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C: Corporate Restructuring And Buybacks Will Shape Returns Amid Margin Pressure

Update shared on 30 Nov 2025

Fair value Increased 0.21%
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AnalystConsensusTarget's Fair Value
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1Y
43.8%
7D
3.0%

Citigroup's analyst price target has been modestly revised upward from $114.10 to $114.33, as analysts reassess key financial metrics and near-term earnings expectations.

What's in the News

  • Citi will integrate its Retail Bank into the Wealth business, consolidating relationship tiers under Kate Luft. Branded Cards and Retail Services are being combined to form U.S. Consumer Cards, led by Pam Habner. (Company Announcement)
  • Chief Financial Officer Mark Mason will transition his role to Gonzalo Luchetti by early March 2026. Mason will move to Executive Vice Chair and Senior Executive Advisor. (Company Announcement)
  • Citi has expanded Citi Token Services to include Euro transactions and extended its reach to Dublin, enhancing real-time, cross-border payment capabilities for corporate and institutional clients. (Company Announcement)
  • The company completed a $4.99 billion share buyback tranche, repurchasing 51.7 million shares. This brings total repurchases under its 2025 program to over 102 million shares valued at $8.75 billion. (Company Announcement)
  • Citigroup reported a goodwill impairment charge of $726 million for the third quarter of 2025. (Company Announcement)

Valuation Changes

  • Fair Value Target has increased slightly, moving from $114.10 to $114.33.
  • Discount Rate has edged down marginally, from 8.21% to 8.21%.
  • Revenue Growth Estimate has decreased, shifting from 5.67% to 5.47%.
  • Net Profit Margin is down significantly, falling from 24.57% to 18.49%.
  • Future P/E Ratio has risen, rising from 10.02x to 13.56x.

Disclaimer

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