C Stock Overview
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.
No risks detected for C from our risk checks.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$43.84|
|52 Week High||US$73.73|
|52 Week Low||US$41.06|
|1 Month Change||-10.24%|
|3 Month Change||-6.58%|
|1 Year Change||-39.46%|
|3 Year Change||-34.98%|
|5 Year Change||-41.50%|
|Change since IPO||79.09%|
Recent News & Updates
Citi plans to scale back lending to asset managers amid new capital rules - report
Citigroup (NYSE:C) is said to plan to cut back the amount it lends to asset managers, including private equity firms, amid new capital rules. Citi (C) plans to cut its lending for what is known as "subscription-line financing" to about $20 billion in coming months from about $65 billion, according to a Financial Times report, citing people familiar. The bank is said to have alerted some of its biggest private equity clients about the changes. The news comes after an Apollo (APO) executive earlier this month said that he doesn't expect banks to to start financing debt for leveraged buyouts anytime soon.
|C||US Banks||US Market|
Return vs Industry: C underperformed the US Banks industry which returned -21.8% over the past year.
Return vs Market: C underperformed the US Market which returned -18.2% over the past year.
|C Average Weekly Movement||5.4%|
|Banks Industry Average Movement||3.5%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: C is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: C's weekly volatility (5%) has been stable over the past year.
About the Company
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.
Citigroup Fundamentals Summary
|C fundamental statistics|
Is C overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|C income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
Oct 14, 2022
|Earnings per share (EPS)||8.15|
|Net Profit Margin||21.87%|
How did C perform over the long term?See historical performance and comparison
4.7%Current Dividend Yield
Is C undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for C?
Other financial metrics that can be useful for relative valuation.
|What is C's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does C's PE Ratio compare to its peers?
|C PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
USB U.S. Bancorp
WFC Wells Fargo
BAC Bank of America
JPM JPMorgan Chase
Price-To-Earnings vs Peers: C is good value based on its Price-To-Earnings Ratio (5.4x) compared to the peer average (9.5x).
Price to Earnings Ratio vs Industry
How does C's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: C is good value based on its Price-To-Earnings Ratio (5.4x) compared to the US Banks industry average (9.7x)
Price to Earnings Ratio vs Fair Ratio
What is C's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||5.4x|
|Fair PE Ratio||14.1x|
Price-To-Earnings vs Fair Ratio: C is good value based on its Price-To-Earnings Ratio (5.4x) compared to the estimated Fair Price-To-Earnings Ratio (14.1x).
Share Price vs Fair Value
What is the Fair Price of C when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: C ($43.84) is trading below our estimate of fair value ($67.64)
Significantly Below Fair Value: C is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.
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How is Citigroup forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: C's forecast earnings growth (1.5% per year) is below the savings rate (1.9%).
Earnings vs Market: C's earnings (1.5% per year) are forecast to grow slower than the US market (14.8% per year).
High Growth Earnings: C's earnings are forecast to grow, but not significantly.
Revenue vs Market: C's revenue (1.2% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: C's revenue (1.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: C's Return on Equity is forecast to be low in 3 years time (7.5%).
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How has Citigroup performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: C has high quality earnings.
Growing Profit Margin: C's current net profit margins (21.9%) are lower than last year (27.4%).
Past Earnings Growth Analysis
Earnings Trend: C's earnings have grown significantly by 24.9% per year over the past 5 years.
Accelerating Growth: C's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: C had negative earnings growth (-22.4%) over the past year, making it difficult to compare to the Banks industry average (8.4%).
Return on Equity
High ROE: C's Return on Equity (8.5%) is considered low.
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How is Citigroup's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: C's Assets to Equity ratio (11.9x) is moderate.
Allowance for Bad Loans: C has a sufficient allowance for bad loans (526%).
Low Risk Liabilities: 61% of C's liabilities are made up of primarily low risk sources of funding.
Loan Level: C has an appropriate level of Loans to Assets ratio (27%).
Low Risk Deposits: C's Loans to Deposits ratio (49%) is appropriate.
Level of Bad Loans: C has an appropriate level of bad loans (0.5%).
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What is Citigroup current dividend yield, its reliability and sustainability?
Dividend Score 6/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|Citigroup Dividend Yield vs Market|
|Market Bottom 25% (US)||1.6%|
|Market Top 25% (US)||4.5%|
|Industry Average (Banks)||3.2%|
|Analyst forecast in 3 Years (Citigroup)||4.9%|
Notable Dividend: C's dividend (4.65%) is higher than the bottom 25% of dividend payers in the US market (1.6%).
High Dividend: C's dividend (4.65%) is in the top 25% of dividend payers in the US market (4.53%)
Stability and Growth of Payments
Stable Dividend: C's dividends per share have been stable in the past 10 years.
Growing Dividend: C's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (25.6%), C's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: C's dividends in 3 years are forecast to be well covered by earnings (30.6% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jane Fraser (54 yo)
Ms. Jane Nind Fraser, Ph D., is the Chief Executive Officer of Citigroup Inc. since March 2021. During her 18-year career at Citigroup Inc., she has held leadership roles across Citigroup Inc.'s consume...
CEO Compensation Analysis
|Jane Fraser's Compensation vs Citigroup Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||n/a||n/a|
|Dec 31 2021||US$21m||US$1m|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||n/a||n/a|
|Dec 31 2020||US$17m||US$500k|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||n/a||n/a|
|Dec 31 2019||US$17m||US$500k|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||n/a||n/a|
|Mar 31 2019||n/a||n/a|
|Dec 31 2018||US$9m||US$500k|
|Sep 30 2018||n/a||n/a|
|Jun 30 2018||n/a||n/a|
|Mar 31 2018||n/a||n/a|
|Dec 31 2017||US$9m||US$500k|
|Sep 30 2017||n/a||n/a|
|Jun 30 2017||n/a||n/a|
|Mar 31 2017||n/a||n/a|
|Dec 31 2016||US$8m||US$500k|
Compensation vs Market: Jane's total compensation ($USD20.54M) is above average for companies of similar size in the US market ($USD13.00M).
Compensation vs Earnings: Jane's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: C's management team is considered experienced (3 years average tenure).
Experienced Board: C's board of directors are considered experienced (9.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
|11 Feb 22||SellUS$1,014,614||Sara Wechter||Individual||14,800||US$68.56|
|11 Feb 22||SellUS$650,405||Michael Whitaker||Individual||9,474||US$68.66|
|11 Feb 22||SellUS$549,468||Zdenek Turek||Individual||8,000||US$68.68|
|11 Feb 22||SellUS$343,300||Mary McNiff||Individual||5,000||US$68.66|
|19 Oct 21||SellUS$2,014,268||Ernesto Torres Cantú||Individual||27,783||US$72.50|
|Owner Type||Number of Shares||Ownership Percentage|
|State or Government||889,190||0.05%|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Citigroup Inc.'s employee growth, exchange listings and data sources
- Name: Citigroup Inc.
- Ticker: C
- Exchange: NYSE
- Founded: 1812
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: US$84.905b
- Shares outstanding: 1.94b
- Website: https://www.citigroup.com
Number of Employees
- Citigroup Inc.
- 388 Greenwich Street
- New York
- New York
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|C||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Oct 1986|
|C||BVL (Bolsa de Valores de Lima)||Yes||Common Stock||PE||USD||Oct 1986|
|TRVC||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Oct 1986|
|C *||BMV (Bolsa Mexicana de Valores)||Yes||Common Stock||MX||MXN||Oct 1986|
|C||SWX (SIX Swiss Exchange)||Yes||Common Stock||CH||CHF||Oct 1986|
|0R01||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Oct 1986|
|TRVC||XTRA (XETRA Trading Platform)||Yes||Common Stock||DE||EUR||Oct 1986|
|C||BVC (Bolsa de Valores de Colombia)||Yes||Common Stock||CO||COP||Oct 1986|
|C||SNSE (Santiago Stock Exchange)||Yes||Common Stock||CL||USD||Oct 1986|
|CIT-U||ETLX (Eurotlx)||Yes||Common Stock||IT||EUR||Oct 1986|
|CITI||WBAG (Wiener Boerse AG)||Yes||Common Stock||AT||EUR||Oct 1986|
|CCL||SNSE (Santiago Stock Exchange)||Yes||Common Stock||CL||CLP||Oct 1986|
|C_KZ||KAS (Kazakhstan Stock Exchange)||Yes||Common Stock||KZ||USD||Oct 1986|
|C||BASE (Buenos Aires Stock Exchange)||CEDEAR EA RE COM(USD)||AR||ARS||Nov 2002|
|C.D||BASE (Buenos Aires Stock Exchange)||CEDEAR EA RE COM(USD)||AR||USD||Nov 2002|
|CTGP34||BOVESPA (Bolsa de Valores de Sao Paulo)||BDR EACH 6 REP 1 COM||BR||BRL||Jul 2011|
|C.PRJ||NYSE (New York Stock Exchange)||DEP SHS 1/1000 J||US||USD||Sep 2013|
|C.PRK||NYSE (New York Stock Exchange)||DEP SHS RP PFD K||US||USD||Oct 2013|
|CFU8||BST (Boerse-Stuttgart)||6.3%-FRN PERP USD1000 'M'||DE||USD||Apr 2014|
|A2R7P9||DB (Deutsche Boerse AG)||PERP JR SB GLBL||DE||USD||Sep 2019|
|A28SHS||DB (Deutsche Boerse AG)||TIER I PERP GLBL||DE||USD||Jan 2020|
|A3KL1L||DB (Deutsche Boerse AG)||3.875%-FRN PERP USD1000 'X'||DE||USD||Feb 2021|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/05 00:00|
|End of Day Share Price||2022/10/05 00:00|
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 here.