Citigroup Inc.
120.62USD
-1.8900 (-1.54%)
Not enough data yet
A reading needs 5 members, each at least 14 days old with a track record on this site (simulated portfolios and calls), who shared a take in the last 30 days; 2 of them need a strong record.
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. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
Price
Reading the stored fundamentals…
Dated 52-week rows are the highest and lowest CLOSE and the day each happened, which sits a little inside the intraday range a vendor quotes. Quotes are refreshed once a night — during a session the price above is the previous close.
Is the price low against peers, cash flow and analyst targets?
2 of 6 checks could not be assessed (these checks do not apply to this sector).
Do analysts expect earnings and revenue to keep growing?
1 of 6 checks could not be assessed (there is no analyst coverage stored).
Has the business grown and earned good returns on its filed numbers?
2 of 6 checks could not be assessed (these checks do not apply to this sector).
Can the balance sheet carry its debt?
These checks do not apply to Financial Services: its balance sheet is the business, so the figures are not comparable.
Is the dividend decent, covered and steady?
1 of 6 checks could not be assessed (these checks do not apply to this sector).
An axis marked n/a has no vertex: it is left out of the shape rather than drawn as zero.
Each axis asks six plain questions of the stored data. A check that passes counts one. A check the stored data cannot answer is left out of the count, never counted as a fail, and an axis needs four answerable checks to show a result. Axes are never added together: there is no overall score. The thresholds are conventional rules of thumb and are blunt across sectors, so each check is listed with its rule and the figure it used.
P/E below peers
Trailing P/E is positive and below the median of its peers: the companies in its industry if there are at least 5, else its sector if at least 10, else the whole market if at least 30, always in the same currency.
P/E 11.8 against a peer median of 13.4 (6 USD companies in Banks - Diversified).
Passed
PEG ratio
The PEG ratio is positive and at most 1.5.
PEG 0.50.
Passed
EV/EBITDA below peers
EV/EBITDA is positive and below the peer median, with peers chosen as for P/E. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Price/book below peers
Price to book is positive and below the peer median, with peers chosen as for P/E.
Price/book 1.04 against a peer median of 2.49 (6 USD companies in Banks - Diversified).
Passed
Statements: SEC filings, newest period 12/2025.
Peers: P/E against 6 USD companies in Banks - Diversified; EV/EBITDA against 55 USD companies in the Financial Services sector; price/book against 6 USD companies in Banks - Diversified.
Rules of thumb applied to stored filings and quote data. Statements are as of the newest period shown above; multiples, analyst targets, estimates and yield come from a best-effort refresh and can lag by days. A count of plain checks, not a rating, a valuation or investment advice. Terms
Free cash flow yield
Free cash flow is at least 4.5% of market cap, the risk-free rate used across this site. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Analyst target above price
The mean analyst target is at least 15% above the last close, from at least 3 analysts. A published consensus, not a fair value.
Mean analyst target above the last close by 24.9% (21 analysts).
Passed
Earnings growth, next year
Consensus EPS for next fiscal year is at least 10% above this year's consensus, from at least 3 analysts.
Next year's EPS: consensus up 14.5% (12 analysts).
Passed
Earnings growth, this year
Consensus EPS for this fiscal year is at least 10% above last year's figure on the same street basis, from at least 3 analysts.
This year's EPS: consensus up 51.4% (9 analysts).
Passed
Revenue growth, next year
Consensus revenue for next fiscal year is at least 5% above this year's consensus, from at least 3 analysts.
Next year's revenue: consensus up 4.3% (16 analysts).
Did not pass
Revenue growth, this year
Consensus revenue for this fiscal year is at least 5% above last year's reported revenue, from at least 3 analysts.
This year's revenue: consensus up 12.6% (12 analysts).
Passed
Estimates rising
More analysts raised than cut this year's EPS estimate over the last 90 days, with at least 2 revisions in all.
No analyst estimates are stored for this security.
Not assessed
Revenue growth, latest quarter
Revenue in the latest quarter is at least 8% above the same quarter a year earlier.
Latest-quarter revenue up 2.1% on a year earlier.
Did not pass
Earnings growth, multi-year
Net income grew at least 5% a year over up to 5 fiscal years (at least 3 annual figures, positive at both ends).
Net income grew 5.3% a year, FY2020 to FY2025.
Passed
Earnings growth, last year
Net income over the latest twelve months is above the twelve months before it, and positive.
Net income up 12.8% (FY2025 against FY2024).
Passed
Revenue growth, multi-year
Revenue grew at least 3% a year over up to 5 fiscal years (at least 3 annual figures).
Revenue grew 2.5% a year, FY2020 to FY2025.
Did not pass
Return on equity
Return on equity is at least 15%: twelve-month net income over average equity. Not meaningful when equity is negative.
Return on equity 6.8%: twelve-month net income over the average equity.
Did not pass
Return on assets
Return on assets is at least 5%: twelve-month net income over average assets. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Cash earnings
Operating cash flow over the latest twelve months is positive and at least net income. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Current ratio
Current assets are at least 1.0x current liabilities. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Short-term assets cover long-term liabilities
Current assets are at least the liabilities that fall due after a year (total liabilities less current liabilities). Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Debt to equity
Total debt is at most 100% of equity; no debt passes, negative equity with debt does not. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Net debt to EBITDA
Net debt (total debt less cash) is at most 3.0x EBITDA; a net cash position passes. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Interest cover
Operating income covers interest expense at least 3.0x; no debt passes. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Cash flow to debt
Operating cash flow is at least 20% of total debt; no debt passes. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Dividend yield
The dividend yield is at least 2%.
Dividend yield 2.22%.
Passed
Payout ratio
Dividends paid are at most 75% of net income. Not applied to real estate companies, whose net income is after depreciation.
Dividends paid were 38% of net income.
Passed
Free cash flow cover
Free cash flow covers the dividends paid at least 1.0x. Not applied to financial companies.
Not applied to Financial Services: the figures behind it are not comparable.
Not assessed
Paid every year
A dividend was paid in every one of the last 4 to 8 fiscal years stored (consecutive years, all present). A year missing from the filings data is not read as no dividend, so a gap makes this not assessed.
A dividend was paid in all 8 fiscal years, FY2018 to FY2025.
Passed
No cuts
Total dividends paid never fell by more than 20% from one fiscal year to the next in that window.
No fall of more than 20% between fiscal years, FY2018 to FY2025.
Passed
Growing dividend
Total dividends paid grew at least 3% a year across that window. The total, not per share: no per-share dividend history is stored.
Total dividends grew 1.0% a year, FY2018 to FY2025.
Did not pass