(C) Citigroup - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 220.904m USD | Total Return: 110.3% in 12m

Banking, Trading, Lending, Investments, Cards
Total Rating 44
Safety 29
Buy Signal 0.26
Banks - Diversified
Industry Rotation: +10.4
Market Cap: 221B
Avg Turnover: 1.58B USD
ATR: 2.97%
Peers RS (IBD): 86.1
Risk 5d forecast
Volatility26.8%
Rel. Tail Risk-4.07%
Reward TTM
Sharpe Ratio2.70
Alpha66.71
Character TTM
Beta1.514
Beta Downside1.984
Drawdowns 3y
Max DD31.31%
CAGR/Max DD1.36
EPS (Earnings per Share) EPS (Earnings per Share) of C over the last years for every Quarter: "2021-03": 3.62, "2021-06": 2.84, "2021-09": 2.15, "2021-12": 1.46, "2022-03": 2.02, "2022-06": 2.3, "2022-09": 1.63, "2022-12": 1.16, "2023-03": 1.86, "2023-06": 1.37, "2023-09": 1.52, "2023-12": 0.84, "2024-03": 1.79, "2024-06": 1.56, "2024-09": 1.52, "2024-12": 1.35, "2025-03": 1.96, "2025-06": 2.04, "2025-09": 2.26, "2025-12": 1.24,
EPS CAGR: -12.20%
EPS Trend: -3.3%
Last SUE: -2.39
Qual. Beats: 0
Revenue Revenue of C over the last years for every Quarter: 2021-03: 21706, 2021-06: 19734, 2021-09: 19416, 2021-12: 18332, 2022-03: 21468, 2022-06: 23236, 2022-09: 25240, 2022-12: 30439, 2023-03: 36452, 2023-06: 38187, 2023-09: 40748, 2023-12: 41395, 2024-03: 43722, 2024-06: 42638, 2024-09: 43359, 2024-12: 40900, 2025-03: 41255, 2025-06: 42352, 2025-09: 43840, 2025-12: 40855,
Rev. CAGR: 18.72%
Rev. Trend: 81.3%
Last SUE: 2.92
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: C Citigroup

Citigroup Inc. is a diversified financial services holding company. It serves consumers, corporations, governments, and institutions globally. The company operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth.

The Services segment provides treasury and trade solutions, including cash management and working capital, and securities services. The Markets segment offers sales and trading services across various asset classes, such as equities and foreign exchange, and market-making services. The Banking segment delivers investment banking services, including M&A advisory and corporate lending. The U.S. Personal Banking segment focuses on credit card portfolios and traditional banking for retail and small business customers. The Wealth segment provides financial services to high-net-worth clients, including banking, lending, and investment products. Diversified banks offer a broad range of financial products and services, typically generating revenue from interest income, fees, and trading activities.

Citigroup operates across North America, Europe, Asia, and other regions. The company, founded in 1812, is headquartered in New York, New York. Further research on ValueRay can provide more detailed insights into Citigroups financial performance and market position.

Headlines to Watch Out For
  • Global interest rate movements impact net interest income
  • Investment banking activity drives advisory and underwriting fees
  • Regulatory capital requirements constrain balance sheet growth
  • Economic downturns reduce consumer and corporate borrowing
  • Foreign exchange fluctuations affect international revenue translation
Piotroski VR‑10 (Strict) 3.0
Net Income: 14.27b TTM > 0 and > 6% of Revenue
FCF/TA: -0.04 > 0.02 and ΔFCF/TA -2.54 > 1.0
NWC/Revenue: -470.7% < 20% (prev -726.2%; Δ 255.5% < -1%)
CFO/TA -0.03 > 3% & CFO -90.52b > Net Income 14.27b
Net Debt (366.22b) to EBITDA (23.10b): 15.86 < 3
Current Ratio: 0.48 > 1.5 & < 3
Outstanding Shares: last quarter (1.86b) vs 12m ago -3.54% < -2%
Gross Margin: 44.55% > 18% (prev 0.42%; Δ 4.41k% > 0.5%)
Asset Turnover: 6.72% > 50% (prev 7.25%; Δ -0.53% > 0%)
Interest Coverage Ratio: 0.19 > 6 (EBITDA TTM 23.10b / Interest Expense TTM 83.07b)
Altman Z'' -1.57
A: -0.30 (Total Current Assets 738.12b - Total Current Liabilities 1530.29b) / Total Assets 2657.20b
B: 0.08 (Retained Earnings 215.13b / Total Assets 2657.20b)
C: 0.01 (EBIT TTM 16.02b / Avg Total Assets 2505.07b)
D: 0.07 (Book Value of Equity 173.26b / Total Liabilities 2443.38b)
Altman-Z'' Score: -1.57 = D
Beneish M -2.89
DSRI: 1.24 (Receivables 62.68b/51.12b, Revenue 168.30b/170.62b)
GMI: 0.93 (GM 44.55% / 41.63%)
AQI: 0.94 (AQ_t 0.71 / AQ_t-1 0.75)
SGI: 0.99 (Revenue 168.30b / 170.62b)
TATA: 0.04 (NI 14.27b - CFO -90.52b) / TA 2657.20b)
Beneish M-Score: -2.89 (Cap -4..+1) = A
What is the price of C shares? As of April 16, 2026, the stock is trading at USD 129.58 with a total of 16,605,267 shares traded.
Over the past week, the price has changed by +10.63%, over one month by +20.71%, over three months by +15.88% and over the past year by +110.30%.
Is C a buy, sell or hold? 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
What are the forecasts/targets for the C price?
Analysts Target Price 132.2 2%
Citigroup (C) - Fundamental Data Overview as of 15 April 2026
P/E Trailing = 18.04
P/E Forward = 12.3762
P/S = 2.9175
P/B = 1.1265
P/EG = 0.9239
Revenue TTM = 168.30b USD
EBIT TTM = 16.02b USD
EBITDA TTM = 23.10b USD
Long Term Debt = 315.83b USD (from longTermDebt, last quarter)
Short Term Debt = 399.98b USD (from shortTermDebt, last quarter)
Debt = 715.80b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 366.22b USD (from netDebt column, last quarter)
Enterprise Value = 261.27b USD (220.90b + Debt 715.80b - CCE 675.44b)
Interest Coverage Ratio = 0.19 (Ebit TTM 16.02b / Interest Expense TTM 83.07b)
EV/FCF = -2.69x (Enterprise Value 261.27b / FCF TTM -97.04b)
FCF Yield = -37.14% (FCF TTM -97.04b / Enterprise Value 261.27b)
FCF Margin = -57.66% (FCF TTM -97.04b / Revenue TTM 168.30b)
Net Margin = 8.48% (Net Income TTM 14.27b / Revenue TTM 168.30b)
Gross Margin = 44.55% ((Revenue TTM 168.30b - Cost of Revenue TTM 93.32b) / Revenue TTM)
Gross Margin QoQ = 43.20% (prev 44.80%)
Tobins Q-Ratio = 0.10 (Enterprise Value 261.27b / Total Assets 2657.20b)
Interest Expense / Debt = 2.93% (Interest Expense 20.98b / Debt 715.80b)
Taxrate = 33.80% (1.29b / 3.81b)
NOPAT = 10.60b (EBIT 16.02b * (1 - 33.80%))
Current Ratio = 0.48 (Total Current Assets 738.12b / Total Current Liabilities 1530.29b)
Debt / Equity = 3.37 (Debt 715.80b / totalStockholderEquity, last quarter 212.29b)
Debt / EBITDA = 15.86 (Net Debt 366.22b / EBITDA 23.10b)
 Debt / FCF = -3.77 (negative FCF - burning cash) (Net Debt 366.22b / FCF TTM -97.04b)
 Total Stockholder Equity = 212.74b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 14.27b / Total Assets 2657.20b)
RoE = 6.71% (Net Income TTM 14.27b / Total Stockholder Equity 212.74b)
RoCE = 3.03% (EBIT 16.02b / Capital Employed (Equity 212.74b + L.T.Debt 315.83b))
RoIC = 1.90% (NOPAT 10.60b / Invested Capital 558.40b)
WACC = 4.15% (E(220.90b)/V(936.71b) * Re(11.31%) + D(715.80b)/V(936.71b) * Rd(2.93%) * (1-Tc(0.34)))
Discount Rate = 11.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.24%
 [DCF] Fair Price = unknown (Cash Flow -97.04b)
 EPS Correlation: -3.25 | EPS CAGR: -12.20% | SUE: -2.39 | # QB: 0
Revenue Correlation: 81.28 | Revenue CAGR: 18.72% | SUE: 2.92 | # QB: 1
EPS next Quarter (2026-06-30): EPS=2.56 | Chg7d=+0.005 | Chg30d=-0.007 | Revisions Net=-2 | Analysts=9
EPS current Year (2026-12-31): EPS=10.35 | Chg7d=+0.043 | Chg30d=+0.084 | Revisions Net=+2 | Growth EPS=+37.5% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=12.27 | Chg7d=+0.053 | Chg30d=+0.101 | Revisions Net=+3 | Growth EPS=+18.5% | Growth Revenue=+3.6%
[Analyst] Revisions Ratio: -0.50 (1 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.8% (Discount Rate 11.3% - Earnings Yield 5.5%)
[Growth] Growth Spread = +0.1% (Analyst 5.8% - Implied 5.8%)
External Resources
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