BIT/1C (BIT/1C)

Borsa Italiana: BIT/1C · EUR

€113

+2.74 (+2.5%)· Recorded snapshot

Market cap	182.3B
Revenue (ttm)	73.4B
Net income (ttm)	15.7B
EPS (ttm)	€9.17
P/E (trailing)	12.4x
P/E (forward)	10.0x
Dividend	€2.20 (1.94%)
Volume	120

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 73.4B
Net income (ttm): 15.7B
EPS (ttm): €9.17
P/E (trailing): 12.4x
P/E (forward): 10.0x
Market cap: 182.3B

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

P25 n/aP50 n/aP75 n/a

Trailing P/E12.4

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

S&P 500+0.8%

Nasdaq Composite-1.0%

Dow Jones Industrial Average+1.9%

Russell 2000+0.3%

All BIT/1C indicators

Market & fundamental data

Available fields

190

Groups with data

Currency

USD

Showing 190 of 190 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	United States
Country code	IT
Earnings date	2026-10-13
Employees	217,000
Employees change	-11,000
Employees growth	-4.78%
Exchange	Borsa Italiana
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-10-10
Fiscal year end	December
Founded	1812
Industry	Banks - Diversified
Is primary listing	No
ISIN number	US1729674242
Last earnings date	2026-10-13
Last refreshed	2026-10-28
Market cap	EUR 182.3B
Next earnings date	2027-01-14
Price	EUR 113.40
Price currency	EUR
Sector	Financials
SIC code	6199
Stock price date	2026-10-02
Symbol	bit/1C
Website	https://www.citigroup.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	10.44x
Average P/E ratio (3Y)	14.27x
Average P/E ratio (5Y)	11.05x
Earnings yield	8.09%
FCF yield	-12.09%
Forward P/E	10x
Graham number	159.83173
Graham upside	40.95%
Lynch fair value	EUR 48.92
Lynch upside	-56.86%
P/B ratio	0.98x
P/E ratio	12.37x
P/S ratio	2.48x
Price / tangible book value	1.23x
Sector forward P/E	10.8x
Sector P/E	11.68x

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	EUR 72,473
Profitable quarters	10
Profitable years	8
Revenue per employee	EUR 338,033
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	EUR -5.6B
EPS	EUR 9.17
Financing cash flow	EUR 205.1B
Free cash flow	EUR -22B
Gross profit	EUR 73.4B
Income taxes	EUR 6B
Investing cash flow	EUR -160B
Net borrowing	EUR 89.4B
Net cash flow	EUR 26B
Net income	EUR 15.7B
Operating income	EUR 23.5B
Revenue	EUR 73.4B

Financial strength

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

Metric	Value
Book value per share	EUR 101.81
Debt / equity	3.86
Goodwill	EUR 17.1B
Net cash (debt)	EUR 514.1B
Net cash / market cap	282.05%
Net cash growth	217.62%
Net debt / equity	-2.76
Piotroski F-Score	2
Property, plant and equipment	EUR 30.6B
Shareholders' equity	EUR 186.5B
Tangible book value	EUR 148.1B
Tangible book value per share	EUR 89.46
Total assets	EUR 2.6T
Total cash	EUR 1.2T
Total debt	EUR 719.9B
Total liabilities	EUR 2.4T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -709.8B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	7.51%
Dividend growth	7.49%
Dividend growth (10Y)	36.33%
Dividend growth (3Y)	4.7%
Dividend growth (5Y)	5.16%
Dividend growth years	2
Dividend payment date	2026-11-25
Dividend payment years	8
Dividend payout frequency	Quarterly
Dividend per share	EUR 2.20
Dividend yield	1.94%
Ex-dividend date	2026-10-30
Last dividend	EUR 0.60
Payout ratio	24.05%
Shareholder yield	9.45%

Performance and technicals

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

Metric	Value
150-day SMA	EUR 112.21
1D price change	2.48%
1M price change	-1.25%
1M total return	-1.25%
1W price change	-3.24%
1W total return	-3.24%
1Y price change	33.29%
1Y return CAGR	36.16%
1Y total return	36.13%
20-day SMA	EUR 116.06
200-day SMA	EUR 108.83
3M price change	-8.16%
3M total return	-7.69%
3Y price change	188.99%
3Y return CAGR	46.82%
3Y total return	216.6%
50-day SMA	EUR 116.26
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 128.96
52-week high date	2026-06-25
52-week low	EUR 80.40
52-week low date	2025-10-17
5Y price change	85.57%
5Y return CAGR	17.08%
5Y total return	119.99%
6M price change	13.78%
6M total return	14.9%
All-time high	EUR 128.96
All-time high date	2026-06-25
All-time low	EUR 32.24
All-time low date	2020-03-18
Average true range (ATR)	EUR 1.62
Average volume	60.7
Change from 52-week high	-12.07%
Change from 52-week low	41.05%
Change from all-time high	-12.07%
Change from all-time low	251.74%
Change from open	0.18%
Day's gap	2.3%
Dollar volume	EUR 13,608
High price	EUR 113.20
Low price	EUR 113.20
Monthly RSI	65.83
Open price	EUR 113.20
Previous close	EUR 110.66
Price vs 150-day SMA	1.06%
Price vs 20-day SMA	-2.3%
Price vs 200-day SMA	4.2%
Price vs 50-day SMA	-2.46%
Relative volume	1.98
RSI	44.54
Sharpe ratio	1.05
Sharpe ratio (3Y)	1.28
Sharpe ratio (5Y)	0.53
Sortino ratio	1.79
Sortino ratio (3Y)	2.08
Sortino ratio (5Y)	0.96
Volume	120
Weekly RSI	50.84
YTD price change	13.98%
YTD total return	15.72%

Ownership and float

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

Metric	Value
Float	1.7B
Shares change (QoQ)	-1.67%
Shares change (YoY)	-7.51%
Shares held by insiders	0.18%
Shares held by institutions	82.39%
Short ratio	2.4 days

Deeper analysis on BIT/1C

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

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this BIT/1C report

Is a complete BIT/1C research report available?

No complete published report is available for bit/1C (BIT/1C) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

182.3B

Revenue (ttm)

73.4B

Net income (ttm)

15.7B

EPS (ttm)

€9.17

P/E (trailing)

12.4x

P/E (forward)

10.0x

Dividend

€2.20 (1.94%)

Volume

120

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-10-13

Employees

217,000

Employees change

-11,000

Employees growth

-4.78%

Exchange

Borsa Italiana

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-10-10

Fiscal year end

December

Founded

1812

Industry

Banks - Diversified

Is primary listing

ISIN number

US1729674242

Last earnings date

2026-10-13

Last refreshed

2026-10-28

Market cap

EUR 182.3B

Next earnings date

2027-01-14

Price

EUR 113.40

Price currency

EUR

Sector

Financials

SIC code

6199

Stock price date

2026-10-02

Symbol

bit/1C

Website

https://www.citigroup.com

Metric

Value

Average P/E ratio (10Y)

10.44x

Average P/E ratio (3Y)

14.27x

Average P/E ratio (5Y)

11.05x

Earnings yield

8.09%

FCF yield

-12.09%

Forward P/E

10x

Graham number

159.83173

Graham upside

40.95%

Lynch fair value

EUR 48.92

Lynch upside

-56.86%

P/B ratio

0.98x

P/E ratio

12.37x

P/S ratio

2.48x

Price / tangible book value

1.23x

Sector forward P/E

10.8x

Sector P/E

11.68x

Metric

Value

Effective tax rate

25.35%

Operating margin

32%

Pretax margin

32.01%

Profit margin

23.21%

Profit per employee

EUR 72,473

Profitable quarters

Profitable years

Revenue per employee

EUR 338,033

ROA

0.71%

ROA (5Y)

0.62%

ROE

9.35%

ROE (5Y)

7.21%

Tax / revenue

8.11%

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

EPS growth years

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

Net income growth years

Revenue growth

11.11%

Revenue growth (Q)

Revenue growth (QoQ)

-3.33%

Revenue growth 10Y

2.66%

Revenue growth 3Y

Revenue growth 5Y

1.46%

Revenue growth quarters

Revenue growth years

Metric

Value

Capital expenditures

EUR -5.6B

EPS

EUR 9.17

Financing cash flow

EUR 205.1B

Free cash flow

EUR -22B

Gross profit

EUR 73.4B

Income taxes

EUR 6B

Investing cash flow

EUR -160B

Net borrowing

EUR 89.4B

Net cash flow

EUR 26B

Net income

EUR 15.7B

Operating income

EUR 23.5B

Revenue

EUR 73.4B

Metric

Value

Book value per share

EUR 101.81

Debt / equity

3.86

Goodwill

EUR 17.1B

Net cash (debt)

EUR 514.1B

Net cash / market cap

282.05%

Net cash growth

217.62%

Net debt / equity

-2.76

Piotroski F-Score

Property, plant and equipment

EUR 30.6B

Shareholders' equity

EUR 186.5B

Tangible book value

EUR 148.1B

Tangible book value per share

EUR 89.46

Total assets

EUR 2.6T

Total cash

EUR 1.2T

Total debt

EUR 719.9B

Total liabilities

EUR 2.4T

Metric

Value

Working capital

EUR -709.8B

Metric

Value

Buyback yield / dilution

7.51%

Dividend growth

7.49%

Dividend growth (10Y)

36.33%

Dividend growth (3Y)

4.7%

Dividend growth (5Y)

5.16%

Dividend growth years

Dividend payment date

2026-11-25

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 2.20

Dividend yield

1.94%

Ex-dividend date

2026-10-30

Last dividend

EUR 0.60

Payout ratio

24.05%

Shareholder yield

9.45%

Metric

Value

150-day SMA

EUR 112.21

1D price change

2.48%

1M price change

-1.25%

1M total return

-1.25%

1W price change

-3.24%

1W total return

-3.24%

1Y price change

33.29%

1Y return CAGR

36.16%

1Y total return

36.13%

20-day SMA

EUR 116.06

200-day SMA

EUR 108.83

3M price change

-8.16%

3M total return

-7.69%

3Y price change

188.99%

3Y return CAGR

46.82%

3Y total return

216.6%

50-day SMA

EUR 116.26

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 128.96

52-week high date

2026-06-25

52-week low

EUR 80.40

52-week low date

2025-10-17

5Y price change

85.57%

5Y return CAGR

17.08%

5Y total return

119.99%

6M price change

13.78%

6M total return

14.9%

All-time high

EUR 128.96

All-time high date

2026-06-25

All-time low

EUR 32.24

All-time low date

2020-03-18

Average true range (ATR)

EUR 1.62

Average volume

60.7

Change from 52-week high

-12.07%

Change from 52-week low

41.05%

Change from all-time high

-12.07%

Change from all-time low

251.74%

Change from open

0.18%

Day's gap

2.3%

Dollar volume

EUR 13,608

High price

EUR 113.20

Low price

EUR 113.20

Monthly RSI

65.83

Open price

EUR 113.20

Previous close

EUR 110.66

Price vs 150-day SMA

1.06%

Price vs 20-day SMA

-2.3%

Price vs 200-day SMA

4.2%

Price vs 50-day SMA

-2.46%

Relative volume

1.98

RSI

44.54

Sharpe ratio

1.05

Sharpe ratio (3Y)

1.28

Sharpe ratio (5Y)

0.53

Sortino ratio

1.79

Sortino ratio (3Y)

2.08

Sortino ratio (5Y)

0.96

Volume

120

Weekly RSI

50.84

YTD price change

13.98%

YTD total return

15.72%

Metric

Value

Float

1.7B

Shares change (QoQ)

-1.67%

Shares change (YoY)

-7.51%

Shares held by insiders

0.18%

Shares held by institutions

82.39%

Short ratio

2.4 days

BIT/1C (BIT/1C)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1C

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1C indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/1C

Frequently asked questions

BIT/1C (BIT/1C)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1C

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1C indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/1C

Frequently asked questions