C
NEUTRAL
$126.28
Live
Citigroup Inc. · NYSE
Target $132.18
(+4.7%)
$61.3
52W Range
$126.31
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 14, 2026
Market cap
$220.9B
P/E
18.04
ROE
6.8%
Profit margin
18.9%
Debt/Equity
N/A
Dividend yield
1.9%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
Citigroup presents a stark contradiction between market momentum and fundamental health. While the current price of $126.28 is well-supported by the Graham Number ($131.63), the Piotroski F-Score of 2/9 indicates severe fundamental weakness and deteriorating financial health. Despite a massive 1-year price surge of 104.9%, the company is facing negative earnings growth (-10.8% YoY) and bearish insider sentiment, including sales by the CFO. The stock is currently trading at a significant premium to its growth-based intrinsic value ($49.0), suggesting the market is pricing in a recovery that is not yet reflected in the data.
Key Strengths
Current price is trading near the Graham Number ($131.63) defensive fair value
Attractive PEG ratio of 0.91 suggesting undervaluation relative to growth potential
Strong 1-year price performance (+104.9%) showing significant market momentum
Conservative dividend payout ratio of 33.19% ensuring dividend sustainability
Broad analyst consensus 'Buy' with a target price of $132.18
Key Risks
Critically low Piotroski F-Score (2/9) signaling poor financial health
Negative earnings trajectory with YoY growth at -10.8% and Q/Q at -13.5%
Bearish insider activity with $15.82M in sales and zero buy transactions
Low Return on Equity (ROE) of 6.83% compared to historical banking benchmarks
Strongly bearish technical trend (10/100) despite recent price highs
AI Fair Value Estimate
Based on comprehensive analysis
$90.32
-28.5% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
75
30
85
20
60
AI Verdict
Fundamental Divergence
Key drivers: Piotroski F-Score weakness, Graham Number support, Negative earnings growth, Strong 1Y price action
Confidence
90%
Value
75/100
Ref P/E 18.04, PEG 0.91, Graham Number $131.63
Positives
- Price is below Graham Number
- PEG ratio < 1.0
Watchpoints
- Price is 157% above growth-based intrinsic value
Future
30/100
Ref Growth rates: Earnings -10.8% YoY
Positives
- Slight revenue growth (4.4%)
Watchpoints
- Negative YoY earnings growth
- Negative Q/Q earnings growth
Past
85/100
Ref Historical trends: 1Y Change +104.9%
Positives
- Exceptional 1Y and 3Y price returns
- Consistent history of earnings beats over 25 quarters
Watchpoints
- Recent Q/Q EPS growth collapse (-45.1%)
Health
20/100
Ref Piotroski F-Score 2/9
Positives
- Large market capitalization providing scale
Watchpoints
- Piotroski F-Score of 2/9 is in the 'Weak' category
Dividend
60/100
Ref Yield 1.90%, Payout 33.19%
Positives
- Low payout ratio (33.19%)
Watchpoints
- Low dividend yield (1.9%) for the banking sector
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$126.28
Analyst Target
$132.18
Upside/Downside
+4.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for C and closest competitors.
Updated 2026-04-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
C
Citigroup Inc.
Primary
|
+106.4% | +182.9% | +104.9% | +32.9% | +19.5% | +7.6% |
|
AXP
American Express Company
Peer
|
+145.1% | +114.8% | +33.3% | -4.9% | +10.6% | +1.2% |
|
MS
Morgan Stanley
Peer
|
+146.9% | +106.9% | +44.8% | +4.7% | -1.5% | -0.8% |
|
SCHW
The Charles Schwab Corporation
Peer
|
+65.3% | +98.5% | +31.5% | +7.0% | +7.1% | +3.7% |
|
WFC
Wells Fargo & Company
Peer
|
+131.9% | +136.1% | +40.3% | +10.9% | +16.9% | +5.8% |
C
Citigroup Inc.
Primary
5Y
+106.4%
3Y
+182.9%
1Y
+104.9%
6M
+32.9%
1M
+19.5%
1W
+7.6%
AXP
American Express Company
Peer
5Y
+145.1%
3Y
+114.8%
1Y
+33.3%
6M
-4.9%
1M
+10.6%
1W
+1.2%
MS
Morgan Stanley
Peer
5Y
+146.9%
3Y
+106.9%
1Y
+44.8%
6M
+4.7%
1M
-1.5%
1W
-0.8%
SCH
The Charles Schwab Corporation
Peer
5Y
+65.3%
3Y
+98.5%
1Y
+31.5%
6M
+7.0%
1M
+7.1%
1W
+3.7%
WFC
Wells Fargo & Company
Peer
5Y
+131.9%
3Y
+136.1%
1Y
+40.3%
6M
+10.9%
1M
+16.9%
1W
+5.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
18.04
Forward P/E
10.3
PEG Ratio
0.91
P/B Ratio
1.15
P/S Ratio
2.92
EV/Revenue
0.4
EV/EBITDA
N/A
Market Cap
$220.9B
Profitability
Profit margins and return metrics
Profit Margin
18.89%
Operating Margin
25.66%
Gross Margin
N/A
ROE
6.83%
ROA
0.58%
Growth
Revenue and earnings growth rates
Revenue Growth
+4.4%
Earnings Growth
-10.8%
Q/Q Revenue Growth
+0.43%
Q/Q Earnings Growth
-13.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$565.75
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$19.7B
Net Margin
12.6%
Total Assets
$2657.2B
Liabilities
$2443.4B
Equity
$212.3B
Debt/Equity
11.51x
Operating CF
$26.6B
CapEx
$-1.6B
Free Cash Flow
$24.9B
FCF Yield
94%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-14
$N/A
2026-01-14
$1.24
-23.4% surprise
2025-10-14
$2.26
+17.4% surprise
2025-07-15
$2.04
+28.3% surprise
Financial Services Sector Comparison
Comparing C against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
18.04
This Stock
vs
36.01
Sector Avg
-49.9%
(Discount)
Return on Equity (ROE)
6.83%
This Stock
vs
-0.73%
Sector Avg
-1032.2%
(Below Avg)
Profit Margin
18.89%
This Stock
vs
91.62%
Sector Avg
-79.4%
(Weaker)
Revenue Growth
4.4%
This Stock
vs
35.27%
Sector Avg
-87.5%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
C
Citigroup Inc.
|
NEUTRAL | $220.9B | 18.04 | 6.8% | 18.9% | $126.28 | |
|
AXP
American Express Company
|
NEUTRAL | $228.57B | 21.64 | 34.0% | 16.2% | $332.9 | Compare |
|
MS
Morgan Stanley
|
NEUTRAL | $261.31B | 16.12 | 15.6% | 24.0% | $164.57 | Compare |
|
SCHW
The Charles Schwab Corporation
|
NEUTRAL | $175.69B | 21.56 | 18.1% | 37.0% | $100.27 | Compare |
|
WFC
Wells Fargo & Company
|
NEUTRAL | $267.34B | 13.84 | 11.7% | 26.7% | $86.64 | Compare |
C
Citigroup Inc.
NEUTRAL
Mkt Cap
$220.9B
P/E
18.0
ROE
6.8%
Price
$126.28
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | REINER GARY M | Director | Stock Award | 405 | $44,951 |
| 2026-04-01 | COLE TITILOPE | Director | Stock Award | 17 | $1,921 |
| 2026-04-01 | VON KOSKULL CASPER WILHELM | Director | Stock Award | 35 | $3,921 |
| 2026-04-01 | MOULDS JONATHAN PAUL | Director | Stock Award | 260 | $28,876 |
| 2026-04-01 | TURLEY JAMES S | Director | Stock Award | 218 | $24,200 |
| 2026-04-01 | TAYLOR DIANA L | Director | Stock Award | 330 | $36,705 |
| 2026-04-01 | JAMES RENEE JO | Director | Stock Award | 174 | $19,409 |
| 2026-04-01 | DUGAN JOHN CUNNINGHAM | Director | Stock Award | 563 | $62,500 |
| 2026-04-01 | DAILEY GRACE E. | Director | Stock Award | 6 | $758 |
| 2026-04-01 | HENNES DUNCAN P | Director | Stock Award | 218 | $24,200 |
| 2026-02-20 | MASON MARK A.L. | Chief Financial Officer | Sale | 3,627 | $416,045 |
| 2026-02-13 | CANTU ERNESTO TORRES | Officer | Sale | 67,318 | $7,479,679 |
| 2026-02-12 | MCINTOSH BRENT | Officer | Gift | 4,798 | - |
| 2026-02-12 | LUCHETTI GONZALO | Officer | Sale | 19,974 | $2,297,523 |
| 2026-02-12 | HABNER PAMELA | Officer | Sale | 29,754 | $3,488,945 |
REINER GARY M
Director
2026-04-01
405 shares
·
$44,951
COLE TITILOPE
Director
2026-04-01
17 shares
·
$1,921
VON KOSKULL CASPER WILHELM
Director
2026-04-01
35 shares
·
$3,921
MOULDS JONATHAN PAUL
Director
2026-04-01
260 shares
·
$28,876
TURLEY JAMES S
Director
2026-04-01
218 shares
·
$24,200
TAYLOR DIANA L
Director
2026-04-01
330 shares
·
$36,705
JAMES RENEE JO
Director
2026-04-01
174 shares
·
$19,409
DUGAN JOHN CUNNINGHAM
Director
2026-04-01
563 shares
·
$62,500
DAILEY GRACE E.
Director
2026-04-01
6 shares
·
$758
HENNES DUNCAN P
Director
2026-04-01
218 shares
·
$24,200
MASON MARK A.L.
Chief Financial Officer
2026-02-20
3,627 shares
·
$416,045
CANTU ERNESTO TORRES
Officer
2026-02-13
67,318 shares
·
$7,479,679
MCINTOSH BRENT
Officer
2026-02-12
4,798 shares
LUCHETTI GONZALO
Officer
2026-02-12
19,974 shares
·
$2,297,523
HABNER PAMELA
Officer
2026-02-12
29,754 shares
·
$3,488,945
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
22 analysts
JP Morgan
2026-04-07
Overweight
Overweight
Goldman Sachs
2026-04-06
Buy
Buy
Evercore ISI Group
2026-04-06
In-Line
In-Line
Oppenheimer
2026-03-27
Outperform
Outperform
Jefferies
2026-03-26
Buy
JP Morgan
2026-02-09
Overweight
Overweight
Freedom Broker
2026-01-29
Buy
Buy
Morgan Stanley
2026-01-15
Overweight
Overweight
Oppenheimer
2026-01-15
Outperform
Outperform
RBC Capital
2026-01-15
Outperform
Outperform
Past News Coverage
Recent headlines mentioning C from our newsroom.
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