C Stock Analysis: Citigroup | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 232.711m USD | 12M Return: 45.2% | US1729674242 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.21B
EPS Trend: 92.3%
Qual. Beats: 2
Rev. Trend: 36.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 17.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 2.73 > 1.0 |
| NWC/Revenue: -778.6% < 20% (prev -827.2%; Δ 48.66% < -1%) |
| CFO/TA -0.01 > 3% & CFO -18.3b > Net Income 17.8b |
| Net Debt (-183b) to EBITDA (29.2b): -6.26 < 3 |
| Current Ratio: 0.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.74b) vs 12m ago -8.32% < -2% |
| Gross Margin: 39.24% > 18% (prev 43.11%; Δ -3.86% > 0.5%) |
| Asset Turnover: 5.57% > 50% (prev 6.40%; Δ -0.83% > 0%) |
| Interest Coverage Ratio: 0.30 > 6 (EBIT TTM 24.7b / Interest Expense TTM 83.0b) |
| A: -0.41 (Total Current Assets 1080b - Total Current Liabilities 2276b) / Total Assets 2895b |
| B: 0.08 (Retained Earnings 224b / Total Assets 2895b) |
| C: 0.01 (EBIT TTM 24.7b / Avg Total Assets 2759b) |
| D: 0.08 (Book Value of Equity 212b / Total Liabilities 2680b) |
| Altman-Z'' = -2.31 = D |
| DSRI: 1.42 (Receivables 83.3b/64.3b, Revenue 154b/168b) |
| GMI: 1.10 (GM 43.11% / 39.24%) |
| AQI: 0.82 (AQ_t 0.62 / AQ_t-1 0.75) |
| SGI: 0.92 (Revenue 154b / 168b) |
| TATA: 0.01 (NI 17.8b - CFO -18.3b) / TA 2895b) |
| Beneish M = -2.76 (Cap -4..+1) = A |
As of August 22, 2026, the stock is trading at USD 131.65 with a total of 11,273,878 shares traded. Over the past week, the price has changed by -5.51%, over one month by -0.39%, over three months by +5.67% and over the past year by +45.19%.
Current recommended Stop Loss: 127.20 (which is 3.4% or 1.3 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 | 154.5 | 17.4% |
P/E Trailing = 14.8216
P/E Forward = 12.3916
P/S = 2.8479
P/B = 1.1785
P/EG = 0.7291
Revenue TTM = 154b USD
EBIT TTM = 24.7b USD
EBITDA TTM = 29.2b USD
Long Term Debt = 334b USD (from longTermDebt, last quarter)
Short Term Debt = 480b USD (from shortTermDebt, last quarter)
Debt = 814b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -183b USD (calculated: Debt 814b - CCE 997b)
Enterprise Value = 49.8b USD (233b + Debt 814b - CCE 997b)
Interest Coverage Ratio = 0.30 (Ebit TTM 24.7b / Interest Expense TTM 83.0b)
EV/FCF = -2.03x (Enterprise Value 49.8b / FCF TTM -24.5b)
FCF Yield = -49.20% (FCF TTM -24.5b / Enterprise Value 49.8b)
FCF Margin = -15.96% (FCF TTM -24.5b / Revenue TTM 154b)
Net Margin = 11.59% (Net Income TTM 17.8b / Revenue TTM 154b)
Gross Margin = 39.24% ((Revenue TTM 154b - Cost of Revenue TTM 93.3b) / Revenue TTM)
Gross Margin QoQ = none% (prev 49.31%)
Tobins Q-Ratio = 0.02 (Enterprise Value 49.8b / Total Assets 2895b)
Interest Expense / Debt = 10.20% (Interest Expense 83.0b / Debt 814b)
Taxrate = 26.03% (6.43b / 24.7b)
NOPAT = 18.3b (EBIT 24.7b * (1 - 26.03%))
Current Ratio = 0.47 (Total Current Assets 1080b / Total Current Liabilities 2276b)
Debt / Equity = 3.84 (Debt 814b / totalStockholderEquity, last quarter 212b)
Debt / EBITDA = -6.26 (Net Debt -183b / EBITDA 29.2b)
Debt / FCF = 7.46 (negative FCF - burning cash) (Net Debt -183b / FCF TTM -24.5b)
Total Stockholder Equity = 212b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.65% (Net Income 17.8b / Total Assets 2895b)
RoE = 8.39% (Net Income TTM 17.8b / Total Stockholder Equity 212b)
RoCE = 4.53% (EBIT 24.7b / Capital Employed (Equity 212b + L.T.Debt 334b))
RoIC = 1.68% (NOPAT 18.3b / Invested Capital 1091b)
WACC = 8.26% (E(233b)/V(1047b) * Re(10.76%) + D(814b)/V(1047b) * Rd(10.20%) * (1-Tc(0.26)))
Discount Rate = 10.76% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.97 | Cagr: -4.56%
[DCF] Fair Price = unknown (Cash Flow -24.5b)
EPS Correlation: 92.28 | EPS CAGR: 20.79% | SUE: 1.61 | # QB: 2
Revenue Correlation: 36.27 | Revenue CAGR: 2.07% | SUE: 0.03 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.62 | Chg30d=-2.04% | Revisions=-10% | Analysts=9
EPS current Year (2026-12-31): EPS=11.15 | Chg30d=+2.15% | Revisions=+25% | GrowthEPS=+48.1% | GrowthRev=+12.4%
EPS next Year (2027-12-31): EPS=12.88 | Chg30d=+2.39% | Revisions=+25% | GrowthEPS=+15.5% | GrowthRev=+3.9%
[Analyst] Revisions Ratio: +18% (up=15, down=10)