C Stock Analysis: Citigroup | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 205.100m USD | 12M Return: 31.8% | US1729674242 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.28B
EPS Trend: 96.6%
Qual. Beats: 0
Rev. Trend: 12.0%
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: -1.20k% < 20% (prev -766.1%; Δ -429.0% < -1%) |
| CFO/TA -0.01 > 3% & CFO -18.3b > Net Income 19.3b |
| Net Debt (77.0b) to EBITDA (31.0b): 2.48 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.84b) vs 12m ago -1.14% < -2% |
| Gross Margin: 53.71% > 18% (prev 44.18%; Δ 9.53% > 0.5%) |
| Asset Turnover: 5.52% > 50% (prev 6.37%; Δ -0.85% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBIT TTM 26.7b / Interest Expense TTM 83.1b) |
| A: -0.63 (Total Current Assets 433b - Total Current Liabilities 2276b) / Total Assets 2941b |
| B: 0.08 (Retained Earnings 228b / Total Assets 2941b) |
| C: 0.01 (EBIT TTM 26.7b / Avg Total Assets 2792b) |
| D: 0.07 (Book Value of Equity 191b / Total Liabilities 2729b) |
| Altman-Z'' = -3.72 = D |
| DSRI: 1.48 (Receivables 103b/76.0b, Revenue 154b/168b) |
| GMI: 0.82 (GM 44.18% / 53.71%) |
| AQI: 1.19 (AQ_t 0.84 / AQ_t-1 0.70) |
| SGI: 0.92 (Revenue 154b / 168b) |
| TATA: 0.01 (NI 19.3b - CFO -18.3b) / TA 2941b) |
| Beneish M = -2.74 (Cap -4..+1) = A |
As of October 17, 2026, the stock is trading at USD 124.26 with a total of 10,381,692 shares traded. Over the past week, the price has changed by -4.15%, over one month by -6.54%, over three months by -5.18% and over the past year by +31.82%.
Current recommended Stop Loss: 115.20 (which is 7.3% or 2.6 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 | 150.7 | 21.3% |
P/E Trailing = 12.142
P/E Forward = 10.2041
P/S = 2.4622
P/B = 1.1545
P/EG = 0.6001
Revenue TTM = 154b USD
EBIT TTM = 26.7b USD
EBITDA TTM = 31.0b USD
Long Term Debt = 316b USD (from longTermDebt, last fiscal year)
Short Term Debt = 61.5b USD (from shortTermDebt, last quarter)
Debt = 407b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 77.0b USD (calculated: Debt 407b - CCE 330b)
Enterprise Value = 282b USD (205b + Debt 407b - CCE 330b)
Interest Coverage Ratio = 0.32 (Ebit TTM 26.7b / Interest Expense TTM 83.1b)
EV/FCF = -11.51x (Enterprise Value 282b / FCF TTM -24.5b)
FCF Yield = -8.69% (FCF TTM -24.5b / Enterprise Value 282b)
FCF Margin = -15.90% (FCF TTM -24.5b / Revenue TTM 154b)
Net Margin = 12.54% (Net Income TTM 19.3b / Revenue TTM 154b)
Gross Margin = 53.71% ((Revenue TTM 154b - Cost of Revenue TTM 71.4b) / Revenue TTM)
Gross Margin QoQ = 89.14% (prev 49.14%)
Tobins Q-Ratio = 0.10 (Enterprise Value 282b / Total Assets 2941b)
Interest Expense / Debt = 20.40% (Interest Expense 83.1b / Debt 407b)
Taxrate = 25.35% (6.76b / 26.7b)
NOPAT = 19.9b (EBIT 26.7b * (1 - 25.35%))
Current Ratio = 0.19 (Total Current Assets 433b / Total Current Liabilities 2276b)
Debt / Equity = 2.13 (Debt 407b / totalStockholderEquity, last quarter 191b)
Debt / EBITDA = 2.48 (Net Debt 77.0b / EBITDA 31.0b)
Debt / FCF = -3.14 (negative FCF - burning cash) (Net Debt 77.0b / FCF TTM -24.5b)
Total Stockholder Equity = 207b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.69% (Net Income 19.3b / Total Assets 2941b)
RoE = 9.35% (Net Income TTM 19.3b / Total Stockholder Equity 207b)
RoCE = 5.10% (EBIT 26.7b / Capital Employed (Equity 207b + L.T.Debt 316b))
RoIC = 0.68% (NOPAT 19.9b / Invested Capital 2934b)
WACC = 13.70% (E(205b)/V(612b) * Re(10.68%) + D(407b)/V(612b) * Rd(20.40%) * (1-Tc(0.25)))
Discount Rate = 10.68% (= 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: 11.96 | Revenue CAGR: 0.48% | SUE: 0.00 | # QB: 0
EPS current Quarter (2027-03-31): EPS=3.28 | Chg30d=-0.26% | Revisions=-50% | Analysts=5
EPS current Year (2026-12-31): EPS=11.41 | Chg30d=+2.07% | Revisions=-40% | GrowthEPS=+51.6% | GrowthRev=+12.5%
EPS next Year (2027-12-31): EPS=13.07 | Chg30d=+1.47% | Revisions=+22% | GrowthEPS=+14.5% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -21% (up=4, down=7)