Overview Dividends

(C) Citigroup - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1729674242

Treasury, Trade, Securities, Markets, Banking

Diversified Banks
Market Cap in USD: 223,780m

IPO / Inception: 1977-01-03
Return 12m vs S&P 500: 44.7%

EPS (Earnings per Share)

EPS CAGR: 12.36%
EPS Trend: 12.1%

Last SUE: 2.10
Qual. Beats: 2

Revenue

Rev. CAGR: 26.18%
Rev. Trend: 86.6%

Last SUE: 0.80
Qual. Beats: 0

Dividends

Dividend Yield	1.99%
Yield on Cost 5y	4.61%
Yield CAGR 5y	3.27%
Payout Consistency	83.9%
Payout Ratio	30.5%

Risk via 5d forecast
Volatility	25.6%
Value at Risk 5%th	40.2%
Relative Tail Risk	-4.28%

Reward TTM
Sharpe Ratio	1.73
Alpha	50.30
CAGR/Max DD	1.31

Character TTM
Hurst Exponent	0.344
Beta	1.226
Beta Downside	1.502

Drawdowns 3y
Max DD	31.31%
Mean DD	6.91%
Median DD	4.68%

Description: C Citigroup December 01, 2025

Citigroup Inc. (NYSE:C) is a global diversified financial services holding company that serves consumers, corporations, governments, and institutions across five operating segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth.

The Services segment delivers treasury and trade solutions-including cash management, trade financing, and securities services such as post-trade technology and data analytics-to multinational corporates and public-sector clients, leveraging Citi’s extensive cross-border network.

The Markets segment provides sales and trading across equities, FX, rates, spreads, and commodities, as well as market-making, financing, and prime brokerage services for institutional and corporate customers.

Banking focuses on investment banking (equity and debt capital markets, M&A advisory) and corporate lending, while the U.S. Personal Banking unit offers proprietary and co-branded credit cards plus traditional retail banking for consumers and small businesses. The Wealth segment targets high-net-worth individuals and professional firms with banking, lending, mortgage, investment, custody, and trust solutions.

Citigroup operates in North America, Europe, Asia-Pacific, the Middle East, and Africa, and maintains a strong capital position with a Tier 1 common equity ratio of roughly 13% (Q3 2024) and an efficiency ratio near 60%, reflecting ongoing cost-control efforts.

Key macro drivers include the U.S. Federal Reserve’s interest-rate policy, which directly impacts net interest income, and global trade-flow dynamics that affect treasury and securities-services demand; the bank’s diversified geography also buffers regional economic shocks.

For a deeper dive into Citigroup’s valuation metrics and peer comparisons, you might explore the analysis on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (14.69b TTM) > 0 and > 6% of Revenue (6% = 10.10b TTM)

FCFTA -0.03 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -766.1% (prev -733.2%; Δ -32.92pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.03 (>3.0%) and CFO -69.39b <= Net Income 14.69b (YES >=105%, WARN >=100%)

Net Debt (372.18b) to EBITDA (22.98b) ratio: 16.19 <= 3.0 (WARN <= 3.5)

Current Ratio 0.37 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.86b) change vs 12m ago -4.00% (target <= -2.0% for YES)

Gross Margin 44.16% (prev 40.53%; Δ 3.63pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.64% (prev 7.04%; Δ -0.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.17 (EBITDA TTM 22.98b / Interest Expense TTM 83.40b) >= 6 (WARN >= 3)

Altman Z'' -2.83

(A) -0.49 = (Total Current Assets 748.57b - Total Current Liabilities 2038.25b) / Total Assets 2642.47b

(B) 0.08 = Retained Earnings (Balance) 214.03b / Total Assets 2642.47b

(D) 0.07 = Book Value of Equity 169.90b / Total Liabilities 2428.60b

Total Rating: -2.83 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 37.53

1. Piotroski 4.0pt

2. FCF Yield -27.39%

3. FCF Margin -44.17%

4. Debt/Equity 3.38

5. Debt/Ebitda 16.19

6. ROIC - WACC (= -2.26)%

7. RoE 6.94%

8. Rev. Trend 86.61%

9. EPS Trend 12.09%

What is the price of C shares?

As of January 01, 2026, the stock is trading at USD 116.69 with a total of 6,203,145 shares traded.
Over the past week, the price has changed by -4.01%, over one month by +13.64%, over three months by +15.65% and over the past year by +70.38%.

Is C a buy, sell or hold?

Citigroup has received a consensus analysts rating of 4.18. Therefore, it is recommended to buy C.

Strong Buy: 10
Buy: 6
Hold: 6
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the C price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	118.1	1.2%
Analysts Target Price	118.1	1.2%
ValueRay Target Price	150.3	28.8%

C Fundamental Data Overview December 27, 2025

Market Cap USD = 223.78b (223.78b USD * 1.0 USD.USD)
P/E Trailing = 17.073
P/E Forward = 12.2249
P/S = 2.9685
P/B = 1.1213
P/EG = 0.9706
Beta = 1.196
Revenue TTM = 168.35b USD
EBIT TTM = 14.47b USD
EBITDA TTM = 22.98b USD
Long Term Debt = 315.85b USD (from longTermDebt, last quarter)
Short Term Debt = 404.40b USD (from shortTermDebt, last quarter)
Debt = 720.24b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 372.18b USD (from netDebt column, last quarter)
Enterprise Value = 271.45b USD (223.78b + Debt 720.24b - CCE 672.58b)
Interest Coverage Ratio = 0.17 (Ebit TTM 14.47b / Interest Expense TTM 83.40b)
FCF Yield = -27.39% (FCF TTM -74.35b / Enterprise Value 271.45b)
FCF Margin = -44.17% (FCF TTM -74.35b / Revenue TTM 168.35b)
Net Margin = 8.73% (Net Income TTM 14.69b / Revenue TTM 168.35b)
Gross Margin = 44.16% ((Revenue TTM 168.35b - Cost of Revenue TTM 94.01b) / Revenue TTM)
Gross Margin QoQ = 44.80% (prev 44.38%)
Tobins Q-Ratio = 0.10 (Enterprise Value 271.45b / Total Assets 2642.47b)
Interest Expense / Debt = 3.02% (Interest Expense 21.75b / Debt 720.24b)
Taxrate = 29.14% (1.56b / 5.35b)
NOPAT = 10.25b (EBIT 14.47b * (1 - 29.14%))
Current Ratio = 0.37 (Total Current Assets 748.57b / Total Current Liabilities 2038.25b)
Debt / Equity = 3.38 (Debt 720.24b / totalStockholderEquity, last quarter 213.02b)
Debt / EBITDA = 16.19 (Net Debt 372.18b / EBITDA 22.98b)
Debt / FCF = -5.01 (negative FCF - burning cash) (Net Debt 372.18b / FCF TTM -74.35b)
Total Stockholder Equity = 211.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 14.69b / Total Assets 2642.47b)
RoE = 6.94% (Net Income TTM 14.69b / Total Stockholder Equity 211.81b)
RoCE = 2.74% (EBIT 14.47b / Capital Employed (Equity 211.81b + L.T.Debt 315.85b))
RoIC = 1.86% (NOPAT 10.25b / Invested Capital 550.05b)
WACC = 4.13% (E(223.78b)/V(944.02b) * Re(10.53%) + D(720.24b)/V(944.02b) * Rd(3.02%) * (1-Tc(0.29)))
Discount Rate = 10.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.24%
Fair Price DCF = unknown (Cash Flow -74.35b)
EPS Correlation: 12.09 | EPS CAGR: 12.36% | SUE: 2.10 | # QB: 2
Revenue Correlation: 86.61 | Revenue CAGR: 26.18% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.53 | Chg30d=+0.040 | Revisions Net=+1 | Analysts=14
EPS next Year (2026-12-31): EPS=10.02 | Chg30d=-0.002 | Revisions Net=+0 | Growth EPS=+31.9% | Growth Revenue=+3.3%

Additional Sources for C Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle