(C) Citigroup - Ratings and Ratios
Treasury, Trade, Securities, Markets, Banking
Dividends
| Dividend Yield | 2.26% |
| Yield on Cost 5y | 4.90% |
| Yield CAGR 5y | 1.67% |
| Payout Consistency | 83.5% |
| Payout Ratio | 32.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 25.6% |
| Value at Risk 5%th | 40.0% |
| Relative Tail Risk | -4.89% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.34 |
| Alpha | 34.32 |
| CAGR/Max DD | 1.16 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.425 |
| Beta | 1.225 |
| Beta Downside | 1.540 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.31% |
| Mean DD | 6.97% |
| Median DD | 4.89% |
Description: C Citigroup December 01, 2025
Citigroup Inc. (NYSE:C) is a global diversified financial services holding company that serves consumers, corporations, governments, and institutions across five operating segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth.
The Services segment delivers treasury and trade solutions-including cash management, trade financing, and securities services such as post-trade technology and data analytics-to multinational corporates and public-sector clients, leveraging Citi’s extensive cross-border network.
The Markets segment provides sales and trading across equities, FX, rates, spreads, and commodities, as well as market-making, financing, and prime brokerage services for institutional and corporate customers.
Banking focuses on investment banking (equity and debt capital markets, M&A advisory) and corporate lending, while the U.S. Personal Banking unit offers proprietary and co-branded credit cards plus traditional retail banking for consumers and small businesses. The Wealth segment targets high-net-worth individuals and professional firms with banking, lending, mortgage, investment, custody, and trust solutions.
Citigroup operates in North America, Europe, Asia-Pacific, the Middle East, and Africa, and maintains a strong capital position with a Tier 1 common equity ratio of roughly 13% (Q3 2024) and an efficiency ratio near 60%, reflecting ongoing cost-control efforts.
Key macro drivers include the U.S. Federal Reserve’s interest-rate policy, which directly impacts net interest income, and global trade-flow dynamics that affect treasury and securities-services demand; the bank’s diversified geography also buffers regional economic shocks.
For a deeper dive into Citigroup’s valuation metrics and peer comparisons, you might explore the analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (14.69b TTM) > 0 and > 6% of Revenue (6% = 10.10b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -0.52pp (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 -69.39b <= 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 |
| (C) 0.01 = EBIT TTM 14.47b / Avg Total Assets 2536.57b |
| (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) 37.19
| 1. Piotroski 4.0pt |
| 2. FCF Yield -31.46% |
| 3. FCF Margin -44.17% |
| 4. Debt/Equity 3.38 |
| 5. Debt/Ebitda 16.19 |
| 6. ROIC - WACC (= -2.02)% |
| 7. RoE 6.94% |
| 8. Rev. Trend 86.81% |
| 9. EPS Trend -1.25% |
What is the price of C shares?
Over the past week, the price has changed by +3.00%, over one month by +1.05%, over three months by +8.98% and over the past year by +47.82%.
Is C a buy, sell or hold?
- 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 | 114.3 | 11.3% |
| Analysts Target Price | 114.3 | 11.3% |
| ValueRay Target Price | 125.4 | 22.1% |
C Fundamental Data Overview November 29, 2025
P/E Trailing = 14.3961
P/E Forward = 10.2459
P/S = 2.5031
P/B = 0.9455
P/EG = 0.8135
Beta = 1.198
Revenue TTM = 168.35b USD
EBIT TTM = 14.47b USD
EBITDA TTM = 22.98b USD
Long Term Debt = 315.85b USD (from longTermDebt, last quarter)
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 = 236.36b USD (188.69b + Debt 720.24b - CCE 672.58b)
Interest Coverage Ratio = 0.17 (Ebit TTM 14.47b / Interest Expense TTM 83.40b)
FCF Yield = -31.46% (FCF TTM -74.35b / Enterprise Value 236.36b)
FCF Margin = -44.17% (FCF TTM -74.35b / 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 = 0.09 (Enterprise Value 236.36b / 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 = -5.01 (negative FCF - burning cash) (Net Debt 372.18b / FCF TTM -74.35b)
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 = 2.74% (EBIT 14.47b / Capital Employed (Equity 211.81b + L.T.Debt 315.85b))
RoIC = 1.86% (NOPAT 10.25b / Invested Capital 550.05b)
WACC = 3.88% (E(188.69b)/V(908.93b) * Re(10.53%) + D(720.24b)/V(908.93b) * Rd(3.02%) * (1-Tc(0.29)))
Discount Rate = 10.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.24%
Fair Price DCF = unknown (Cash Flow -74.35b)
EPS Correlation: -1.25 | EPS CAGR: 6.67% | SUE: 0.19 | # QB: 0
Revenue Correlation: 86.81 | Revenue CAGR: 26.18% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.49 | Chg30d=+0.016 | Revisions Net=+7 | Analysts=13
EPS next Year (2026-12-31): EPS=9.99 | Chg30d=+0.038 | Revisions Net=+5 | Growth EPS=+31.1% | Growth Revenue=+3.0%
Additional Sources for C Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle