (C) earns $6.99 per share against $2.32 paid out in dividends — 3.0x coverage (a 33% payout ratio).

Jpmorgan Chase & Co (JPM) earns $20.03 per share against $5.80 paid out in dividends — 3.5x coverage (a 29% payout ratio).

JPM's wider coverage leaves more cushion if earnings dip. As a rule of thumb, coverage below about 1.5x (a payout ratio above ~65%) is where a dividend starts to look stretched — worth watching for C if earnings weaken.

Which fits an early-retirement income portfolio better, C or JPM?

For income you need right now, Citigroup Inc (C) leads: $100,000 invested today pays about $158 a month at the current 1.90% yield, versus $152 a month from Jpmorgan Chase & Co (JPM) at 1.82%.

With a decade or more before the income is needed, JPM's faster dividend growth (18.6% vs 11.0% a year) matters more than the starting yield — raises compound into the larger paycheck over time.

Many income investors simply hold both — the mix pairs current yield with growth and spreads single-name risk. Whichever way you lean, dividends are never guaranteed; recheck the payout each quarter rather than setting and forgetting.

$10,000 with DRIP: projected annual income

If each holding keeps raising its dividend at its real 5-year rate and every payment is reinvested, a $10,000 position pays $649/yr in C vs $1,207/yr in JPM by year 10.

Assumes dividends are reinvested at the current yield and grow at each holding's trailing 5-year dividend CAGR. A projection, not a prediction — no price appreciation modeled.

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