(C) Citigroup - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 213.862m USD | Total Return: 70.5% in 12m
Avg Turnover: 1.20B
EPS Trend: 86.0%
Qual. Beats: 1
Rev. Trend: 74.5%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Citigroup Inc. is a global financial services holding company headquartered in New York, operating across five core segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The firm provides a broad range of products including investment banking, retail banking, securities trading, and treasury solutions to institutional and individual clients. Its geographic footprint spans North America, Europe, Asia, and emerging markets.
As a Global Systemically Important Bank (G-SIB), Citigroup is subject to stringent capital adequacy requirements and regulatory oversight designed to maintain financial stability. The company’s business model relies heavily on net interest margin and fee-based income from advisory and asset management services. Examining ValueRays fundamental analysis can provide further insight into the companys valuation metrics.
The Services and Markets segments cater to multinational corporations and institutional investors, offering liquidity, risk management, and cross-border trade solutions. Meanwhile, the U.S. Personal Banking division focuses on credit card portfolios and retail deposit gathering, which serve as a primary source of funding for the banks lending activities.
- Ongoing organizational restructuring reduces operating expenses and improves efficiency ratios
- Higher interest rates drive net interest margin expansion across global banking segments
- Credit card delinquency rates impact profitability within U.S. Personal Banking division
- Federal Reserve capital requirements and stress tests dictate dividend and buyback capacity
- Global expansion of Services segment increases recurring fee-based revenue from multinational clients
| 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 0.42%; Δ 4.51k% > 0.5%) |
| Asset Turnover: 6.40% > 50% (prev 6.54%; Δ -0.14% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBITDA TTM 26.3b / 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: 0.07 (Book Value of Equity 179b / Total Liabilities 2565b) |
| Altman-Z'' = -0.60 = B |
| DSRI: 1.56 (Receivables 91.7b/57.7b, Revenue 171b/168b) |
| GMI: 0.93 (GM 45.48% / 42.37%) |
| 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 = -2.43 (Cap -4..+1) = BBB |
As of May 30, 2026, the stock is trading at USD 125.90 with a total of 7,637,801 shares traded.
Over the past week, the price has changed by +0.54%,
over one month by -0.87%,
over three months by +14.80% and
over the past year by +70.47%.
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 | 146.9 | 16.7% |
P/E Trailing = 15.4994
P/E Forward = 11.8483
P/S = 2.7163
P/B = 1.1173
P/EG = 0.6972
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 = 939b USD (214b + Debt 749b - CCE 23.6b)
Interest Coverage Ratio = 0.26 (Ebit TTM 21.9b / Interest Expense TTM 83.2b)
EV/FCF = -25.24x (Enterprise Value 939b / FCF TTM -37.2b)
FCF Yield = -3.96% (FCF TTM -37.2b / Enterprise Value 939b)
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 = 0.34 (Enterprise Value 939b / Total Assets 2778b)
Interest Expense / Debt = 11.10% (Interest Expense 83.2b / Debt 749b)
Taxrate = 20.99% (1.58b / 7.52b)
NOPAT = 17.3b (EBIT 21.9b * (1 - 20.99%))
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 = 0.62% (NOPAT 17.3b / Invested Capital 2777b)
WACC = 9.31% (E(214b)/V(963b) * Re(11.17%) + D(749b)/V(963b) * Rd(11.10%) * (1-Tc(0.21)))
Discount Rate = 11.17% (= 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=2.60 | Chg30d=+1.30% | Revisions=-8% | Analysts=11
EPS next Quarter (2026-09-30): EPS=2.65 | Chg30d=-0.20% | Revisions=-29% | Analysts=11
EPS current Year (2026-12-31): EPS=10.84 | Chg30d=+0.87% | Revisions=+75% | GrowthEPS=+44.0% | GrowthRev=+9.7%
EPS next Year (2027-12-31): EPS=12.53 | Chg30d=+1.14% | Revisions=+47% | GrowthEPS=+15.5% | GrowthRev=+3.6%
[Analyst] Revisions Ratio: +75%