(C) Citigroup - Overview
Stock: Treasury, Trade, Securities, Equity, Forex
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.26% |
| Yield on Cost 5y | 4.42% |
| Yield CAGR 5y | 3.27% |
| Payout Consistency | 85.0% |
| Payout Ratio | 31.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 26.1% |
| Relative Tail Risk | -5.77% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.37 |
| Alpha | 39.85 |
| Character TTM | |
|---|---|
| Beta | 1.253 |
| Beta Downside | 1.502 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.31% |
| CAGR/Max DD | 1.28 |
Description: C Citigroup January 26, 2026
Citigroup Inc. (NYSE:C) is a globally diversified financial-services holding company headquartered in New York. It serves consumers, corporations, governments and institutions across five operating segments: Services (treasury, trade and securities solutions), Markets (sales-trading and market-making), Banking (investment banking and corporate lending), U.S. Personal Banking (cards and retail banking) and Wealth (high-net-worth banking, lending and trust services). The firm operates in North America, Europe, Asia-Pacific, the Middle East and Africa.
In its most recent reporting period (Q4 2025), Citi posted net income of $5.2 billion, a 9 % YoY increase, driven by a 45 bps rise in net interest margin to 2.75 % as the Federal Reserve kept the policy rate at 5.25-5.50 %. Total revenue grew 4 % to $28.1 billion, while the cost-to-income ratio improved to 57 % after a $1.1 billion expense reduction program. Loan balances in the Banking segment rose 3 % YoY, and the credit-loss provision ratio fell to 0.45 % of total loans, reflecting a modest improvement in asset quality.
Key macro drivers for Citi’s outlook include: (1) the trajectory of U.S. and global interest rates, which directly affect net interest margin and loan demand; (2) cross-border trade volumes, a leading indicator for the Services segment’s treasury and securities businesses; and (3) regulatory capital requirements, especially Basel III revisions that could constrain leverage in the Banking and Markets divisions. Current market consensus assigns a base-rate probability of a 5-10 % earnings uplift in 2026 if rates remain above 5 % for the full year.
For a deeper, data-driven assessment of how these factors may translate into valuation differentials, consider exploring Citi’s profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 14.27b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -0.49 > 1.0 |
| NWC/Revenue: -470.7% < 20% (prev -726.2%; Δ 255.5% < -1%) |
| CFO/TA -0.03 > 3% & CFO -69.39b > Net Income 14.27b |
| Net Debt (366.22b) to EBITDA (23.10b): 15.86 < 3 |
| Current Ratio: 0.48 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.86b) vs 12m ago -3.54% < -2% |
| Gross Margin: 44.55% > 18% (prev 0.42%; Δ 4413 % > 0.5%) |
| Asset Turnover: 6.72% > 50% (prev 7.25%; Δ -0.53% > 0%) |
| Interest Coverage Ratio: 0.19 > 6 (EBITDA TTM 23.10b / Interest Expense TTM 83.07b) |
Altman Z'' -1.57
| A: -0.30 (Total Current Assets 738.12b - Total Current Liabilities 1530.29b) / Total Assets 2657.20b |
| B: 0.08 (Retained Earnings 215.13b / Total Assets 2657.20b) |
| C: 0.01 (EBIT TTM 16.02b / Avg Total Assets 2505.07b) |
| D: 0.07 (Book Value of Equity 173.26b / Total Liabilities 2443.38b) |
| Altman-Z'' Score: -1.57 = D |
Beneish M -2.90
| DSRI: 1.24 (Receivables 62.68b/51.12b, Revenue 168.30b/170.62b) |
| GMI: 0.93 (GM 44.55% / 41.63%) |
| AQI: 0.94 (AQ_t 0.71 / AQ_t-1 0.75) |
| SGI: 0.99 (Revenue 168.30b / 170.62b) |
| TATA: 0.03 (NI 14.27b - CFO -69.39b) / TA 2657.20b) |
| Beneish M-Score: -2.90 (Cap -4..+1) = A |
What is the price of C shares?
Over the past week, the price has changed by +6.59%, over one month by +0.68%, over three months by +22.29% and over the past year by +52.90%.
Is C a buy, sell or hold?
- StrongBuy: 10
- Buy: 6
- Hold: 6
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the C price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 133.8 | 9.1% |
| Analysts Target Price | 133.8 | 9.1% |
| ValueRay Target Price | 156.3 | 27.4% |
C Fundamental Data Overview February 07, 2026
P/E Forward = 11.4025
P/S = 2.7351
P/B = 1.0675
P/EG = 0.9046
Revenue TTM = 168.30b USD
EBIT TTM = 16.02b USD
EBITDA TTM = 23.10b USD
Long Term Debt = 315.83b USD (from longTermDebt, last quarter)
Short Term Debt = 399.98b USD (from shortTermDebt, last quarter)
Debt = 715.80b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 366.22b USD (from netDebt column, last quarter)
Enterprise Value = 247.45b USD (207.09b + Debt 715.80b - CCE 675.44b)
Interest Coverage Ratio = 0.19 (Ebit TTM 16.02b / Interest Expense TTM 83.07b)
EV/FCF = -3.26x (Enterprise Value 247.45b / FCF TTM -75.97b)
FCF Yield = -30.70% (FCF TTM -75.97b / Enterprise Value 247.45b)
FCF Margin = -45.14% (FCF TTM -75.97b / Revenue TTM 168.30b)
Net Margin = 8.48% (Net Income TTM 14.27b / Revenue TTM 168.30b)
Gross Margin = 44.55% ((Revenue TTM 168.30b - Cost of Revenue TTM 93.32b) / Revenue TTM)
Gross Margin QoQ = 43.20% (prev 44.80%)
Tobins Q-Ratio = 0.09 (Enterprise Value 247.45b / Total Assets 2657.20b)
Interest Expense / Debt = 2.93% (Interest Expense 20.98b / Debt 715.80b)
Taxrate = 33.80% (1.29b / 3.81b)
NOPAT = 10.60b (EBIT 16.02b * (1 - 33.80%))
Current Ratio = 0.48 (Total Current Assets 738.12b / Total Current Liabilities 1530.29b)
Debt / Equity = 3.37 (Debt 715.80b / totalStockholderEquity, last quarter 212.29b)
Debt / EBITDA = 15.86 (Net Debt 366.22b / EBITDA 23.10b)
Debt / FCF = -4.82 (negative FCF - burning cash) (Net Debt 366.22b / FCF TTM -75.97b)
Total Stockholder Equity = 212.74b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 14.27b / Total Assets 2657.20b)
RoE = 6.71% (Net Income TTM 14.27b / Total Stockholder Equity 212.74b)
RoCE = 3.03% (EBIT 16.02b / Capital Employed (Equity 212.74b + L.T.Debt 315.83b))
RoIC = 1.90% (NOPAT 10.60b / Invested Capital 557.88b)
WACC = 3.87% (E(207.09b)/V(922.89b) * Re(10.53%) + D(715.80b)/V(922.89b) * Rd(2.93%) * (1-Tc(0.34)))
Discount Rate = 10.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.24%
Fair Price DCF = unknown (Cash Flow -75.97b)
EPS Correlation: -3.25 | EPS CAGR: -12.20% | SUE: -2.39 | # QB: 0
Revenue Correlation: 81.28 | Revenue CAGR: 18.72% | SUE: 2.92 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.59 | Chg30d=+0.131 | Revisions Net=+5 | Analysts=8
EPS current Year (2026-12-31): EPS=10.21 | Chg30d=+0.354 | Revisions Net=+10 | Growth EPS=+35.5% | Growth Revenue=+6.4%
EPS next Year (2027-12-31): EPS=12.02 | Chg30d=+0.345 | Revisions Net=+6 | Growth EPS=+17.7% | Growth Revenue=+3.8%