Citigroup Inc.

C Financial Services Banks - Diversified NYSE

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$108.88

+$1.09 (+1.01%)

Open: $107.67 | High: $109.37 | Low: $107.51 | Prev Close: $107.80

Market Cap: $202.59B

Volume: 10.7M | Avg: 12.8M

Last updated: December 05, 2025 at 10:00 PM
Investment Rating
B-

Neutral

Overall Score: 60/100

Rating Breakdown:
DCF Score 3/5
60%
Neutral
ROE Score 3/5
60%
Neutral
ROA Score 3/5
60%
Neutral
D/E Score 1/5
20%
Strong Sell
P/E Score 2/5
40%
Sell
P/B Score 3/5
60%
Neutral
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Stock Score Analysis
E

Stock Score: 435

Comprehensive Quality Assessment

Component Breakdown:
Efficiency 10
Financial Health 20
Growth 50
Market Sentiment 10
Risk 0
Lower is better
Valuation 45
Momentum 0
View Full Stock Score Dashboard
Valuation Metrics
Valuation Ratios
P/E Ratio 15.29
P/B Ratio 0.93
P/S Ratio 1.20
EPS $7.12
Beta 1.20
Shares Outstanding 1.86B
Price Range & Moving Averages
52-Week High $109.37
52-Week Low $55.51
SMA 50 $100.00
SMA 200 $85.96
Dividend Information
Dividend Yield 2.13%
Annual Dividend $2.32
Earnings
Next Earnings January 14, 2026 01:30 PM ET
Financial Ratios
Margins
Gross Margin 44.2%
Operating Margin 11.8%
Net Margin 8.7%
Returns
ROE 6.9%
ROA 0.6%
Liquidity & Leverage
Debt/Equity 3.38
Current Ratio 0.37
Quick Ratio 0.37
Balance Sheet
Total Assets $2352.95B
Total Liabilities $2143.58B
Total Equity $208.60B
Cash $276.53B
Total Debt $590.56B
Net Debt $314.03B
Income Statement
Revenue $170.71B
Gross Profit $71.12B
Operating Income $17.05B
Net Income $12.68B
EBITDA $21.36B
Revenue/Share $92.48
Cash Flow
Operating CF $-19,669,000,000
CapEx $6.50B
Free Cash Flow $-26,169,000,000
Book Value/Share $117.50
Tangible Book/Share $104.61
Equity/Share $117.03
Technical Indicators
RSI (14) 69.43 Neutral
MACD
1.51 Signal: 0.77
Volatility 22.30%
Trading Signal Bullish
Performance & Returns
Total Returns
1 Year +29.71%
Risk-Adjusted Returns
Sharpe Ratio 1.12 Good
Volatility (Ann.) 32.58% Moderate
vs S&P 500 (SPY)
C (1Y) +29.71%
S&P 500 (1Y) +11.86%
Alpha (Excess Return) +17.85%
Risk-free rate: 4.5% (3-month US Treasury) • Based on 199 trading days
Sector Comparison (Financial Services)
Compared to 166 peers in Financial Services
Metric C Sector Avg Percentile
P/E Ratio 15.29 48.27 25%
P/B Ratio 0.93 3.97 7%
ROE (%) 6.94% 18.53% 12%
Net Margin (%) 8.73% 18.69% 12%
Stock Score 435 408.0 64%
1Y Return (%) +29.71% +6.09% 96%
Percentile: 0% = worst in sector, 100% = best in sector
Historical Price Analysis (Last 200 Days)
Technical Analysis
Ticker Close SMA 5 SMA 8 SMA 13 SMA 50 SMA 200 RSI (14) MACD Volatility (%) Volume Signal SMA Decision
C $108.88 $104.80 $103.42 $101.54 $100.00 $85.96 69.43 1.51 22.30% 12811346 Strong Long Bullish Stack
Candlestick Patterns

There wasn't any recognizable pattern for the C stock

News Sentiment
📊 Ticker 📰 Headline 💭 Sentiment 📡 Source 🔗 URL
C Citigroup promotes 276 employees to managing director in smallest class since 2020 Neutral reuters.com Read More
C Citigroup Announces Full Redemption of Series W Preferred Stock Neutral businesswire.com Read More
C First Look: Airbus trims targets, AWS AI, AEO hikes outlook Neutral gurufocus.com Read More
C Musinsa Eyes $6.8 Billion IPO as Global Fashion Platform Teases New York vs. Seoul Showdown Neutral gurufocus.com Read More
C Citigroup hires BofA executive in prime brokerage push, source says Neutral reuters.com Read More
Company Information

Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

CEO Jane Nind Fraser
Employees 229000
Country US
IPO Date 1977-01-03
Exchange NYSE
Website https://www.citigroup.com
Sector Financial Services
Industry Banks - Diversified
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Rating Metrics Explained
DCF Score (Discounted Cash Flow)

Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.

ROE Score (Return on Equity)

Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.

ROA Score (Return on Assets)

Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.

D/E Score (Debt-to-Equity)

Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.

P/E Score (Price-to-Earnings)

Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.

P/B Score (Price-to-Book)

Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.

Rating Recommendations:

Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:

  • Strong Buy (5/5): Excellent score - strong positive indicator
    • The metric significantly outperforms industry averages (top 20% of companies)
    • Indicates exceptional financial health or attractive valuation in that category
  • Buy (4/5): Good score - positive indicator
    • Above-average performance (top 40% of companies)
    • Shows strong fundamentals with room for improvement
  • Neutral (3/5): Average score - neutral indicator
    • Performance in line with industry median (middle 20%)
    • Neither significantly positive nor negative signal
  • Sell (2/5): Below average - negative indicator
    • Below-average performance (bottom 40% of companies)
    • Suggests weakness in this particular metric
  • Strong Sell (1/5): Poor score - strong negative indicator
    • Significantly underperforms industry (bottom 20%)
    • Indicates potential risk or overvaluation in that category
Note: The overall rating combines all six component scores to provide a comprehensive investment assessment. No single metric should be used in isolation for investment decisions.