Overview Dividends

(C) Citigroup - Ratings and Ratios

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

Treasury, Trade, Securities, Trading, Banking

C EPS (Earnings per Share)

EPS Growth (3Y CAGR): 27.45%
EPS Trend (3Y Correlation): 54.1%

C Revenue

Revenue Growth (3Y CAGR): 14.19%
Revenue Trend (3Y Correlation): 73.5%

Description: C Citigroup September 24, 2025

Citigroup Inc. (NYSE:C) is a global diversified financial-services holding company that serves consumers, corporations, governments, and institutions through five operating segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment delivers treasury and trade solutions and securities services; Markets provides sales-and-trading and market-making across equities, FX, rates, spreads, and commodities; Banking combines investment-banking (equity/debt capital markets, M&A advisory) with corporate lending; U.S. Personal Banking offers card portfolios and traditional retail banking; and Wealth caters to high-net-worth individuals and professional firms with banking, lending, investment, custody, and trust products.

The firm’s footprint spans North America, the United Kingdom, Japan, broader Asia, Australia, Europe, the Middle East, and Africa, reflecting a truly multinational client base and exposure to diverse regulatory regimes.

Key recent metrics (2023) include a net income of roughly $13.9 billion, a Common Equity Tier 1 (CET1) capital ratio of 13.5 %-well above the Basel III minimum-and a dividend yield near 3 %. The business is highly sensitive to the Federal Reserve’s interest-rate policy, as net interest income drives a large share of earnings, while credit-quality trends in the corporate loan book influence provisioning and risk-adjusted returns. Additionally, the ongoing shift toward digital banking and post-trade automation is a sector-wide driver that could enhance operating efficiency for the Services and Wealth segments.

For a deeper quantitative breakdown, you might explore ValueRay’s platform, which aggregates peer-adjusted metrics and scenario analyses.

C Stock Overview

Market Cap in USD	173,007m
Sub-Industry	Diversified Banks
IPO / Inception	1977-01-03

C Stock Ratings

Growth Rating	81.7%
Fundamental	39.0%
Dividend Rating	58.6%
Return 12m vs S&P 500	34.5%
Analyst Rating	4.18 of 5

C Dividends

Dividend Yield 12m	2.92%
Yield on Cost 5y	8.01%
Annual Growth 5y	1.67%
Payout Consistency	86.1%
Payout Ratio	25.4%

C Growth Ratios

Growth Correlation 3m	67.5%
Growth Correlation 12m	79.9%
Growth Correlation 5y	40.1%
CAGR 5y	34.28%
CAGR/Max DD 3y (Calmar Ratio)	1.09
CAGR/Mean DD 3y (Pain Ratio)	4.75
Sharpe Ratio 12m	1.93
Alpha	37.92
Beta	1.357
Volatility	30.21%
Current Volume	11870.7k
Average Volume 20d	13793.3k
Stop Loss	95 (-3.8%)
Signal	0.61

Piotroski VR‑10 (Strict, 0-10) 4.0

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

FCFTA -0.04 (>2.0%) and ΔFCFTA -2.58pp (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 -87.17b <= 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) 39.00

1. Piotroski 4.0pt = -1.0

2. FCF Yield -42.45% = -5.0

3. FCF Margin -55.65% = -7.50

4. Debt/Equity 3.38 = -1.31

5. Debt/Ebitda 16.19 = -2.50

6. ROIC - WACC (= -1.98)% = -2.47

7. RoE 6.94% = 0.58

8. Rev. Trend 73.46% = 5.51

9. EPS Trend 54.09% = 2.70

What is the price of C shares?

As of October 28, 2025, the stock is trading at USD 98.78 with a total of 11,870,689 shares traded.
Over the past week, the price has changed by -0.52%, over one month by -4.49%, over three months by +4.06% and over the past year by +58.69%.

Is Citigroup a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Citigroup (NYSE:C) is currently (October 2025) a stock to sell. It has a ValueRay Fundamental Rating of 39.00 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of C is around 113.98 USD . This means that C is currently undervalued and has a potential upside of +15.39% (Margin of Safety).

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	113.5	14.9%
Analysts Target Price	113.5	14.9%
ValueRay Target Price	121.8	23.3%

C Fundamental Data Overview October 25, 2025

Market Cap USD = 173.01b (173.01b USD * 1.0 USD.USD)
P/E Trailing = 13.5801
P/E Forward = 9.8717
P/S = 2.295
P/B = 0.9102
P/EG = 0.8293
Beta = 1.357
Revenue TTM = 168.35b USD
EBIT TTM = 14.47b USD
EBITDA TTM = 22.98b USD
Long Term Debt = 287.30b USD (from longTermDebt, last fiscal year)
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 = 220.67b USD (173.01b + Debt 720.24b - CCE 672.58b)
Interest Coverage Ratio = 0.17 (Ebit TTM 14.47b / Interest Expense TTM 83.40b)
FCF Yield = -42.45% (FCF TTM -93.69b / Enterprise Value 220.67b)
FCF Margin = -55.65% (FCF TTM -93.69b / 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 = 0.08 (Enterprise Value 220.67b / 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 = -3.97 (negative FCF - burning cash) (Net Debt 372.18b / FCF TTM -93.69b)
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 = 2.90% (EBIT 14.47b / Capital Employed (Equity 211.81b + L.T.Debt 287.30b))
RoIC = 1.88% (NOPAT 10.25b / Invested Capital 545.21b)
WACC = 3.86% (E(173.01b)/V(893.25b) * Re(11.02%) + D(720.24b)/V(893.25b) * Rd(3.02%) * (1-Tc(0.29)))
Discount Rate = 11.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.24%
Fair Price DCF = unknown (Cash Flow -93.69b)
EPS Correlation: 54.09 | EPS CAGR: 27.45% | SUE: 2.10 | # QB: 2
Revenue Correlation: 73.46 | Revenue CAGR: 14.19% | SUE: 0.80 | # QB: 0

Additional Sources for C Stock

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