Citigroup (C) Stock Overview
A diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
C Community Fair Values
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Analyst Price Targets
Top Community Narratives
US$233.04
FV
39.4% undervalued intrinsic discount6.00%
Revenue growth p.a.
5.2k
users have viewed this narrative19users have liked this narrative
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Citigroup Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$141.21 |
| 52 Week High | US$143.56 |
| 52 Week Low | US$76.95 |
| Beta | 1.11 |
| 1 Month Change | 14.41% |
| 3 Month Change | 31.10% |
| 1 Year Change | 80.88% |
| 3 Year Change | 193.03% |
| 5 Year Change | 106.30% |
| Change since IPO | 706.91% |
Recent News & Updates
Seeking Alpha • Jun 13
Citigroup: 6.3% Yielding Preferred Shares Are Interesting
Summary Citigroup is aggressively buying back shares, reducing net share count by nearly 9% year-over-year. The new Series R preferred shares offer a 6.3% yield and call protection until February 2031, making them attractive in the current rate environment. Q1 results showed robust net income of $5.79B, with preferred dividends well covered at less than 5.3% of attributable net income. Series R preferreds present a compelling risk-reward, especially if rates decline by 2031, and common shares may also be appealing at lower entry points. Read the full article on Seeking Alpha
Narrative Update • Jun 07
C: Transformation And Capital Returns Will Support Higher Share Price Ahead
Analysts have adjusted their Citigroup price target from $150.00 to $167.09, reflecting updated assumptions around revenue growth, profit margins, and future P/E expectations. What's in the News CEO Jane Fraser's five year transformation has focused on simplifying Citigroup, cutting management layers, exiting 14 markets, and committing to 20,000 job reductions.
Narrative Update • May 24
C: AI Wealth Platform And Buybacks Will Support Constructive Outlook
Analysts have nudged their price target for Citigroup higher to about $146.93 from $142.50, tying this shift to updated assumptions around the discount rate, revenue growth, profit margin and future P/E expectations. What's in the News Citi Wealth launched Citi Sky, an AI powered virtual team member built with Google Cloud and Google DeepMind technology, designed to give U.S. clients market insights, prompts on CD maturities, and support for advisor conversations in English and Spanish, with a phased rollout to Citigold clients beginning this summer.Recent updates
Seeking Alpha • Jun 13
Citigroup: 6.3% Yielding Preferred Shares Are Interesting
Summary Citigroup is aggressively buying back shares, reducing net share count by nearly 9% year-over-year. The new Series R preferred shares offer a 6.3% yield and call protection until February 2031, making them attractive in the current rate environment. Q1 results showed robust net income of $5.79B, with preferred dividends well covered at less than 5.3% of attributable net income. Series R preferreds present a compelling risk-reward, especially if rates decline by 2031, and common shares may also be appealing at lower entry points. Read the full article on Seeking AlphaNarrative Update • Jun 07
C: Transformation And Capital Returns Will Support Higher Share Price Ahead
Analysts have adjusted their Citigroup price target from $150.00 to $167.09, reflecting updated assumptions around revenue growth, profit margins, and future P/E expectations. What's in the News CEO Jane Fraser's five year transformation has focused on simplifying Citigroup, cutting management layers, exiting 14 markets, and committing to 20,000 job reductions.Narrative Update • May 24
C: AI Wealth Platform And Buybacks Will Support Constructive Outlook
Analysts have nudged their price target for Citigroup higher to about $146.93 from $142.50, tying this shift to updated assumptions around the discount rate, revenue growth, profit margin and future P/E expectations. What's in the News Citi Wealth launched Citi Sky, an AI powered virtual team member built with Google Cloud and Google DeepMind technology, designed to give U.S. clients market insights, prompts on CD maturities, and support for advisor conversations in English and Spanish, with a phased rollout to Citigold clients beginning this summer.Narrative Update • Apr 29
C: AI Wealth Tools And Capital Actions Will Shape Balanced Outlook
Analysts have revised their price target on Citigroup to $142.50 from $132.18, citing updated assumptions around fair value, discount rate, revenue growth, profit margins and future P/E expectations. What's in the News Citi Wealth introduced Citi Sky, an always on AI powered tool built with Google Cloud and Google DeepMind technology.Narrative Update • Apr 14
C: Banamex Stake Sales And Capital Actions Will Shape Balanced Outlook
Analysts have adjusted their price target for Citigroup slightly lower to reflect a fair value move from about $134.32 to $132.18. They tie this to updated assumptions around the discount rate, revenue growth, profit margins, and future P/E expectations.
Narrative Update • Mar 31
C: Capital Actions And European Expansion Will Shape Future Earnings Quality
Analysts have trimmed their average price target on Citigroup to about $112.86 from roughly $114.04, reflecting updated assumptions for revenue growth, profit margins and future P/E multiples. What's in the News Citi has signed a long term lease for office space in The Rock, a new office building in Luxembourg’s Cloche d’Or district.Narrative Update • Mar 17
C: Banamex Stake Sale And Capital Actions Will Drive Future Upside
Analysts have raised their price target on Citigroup from $116.00 to about $134.32, citing updated assumptions that include different revenue growth, profit margin, future P/E expectations, and an adjusted discount rate. What's in the News Citi signed a long term lease for premium office space in The Rock, a new 9,492 m² office development in Luxembourg’s Cloche d’Or district.Narrative Update • Mar 02
C: Capital Actions And Consumer Restructuring Will Shape Future Earnings Quality
Analysts have nudged their Citigroup price target slightly lower to about $114.04 from roughly $114.36, reflecting updated views on growth, profitability, discount rates and future P/E assumptions. What's in the News Citigroup Global Markets Inc.Narrative Update • Feb 16
C: Future Capital Restructuring And Buybacks Will Support A Higher Share Price
Analysts have lifted their fair value estimate for Citigroup from $102.80 to $150.00, citing updated assumptions for revenue growth of 10.00%, a profit margin of 22.61%, a discount rate of 8.05% and a forward P/E of 11.88x. What's in the News Citigroup Inc.Narrative Update • Feb 02
C: Future Buybacks And Consumer Restructuring Will Shape Earnings Quality
Analysts have nudged their price target on Citigroup higher to about $114 from roughly $112, citing updated assumptions around slightly stronger revenue growth, a modestly higher profit margin profile, a lower discount rate, and a somewhat higher future P/E multiple. What's in the News Citigroup repurchased 53,855,104 shares from October 1, 2025 to December 31, 2025, representing 3.01% of shares for US$5,600m.Narrative Update • Jan 19
C: Future Buybacks And Impairment Charges Will Shape Earnings Quality
Analysts have lifted their fair value estimate for Citigroup from about US$95.74 to around US$111.68, citing updated assumptions for revenue growth, profit margin, and a lower future P/E multiple as key drivers of the change. What's in the News Citi is considering additional stake sales in its Mexican retail banking unit Banamex, after closing the sale of a 25% stake to Mexican investor Fernando Chico Pardo in mid December, while continuing preparations for a public sale of its remaining shares (Key Developments).Narrative Update • Jan 05
C: Future Reorganization And Goodwill Charges Will Undermine Earnings Quality
Analysts have raised their price target on Citigroup to around $96 from about $76, citing updated assumptions that include a higher discount rate, a slightly lower revenue growth outlook, a higher profit margin, and a modestly lower expected future P/E multiple. What's in the News Citi created a new 6.625% Fixed Rate Reset Noncumulative Preferred Stock, Series HH, by filing a Certificate of Designations in Delaware.Narrative Update • Dec 14
C: Business Reorganization And Digital Initiatives Will Shape Balanced Future Returns
Analysts have modestly raised their price target on Citigroup, increasing their fair value estimate from 114.33 dollars to 116.00 dollars. This reflects slightly stronger expectations for revenue growth, profit margins, and future valuation multiples.Narrative Update • Nov 30
C: Corporate Restructuring And Buybacks Will Shape Returns Amid Margin Pressure
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.Narrative Update • Nov 16
C: Share Buyback Momentum And Digital Payments Expansion Will Drive Upside
Citigroup's analyst price target has been raised slightly from $113.38 to $114.10. This reflects analysts' optimism based on marginal improvements in profit outlook and revenue growth forecasts.Narrative Update • Nov 01
C: Digital Asset Expansion Will Drive New Revenue Streams Ahead
Analysts have slightly increased their price target for Citigroup from $112.93 to $113.38. This reflects modest improvements in revenue growth and profitability forecasts.Narrative Update • Oct 18
Digital Transformation And Cross-Border Trade Will Unlock Opportunity
Citigroup's analyst price target has risen from $108.50 to $112.93. Analysts cite improved profit margin projections and a more favorable future P/E ratio as key drivers of this upward revision.Narrative Update • Oct 04
Digital Transformation And Cross-Border Trade Will Unlock Opportunity
Citigroup's analyst price target has been raised from $103.17 to $108.50. Analysts cite slightly improved revenue growth expectations, stable profit margins, and a modestly lower discount rate as key factors supporting the upward revision.Narrative Update • Sep 17
Digital Transformation And Cross-Border Trade Will Unlock Opportunity
Citigroup's consensus price target saw a slight increase to $103.17, as analysts maintained stable future P/E and revenue growth forecasts. What's in the News Citigroup and Banco de Chile extended multiple key agreements, including the Cooperation, Global Connectivity, Trademark License, and Master Services Agreements, until at least 2028, with automatic and discretionary renewal provisions.Analysis Article • Aug 01
Citigroup (NYSE:C) Will Pay A Larger Dividend Than Last Year At $0.60
The board of Citigroup Inc. ( NYSE:C ) has announced that it will be increasing its dividend by 7.1% on the 22nd of...
New Narrative • Jul 21
Pole position to benefit from GENIUS Act
The passing of the GENIUS Act establishes a clear regulatory framework for stablecoins, allowing banks like Citi to issue their own stablecoins;Analysis Article • Jul 18
Citigroup (NYSE:C) Will Pay A Larger Dividend Than Last Year At $0.60
Citigroup Inc. ( NYSE:C ) will increase its dividend on the 22nd of August to $0.60, which is 7.1% higher than last...Seeking Alpha • Apr 20
Citigroup: CCAR Is A Potential Game Changer In June 2025
Summary Citigroup's shares are undervalued at ~0.7x tangible book value, making buybacks highly attractive, especially with a projected RoTCE of 10%-11% by 2026. Citi's ability to execute buybacks is constrained by its CET1 ratio, but potential reductions in the SCB could unlock significant capital for buybacks. Long-term capital ratio targets may decrease to 11.5%-12%, driven by asset shedding, regulatory changes, and strategic pivots to stable businesses. The June 2025 CCAR results are a key catalyst; positive outcomes could trigger significant buybacks and a rapid share price increase. Read the full article on Seeking AlphaNew Narrative • Apr 08
Transformation And Technology Will Empower Banking And Wealth
Technology investments and transformation initiatives aim to boost efficiency and revenue, enhancing operating leverage and profitability.Seeking Alpha • Apr 01
Citigroup: A Stable And Consistent Financial Stock For Every Portfolio
Summary Citigroup's (C) cost-cutting measures, technology modernization, and strategic exits have led to tangible improvements, positioning it as a "buy" despite macroeconomic challenges. C's strong CET1 and PCR metrics, along with a conservative loan-to-deposit ratio, indicate financial stability and resilience compared to competitors. Trading at a forward P/E of 9.3x, C is reasonably priced with potential for a rally to $80, supported by technical indicators. Risks include adjusted ROTCE expectations due to increased tech investments, but overall, C's strategic moves and financial health justify a "buy" stance. Read the full article on Seeking AlphaSeeking Alpha • Mar 12
The Recent Panic Provides An Opportunity To Buy Citigroup
Summary Citigroup stock is undervalued, trading at 75.5% of its tangible book value, presenting a strong buying opportunity amid recent market volatility. Despite subpar historical returns, Citigroup's strategic focus on high-margin businesses and a $20B stock buyback program should drive significant EPS and tangible book value growth. Simplification efforts, including selling non-core operations and investing in technology, position Citigroup to achieve a 10-11% ROTCE and improve profitability. With a robust CET1 Capital ratio and potential for 35% returns in 12-24 months, Citigroup is poised for revaluation towards its intrinsic value of $90 per share. Read the full article on Seeking AlphaSeeking Alpha • Feb 25
Citigroup: Reiterating Buy Despite Buffett Selling
Summary Citigroup has been the best-performing money center bank YTD, despite recent drops, driven by strong net income growth and an announced repurchase plan of $20 billion. Warren Buffett reduced his C stock position significantly, reflecting broader diversification away from banks in Berkshire's strategy, but the market had no reaction. Despite technological investment pressures, the Company's shares remain undervalued, presenting a significant opportunity if the restructuring plan succeeds. Read the full article on Seeking AlphaSeeking Alpha • Jan 18
Citigroup's TTS Remains Its Crown Jewel - Recovery In Progress
Summary C is inherently undervalued to its book value, presenting dual-pronged returns for opportunistic investors, driven by the ongoing restructuring and the crown jewel TTS. The bank's turnaround is evident with a robust top/ bottom-line growth across most segments, aside from the near-term challenges from the USPB segment. C has reported an improving efficiency ratio while reiterating a promising FY2026 RoTCE target, signaling potential outperformance over the next two years. The management's ambitious $20B in share repurchase program also underscore the management's confidence of delivering improved bottom-lines ahead. Even so, with C now retesting its all-time heights, we urge interested investors to watch the price movements for a little longer for an improved margin of safety. Read the full article on Seeking AlphaShareholder Returns
| C | US Banks | US Market | |
|---|---|---|---|
| 7D | 5.9% | 3.1% | 2.2% |
| 1Y | 80.9% | 25.8% | 24.8% |
Return vs Industry: C exceeded the US Banks industry which returned 25.8% over the past year.
Return vs Market: C exceeded the US Market which returned 24.8% over the past year.
Price Volatility
| C volatility | |
|---|---|
| C Average Weekly Movement | 4.1% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: C has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: C's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1812 | 224,000 | Jane Fraser | www.citigroup.com |
Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth.
Citigroup Inc. Fundamentals Summary
| C fundamental statistics | |
|---|---|
| Market cap | US$238.49b |
| Earnings (TTM) | US$14.70b |
| Revenue (TTM) | US$78.73b |
16.4x
P/E Ratio1.3x
P/B RatioIs C overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| C income statement (TTM) | |
|---|---|
| Revenue | US$78.73b |
| Cost of Revenue | US$0 |
| Gross Profit | US$78.73b |
| Other Expenses | US$64.04b |
| Earnings | US$14.70b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 14, 2026
| Earnings per share (EPS) | 8.62 |
| Gross Margin | 100.00% |
| Net Profit Margin | 18.67% |
| Debt/Equity Ratio | 382.1% |
How did C perform over the long term?
See historical performance and comparisonDividends
1.7%
Current Dividend Yield29%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/15 04:19 |
| End of Day Share Price | 2026/06/15 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Citigroup Inc. is covered by 46 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| Jason Goldberg | Barclays |
| Peter Richardson | Berenberg |