C Stock Analysis: Citigroup | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 238.730m USD | 12M Return: 65.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.88B
EPS Trend: 86.0%
Qual. Beats: 1
Rev. Trend: 74.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Citigroup Inc. (NYSE: C) is a diversified financial services holding company headquartered in New York, founded in 1812. It provides a broad range of financial products and services to consumers, corporations, governments, and institutions across North America, Europe, Asia, the Middle East, and Africa. The company operates through five segments: Services (treasury, trade, and securities services), Markets (sales, trading, and market-making across multiple asset classes), Banking (investment banking and corporate lending), U.S. Personal Banking (credit cards and retail/small business banking), and Wealth (banking, lending, and investment services for high-net-worth and professional clients). As a mega-cap institution classified within the Diversified Banks sub-industry of the Financials sector, Citigroups business model is built on global scale, combining consumer banking with capital markets and transaction banking services. The company has been publicly traded on the NYSE since 1977.
- Net interest margin benefits from higher-for-longer rate environment
- Investment banking fees recover on reviving M&A and debt issuance
- Buyback pace accelerates following Fed stress test approval
| Net Income: 16.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 1.54 > 1.0 |
| NWC/Revenue: -244.2% < 20% (prev -839.1%; Δ 594.9% < -1%) |
| CFO/TA -0.01 > 3% & CFO -30.8b > Net Income 16.0b |
| Net Debt (726b) to EBITDA (26.3b): 27.55 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.78b) vs 12m ago -7.48% < -2% |
| Gross Margin: 45.48% > 18% (prev 42.37%; Δ 3.11% > 0.5%) |
| Asset Turnover: 6.40% > 50% (prev 6.54%; Δ -0.14% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBIT TTM 21.9b / Interest Expense TTM 83.2b) |
| A: -0.15 (Total Current Assets 23.6b - Total Current Liabilities 442b) / Total Assets 2778b |
| B: 0.08 (Retained Earnings 220b / Total Assets 2778b) |
| C: 0.01 (EBIT TTM 21.9b / Avg Total Assets 2675b) |
| D: 0.08 (Book Value of Equity 211b / Total Liabilities 2565b) |
| Altman-Z'' = -0.59 = B |
| DSRI: 1.56 (Receivables 91.7b/57.7b, Revenue 171b/168b) |
| GMI: 0.93 (GM 42.37% / 45.48%) |
| AQI: 1.29 (AQ_t 0.98 / AQ_t-1 0.76) |
| SGI: 1.02 (Revenue 171b / 168b) |
| TATA: 0.02 (NI 16.0b - CFO -30.8b) / TA 2778b) |
| Beneish M = -2.44 (Cap -4..+1) = BBB |
As of July 11, 2026, the stock is trading at USD 140.79 with a total of 9,152,796 shares traded. Over the past week, the price has changed by +0.59%, over one month by +5.56%, over three months by +13.72% and over the past year by +65.34%.
Current recommended Stop Loss: 134.00 (which is 4.8% or 1.9 ATR below the current price).
Citigroup has received a consensus analysts rating of 4.18. Therefore, it is recommended to buy C.
- StrongBuy: 10
- Buy: 6
- Hold: 6
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 149.8 | 6.4% |
P/E Trailing = 17.3016
P/E Forward = 13.1579
P/S = 3.0321
P/B = 1.2486
P/EG = 0.7266
Revenue TTM = 171b USD
EBIT TTM = 21.9b USD
EBITDA TTM = 26.3b USD
Long Term Debt = 308b USD (from longTermDebt, last quarter)
Short Term Debt = 442b USD (from shortTermDebt, last quarter)
Debt = 749b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 726b USD (calculated: Debt 749b - CCE 23.6b)
Enterprise Value = 964b USD (239b + Debt 749b - CCE 23.6b)
Interest Coverage Ratio = 0.26 (Ebit TTM 21.9b / Interest Expense TTM 83.2b)
EV/FCF = -25.91x (Enterprise Value 964b / FCF TTM -37.2b)
FCF Yield = -3.86% (FCF TTM -37.2b / Enterprise Value 964b)
FCF Margin = -21.74% (FCF TTM -37.2b / Revenue TTM 171b)
Net Margin = 9.34% (Net Income TTM 16.0b / Revenue TTM 171b)
Gross Margin = 45.48% ((Revenue TTM 171b - Cost of Revenue TTM 93.3b) / Revenue TTM)
Gross Margin QoQ = 49.31% (prev 43.20%)
Tobins Q-Ratio = 0.35 (Enterprise Value 964b / Total Assets 2778b)
Interest Expense / Debt = 11.10% (Interest Expense 83.2b / Debt 749b)
Taxrate = 25.62% (5.61b / 21.9b)
NOPAT = 16.3b (EBIT 21.9b * (1 - 25.62%))
Current Ratio = 0.05 (Total Current Assets 23.6b / Total Current Liabilities 442b)
Debt / Equity = 3.55 (Debt 749b / totalStockholderEquity, last quarter 211b)
Debt / EBITDA = 27.55 (Net Debt 726b / EBITDA 26.3b)
Debt / FCF = -19.50 (negative FCF - burning cash) (Net Debt 726b / FCF TTM -37.2b)
Total Stockholder Equity = 212b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.60% (Net Income 16.0b / Total Assets 2778b)
RoE = 7.53% (Net Income TTM 16.0b / Total Stockholder Equity 212b)
RoCE = 4.21% (EBIT 21.9b / Capital Employed (Equity 212b + L.T.Debt 308b))
RoIC = 0.59% (NOPAT 16.3b / Invested Capital 2769b)
WACC = 8.90% (E(239b)/V(988b) * Re(10.91%) + D(749b)/V(988b) * Rd(11.10%) * (1-Tc(0.26)))
Discount Rate = 10.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -62.93 | Cagr: -3.17%
[DCF] Fair Price = unknown (Cash Flow -37.2b)
EPS Correlation: 85.97 | EPS CAGR: 14.60% | SUE: 1.67 | # QB: 1
Revenue Correlation: 74.48 | Revenue CAGR: 7.09% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.68 | Chg30d=+2.93% | Revisions=-8% | Analysts=11
EPS next Quarter (2026-09-30): EPS=2.68 | Chg30d=+0.94% | Revisions=-31% | Analysts=11
EPS current Year (2026-12-31): EPS=10.98 | Chg30d=+1.21% | Revisions=+80% | GrowthEPS=+45.8% | GrowthRev=+10.2%
EPS next Year (2027-12-31): EPS=12.58 | Chg30d=+0.43% | Revisions=+50% | GrowthEPS=+14.6% | GrowthRev=+3.6%
[Analyst] Revisions Ratio: +31% (up=28, down=14)