C Stock Analysis: Citigroup | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 205.503m USD | 12M Return: 25% | US1729674242 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.08B
EPS Trend: 96.6%
Qual. Beats: 0
Rev. Trend: 83.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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: 19.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 2.71 > 1.0 |
| NWC/Revenue: -249.8% < 20% (prev -1.52k%; Δ 1.27k% < -1%) |
| CFO/TA -0.01 > 3% & CFO -18.3b > Net Income 19.3b |
| Net Debt (-645b) to EBITDA (31.0b): -20.79 < 3 |
| Current Ratio: 0.86 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.84b) vs 12m ago -1.14% < -2% |
| Gross Margin: 46.50% > 18% (prev -10.64%; Δ 57.13% > 0.5%) |
| Asset Turnover: 4.78% > 50% (prev 3.21%; Δ 1.56% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBIT TTM 26.7b / Interest Expense TTM 83.1b) |
| A: -0.11 (Total Current Assets 1977b - Total Current Liabilities 2310b) / Total Assets 2941b |
| B: 0.08 (Retained Earnings 228b / Total Assets 2941b) |
| C: 0.01 (EBIT TTM 26.7b / Avg Total Assets 2792b) |
| D: 0.08 (Book Value of Equity 209b / Total Liabilities 2729b) |
| Altman-Z'' = -0.35 = B |
| DSRI: 3.0 (Receivables 514b/76.0b, Revenue 133b/84.9b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.45 (AQ_t 0.32 / AQ_t-1 0.70) |
| SGI: 1.57 (Revenue 133b / 84.9b) |
| TATA: 0.01 (NI 19.3b - CFO -18.3b) / TA 2941b) |
| Beneish M = -1.30 (Cap -4..+1) = D |
As of November 01, 2026, the stock is trading at USD 122.64 with a total of 13,629,774 shares traded. Over the past week, the price has changed by +1.67%, over one month by -6.24%, over three months by -6.84% and over the past year by +24.96%.
Current recommended Stop Loss: 118.40 (which is 3.5% or 1.4 ATR below the current price).
Citigroup has received a consensus analysts rating of 4.35. Therefore, it is recommended to buy C.
- StrongBuy: 13
- Buy: 5
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 151 | 23.1% |
P/E Trailing = 12.07
P/E Forward = 10.2041
P/S = 2.467
P/B = 1.1545
P/EG = 0.6001
Revenue TTM = 133b USD
EBIT TTM = 26.7b USD
EBITDA TTM = 31.0b USD
Long Term Debt = 316b USD (from longTermDebt, last fiscal year)
Short Term Debt = 472b USD (from shortTermDebt, last quarter)
Debt = 817b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -645b USD (calculated: Debt 817b - CCE 1463b)
Enterprise Value = 206b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.32 (Ebit TTM 26.7b / Interest Expense TTM 83.1b)
EV/FCF = -8.38x (Enterprise Value 206b / FCF TTM -24.5b)
FCF Yield = -11.93% (FCF TTM -24.5b / Enterprise Value 206b)
FCF Margin = -18.37% (FCF TTM -24.5b / Revenue TTM 133b)
Net Margin = 14.49% (Net Income TTM 19.3b / Revenue TTM 133b)
Gross Margin = 46.50% ((Revenue TTM 133b - Cost of Revenue TTM 71.4b) / Revenue TTM)
Gross Margin QoQ = 89.14% (prev 49.14%)
Tobins Q-Ratio = 0.07 (Enterprise Value 206b / Total Assets 2941b)
Interest Expense / Debt = 10.16% (Interest Expense 83.1b / Debt 817b)
Taxrate = 25.35% (6.76b / 26.7b)
NOPAT = 19.9b (EBIT 26.7b * (1 - 25.35%))
Current Ratio = 0.86 (Total Current Assets 1977b / Total Current Liabilities 2310b)
Debt / Equity = 3.90 (Debt 817b / totalStockholderEquity, last quarter 209b)
Debt / EBITDA = -20.79 (Net Debt -645b / EBITDA 31.0b)
Debt / FCF = 26.32 (negative FCF - burning cash) (Net Debt -645b / FCF TTM -24.5b)
Total Stockholder Equity = 211b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.69% (Net Income 19.3b / Total Assets 2941b)
RoE = 9.15% (Net Income TTM 19.3b / Total Stockholder Equity 211b)
RoCE = 5.06% (EBIT 26.7b / Capital Employed (Equity 211b + L.T.Debt 316b))
RoIC = 1.82% (NOPAT 19.9b / Invested Capital 1096b)
WACC = 8.08% (E(206b)/V(1023b) * Re(10.04%) + D(817b)/V(1023b) * Rd(10.16%) * (1-Tc(0.25)))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -86.69 | Cagr: -2.42%
[DCF] Fair Price = unknown (Cash Flow -24.5b)
EPS Correlation: 96.64 | EPS CAGR: 26.33% | SUE: 0.68 | # QB: 0
Revenue Correlation: 83.77 | Revenue CAGR: 20.42% | SUE: 0.00 | # QB: 0
EPS current Quarter (2027-03-31): EPS=3.29 | Chg30d=+0.04% | Revisions=-50% | Analysts=5
EPS current Year (2026-12-31): EPS=11.40 | Chg30d=+1.92% | Revisions=+0% | GrowthEPS=+51.3% | GrowthRev=+12.6%
EPS next Year (2027-12-31): EPS=13.05 | Chg30d=+1.29% | Revisions=+36% | GrowthEPS=+14.5% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +6% (up=8, down=7)