Citigroup Inc. (C)

NYSE: C · USD

$124

+1.45 (+1.2%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-09-08

Our latest published analysis: C rated Sell

Citigroup Inc.'s published Sell conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$82.9 / share

Potential value

$115 / share

Upside to FV

-39.8%

from $124

Moat

1/10

None

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$231.0B
Revenue (ttm)	83.3B
Net income (ttm)	17.9B
EPS (ttm)	$10.2
Shares out	1.7B
P/E (trailing)	12.2x
P/E (forward)	10.6x
Dividend	$2.68 (2.16%)
Volume	4,504,854
Beta	1.11

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 83.3B
Net income (ttm): 17.9B
EPS (ttm): $10.2
P/E (trailing): 12.2x
P/E (forward): 10.6x
Market cap: $231.0B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$71.88B	$75.34B	$78.07B	$80.72B	$85.23B	+4.3%
Gross profit	$75.78B	$69.37B	$67.90B	$71.12B	$75.05B	-0.2%
Operating income	$27.47B	$18.81B	$12.91B	$17.05B	$19.83B	-7.8%
Net income	$21.95B	$14.85B	$9.23B	$12.68B	$14.31B	-10.2%
EPS (diluted)	$10.14	$7.00	$4.04	$5.94	$6.99	-8.9%
EBITDA	$31.43B	$23.07B	$17.47B	$21.36B	$24.20B	-6.3%
R&D	—	—	—	—	$2.33B	—
SG&A	$25.25B	$26.75B	$29.32B	$28.63B	$29.73B	+4.2%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra fuerte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra fuerte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantener
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	Comprar
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	Compra fuerte
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	Comprar

Base and Bull scenarios

Base55%

Price target

$82.88

-39.8% from spot

The base path accepts the estimate-backed recovery but does not extend it indefinitely. It would weaken if post-FY2027 profitability fails to normalize or regional concentration rises materially.

The base path assumes the FY2027 revenue estimate broadly holds, then uses a rapid fade toward mature growth rather than extending the recovery.
Profitability improves partly, while share-count support remains conditional.

Bull20%

Price target

$114.81

-16.6% from spot

Upside persists only if post-FY2027 earnings growth proves durable and the observed regional revenue breadth translates into steadier profit. Rising diluted shares or renewed margin weakness would disconfirm this path.

The bull path assumes adjusted earnings continue growing after FY2027; that extension goes beyond the dated estimate.
The bull path also requires diluted shares to keep falling; the dated observations only show a lower historical denominator. Any regional benefit remains conditional on North America and International revenue translating into steadier profit.

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($82.88). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	1.5%	2.0%	2.5%	3.0%	3.5%
7.2%	$103	$104	$105	$106	$108
8.2%	$92.2	$92.2	$92.2	$92.1	$92.0
9.2%	$83.9	$83.5	$82.9	$82.2	$81.4
10.2%	$77.3	$76.5	$75.7	$74.7	$73.6
11.2%	$71.7	$70.8	$69.9	$68.8	$67.5

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.6

P25 n/aP50 n/aP75 n/a

Trailing P/E14.8

P25 n/aP50 n/aP75 n/a

ROE9.4

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All C indicators

Market & fundamental data

Available fields

233

Groups with data

Currency

USD

Showing 233 of 233 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000831001
Company name	Citigroup Inc.
Country	United States
Country code	US
CUSIP number	172967424
Earnings date	2026-10-13
Earnings time	bmo
Employees	217,000
Employees change	-10,000
Employees growth	-4.41%
Enterprise value	$-378.3B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1812
In index	SP500
Industry	Banks - Diversified
Is primary listing	Yes
Is SPAC	No
ISIN number	US1729674242
Last 10-K release date	2026-02-20
Last earnings date	2026-10-13
Last refreshed	2026-10-28
Last stock split date	2011-05-09
Last stock split type	Reverse
Market cap	$205.5B
Market cap category	Mega-Cap
Next earnings date	2027-01-13
Options	Yes
Price	$124.14
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	C
U.S. state	New York
Website	https://www.citigroup.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	12.08x
Average P/E ratio (10Y)	10.44x
Average P/E ratio (3Y)	14.27x
Average P/E ratio (5Y)	11.05x
Earnings yield	8.22%
FCF / EV yield	6.48%
FCF yield	-11.93%
Forward P/E	10.11x
Forward P/S	2.09x
Graham number	162.88056
Graham upside	31.23%
Industry forward P/E	11.83x
Industry P/E	13.37x
Lynch fair value	$51.00
Lynch upside	-58.91%
P/B ratio	1.06x
P/E ratio	12.17x
P/S ratio	2.47x
PEG ratio	0.41x
Price / tangible book value	1.22x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	25.35%
Operating margin	32%
Pretax margin	32.01%
Profit margin	23.21%
Profit per employee	$82,300
Profitable quarters	10
Profitable years	8
Revenue per employee	$383,866
ROA	0.71%
ROA (5Y)	0.62%
ROE	9.35%
ROE (5Y)	7.21%
Tax / revenue	8.11%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	43.55%
EPS growth (Q)	53.42%
EPS growth (QoQ)	-9.56%
EPS growth 10Y	8.29%
EPS growth 3Y	17.41%
EPS growth 5Y	-0.69%
EPS growth quarters	2
EPS growth years	2
Net income growth	31.59%
Net income growth (Q)	39.79%
Net income growth (QoQ)	-11.13%
Net income growth 3Y	13.24%
Net income growth 5Y	-3.96%
Net income growth quarters	2
Net income growth years	2
Revenue growth	11.11%
Revenue growth (Q)	8%
Revenue growth (QoQ)	-3.33%
Revenue growth 10Y	2.66%
Revenue growth 3Y	5%
Revenue growth 5Y	1.46%
Revenue growth quarters	9
Revenue growth years	4

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-6.2B
EPS	$10.20
FCF per share	$-14.81
Financing cash flow	$228.1B
Free cash flow	$-24.5B
Gross profit	$83.3B
Income taxes	$6.8B
Investing cash flow	$-177.9B
Net borrowing	$99.4B
Net cash flow	$28.9B
Net income	$17.9B
Operating income	$26.7B
Revenue	$83.3B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$115.61
Debt / equity	3.86
Goodwill	$19.1B
Net cash (debt)	$583.8B
Net cash / market cap	284.15%
Net cash growth	217.62%
Net debt / equity	-2.76
Piotroski F-Score	2
Property, plant and equipment	$34.1B
Shareholders' equity	$211.8B
Tangible book value	$168.1B
Tangible book value per share	$101.59
Total assets	$2.9T
Total cash	$1.4T
Total debt	$817.5B
Total liabilities	$2.7T
WACC	2.08%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-806B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	7.51%
Dividend growth	9.48%
Dividend growth (10Y)	19.72%
Dividend growth (3Y)	6.89%
Dividend growth (5Y)	4.48%
Dividend growth years	3
Dividend payment date	2026-11-25
Dividend payment years	16
Dividend payout frequency	Quarterly
Dividend per share	$2.68
Dividend yield	2.16%
Ex-dividend date	2026-11-02
Last dividend	$0.67
Payout ratio	26.28%
Shareholder yield	9.67%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	148.99%
10Y return CAGR	12.9%
10Y total return	236.37%
150-day SMA	$130.89
15Y price change	263.83%
15Y return CAGR	11.29%
15Y total return	397.49%
1D price change	1.18%
1M price change	-7.42%
1M total return	-7.42%
1W price change	1.48%
1W total return	1.48%
1Y price change	23.1%
1Y return CAGR	25.73%
1Y total return	25.71%
20-day SMA	$125.15
200-day SMA	$126.47
20Y price change	-75.31%
20Y return CAGR	-4.76%
20Y total return	-62.28%
3M price change	-6.6%
3M total return	-6.12%
3Y price change	225.11%
3Y return CAGR	52.73%
3Y total return	256.37%
50-day SMA	$130.30
50-day SMA vs 200-day SMA	50over200
52-week high	$147.96
52-week high date	2026-06-18
52-week low	$95.83
52-week low date	2025-11-21
5Y price change	76.82%
5Y return CAGR	15.97%
5Y total return	109.73%
6M price change	-3.73%
6M total return	-2.79%
All-time high	$591.25
All-time high date	2000-08-28
All-time low	$9.70
All-time low date	2009-03-05
Average true range (ATR)	$3.09
Average volume	9M
Beta (1Y)	1.2
Beta (2Y)	1.49
Beta (5Y)	1.11
Change from 52-week high	-16.1%
Change from 52-week low	29.54%
Change from all-time high	-78.97%
Change from all-time low	1,181.65%
Change from open	0.43%
Day's gap	0.75%
Dollar volume	$559.2M
High price	$124.68
Low price	$122.91
Monthly RSI	65.45
Open price	$123.61
Position in 52-week range	69.49%
Premarket change	1.07%
Premarket close	$122.69
Premarket price	$124.00
Premarket volume	16.6K
Previous close	$122.69
Price vs 150-day SMA	-5.02%
Price vs 20-day SMA	-0.66%
Price vs 200-day SMA	-1.7%
Price vs 50-day SMA	-4.59%
Relative volume	0.5
RSI	45.18
Sharpe ratio	0.79
Sharpe ratio (3Y)	1.44
Sharpe ratio (5Y)	0.5
Sortino ratio	1.33
Sortino ratio (3Y)	2.33
Sortino ratio (5Y)	0.94
Volume	4.5M
Weekly RSI	46.74
YTD price change	6.54%
YTD total return	8.15%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.7B
Float percentage	99.71%
Shares change (QoQ)	-1.67%
Shares change (YoY)	-7.51%
Shares held by insiders	0.18%
Shares held by institutions	82.39%
Shares outstanding	1.7B
Short % of float	1.28%
Short % of shares	1.27%
Short ratio	2.2 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	175

Deeper analysis on C

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this C report

What is the latest published C stock rating?

Citigroup Inc. is shown with Sell in the latest published report, analyzed 2026-09-08. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full C analysis?

The full latest published report, analyzed 2026-09-08, lives at /stocks/C/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for C?

The latest published report analyzed 2026-09-08 gives C a fair value of USD 83 and a potential value of USD 115. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the C page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-09-08). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

SellC · Fair value $82.9-39.8%

Read full analysis →

Citigroup Inc. (C)

Our latest published analysis: C rated Sell

Price

Financial snapshot

Fair-value bridge

Latest news · C

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All C indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on C

Frequently asked questions

Historial de calificaciones

Category	Score	Reading
Valuation	1.5
Management	7.5
Balance Sheet	5.0
Profitability	5.5
Revenue Growth	7.5
Risk Assessment	6.0
Competitive Moat	1.0
Earnings Quality	4.5
Capital Efficiency	4.0