Is C or JPM more undervalued in 2026?

CirclFi compares Citigroup, Inc. (C) and JP Morgan Chase & Co. (JPM) using 13 institutional-grade valuation models. C has a Quality of Company score of 7.9/10 while JPM scores 8.2/10.

Which is a better buy — C or JPM?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do C and JPM valuations compare?

C at $124.68 and JPM at $296.73 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

C vs JPM Valuation Comparison 2026 — Intrinsic Value Analysis

C

Banks - Diversified

Citigroup, Inc.

Quality

7.9

out of 10

Value Trap

LOW

Price

$124.68

Last close

Models

10/13

Active

JPM

Banks - Diversified

JP Morgan Chase & Co.

Quality

8.2

out of 10

Value Trap

SAFE

Price

$296.73

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	C Fair Value	C Upside	JPM Fair Value	JPM Upside
Bayesian DCF	Intrinsic	$114.80	-7.9%	$189.84	-36.0%
Earnings Power Value	Intrinsic	$1.75	-98.6%	$248.65	-16.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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C vs JPM — Which Stock Is More Undervalued?

JPM scores higher with a 8.2/10 quality rating vs C's 7.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Citigroup, Inc. (C) and JP Morgan Chase & Co. (JPM) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

C currently trades at $124.68 with a QOC of 7.9/10, while JPM trades at $296.73 with a QOC of 8.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).