C Citigroup Inc. - Fundamental Analysis
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C Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Diversified
Current Price
Live
$118.04
Analyst Target
$132.54
+12.3%
Upside
52W High
$124.17
52W Low
$55.51
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 17, 2026
Market cap
$211.2B
P/E
16.89
ROE
6.8%
Profit margin
18.9%
Debt/Equity
N/A
Dividend yield
2.04%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
Citigroup's financial health is weak, as indicated by a low Piotroski F-Score of 2/9, signaling significant operational and profitability concerns. While the stock appears undervalued based on a forward P/E of 9.79 and a Graham Number of $131.54—above the current price of $118.04—this is offset by declining earnings growth (YoY: -10.80%) and poor technical momentum (10/100). The company maintains a solid dividend yield of 2.04% with a sustainable payout ratio, but insider sentiment is neutral and recent earnings surprises have been volatile. Relative to peers, Citigroup trades at a valuation discount despite weaker growth and return metrics, suggesting limited investor confidence in near-term turnaround.
Key Strengths
Attractive valuation with forward P/E of 9.79, below sector average of 24.45
Current price ($118.04) below Graham Number ($131.54), indicating potential undervaluation
Dividend yield of 2.04% supported by a healthy 33.19% payout ratio
Analyst consensus recommendation is 'buy' with a target price of $132.55, implying 12.3% upside
Strong historical price performance: +161.7% over 3 years and +54.5% over 1 year
Key Risks
Very weak Piotroski F-Score of 2/9, indicating deteriorating financial health
Earnings under pressure with YoY EPS decline of 8.1% and Q/Q EPS drop of 45.1%
Low return metrics: ROE of 6.83% and ROA of 0.58%, well below sector averages of 23.50% and N/A
Technical trend score of 10/100 signals strong bearish momentum in the short term
Missing Altman Z-Score prevents distress risk assessment, but low profitability and capital efficiency are concerning
AI Fair Value Estimate
Based on comprehensive analysis
$125.0
+5.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
57
Moderate
82
40
65
30
70
AI Verdict
Neutral with value appeal but structural weaknesses
Key drivers: Low Piotroski score dragging down health, Attractive forward valuation supporting value score, Declining earnings pressure future outlook, Solid dividend and analyst target provide floor, Poor technical trend indicates near-term weakness
Confidence
75%
Value
82/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 9.79 is significantly below sector average
- Price below Graham Number by ~10%
- Price/Book of 1.07 suggests near-book valuation
Watchpoints
- Intrinsic value (Growth-based) of $48.93 is far below current price, questioning growth assumptions
Future
40/100
Ref Growth rates
Positives
- Analyst target implies double-digit upside
Watchpoints
- Earnings growth YoY: -10.80%
- Q/Q EPS growth: -45.1%
- PEG Ratio not available due to negative growth
Past
65/100
Ref Historical trends
Positives
- Strong 3Y and 1Y price returns: +161.7% and +54.5%
- History of beating earnings estimates in 18 of last 25 quarters
Watchpoints
- Recent earnings misses: 2 of last 4 quarters missed estimates
- Sharp deceleration in earnings progression since 2022
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Profit margin of 18.89% is respectable for a bank
Watchpoints
- Piotroski F-Score of 2/9 indicates weak financial health
- ROE (6.83%) and ROA (0.58%) are well below peer averages
- No Altman Z-Score available for distress assessment
Dividend
70/100
Ref Yield, Payout
Positives
- Dividend yield of 2.04% is above market average
- Payout ratio of 33.19% is sustainable
- Dividend strength score of 50/100 indicates moderate reliability
Watchpoints
- No 5-year average yield data to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$118.04
Analyst Target
$132.54
Upside/Downside
+12.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for C and closest competitors.
Updated 2026-01-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
C
Citigroup Inc.
Primary
|
+121.6% | +161.7% | +54.5% | +27.9% | +5.9% | -2.7% |
|
BX
Blackstone Inc.
Peer
|
+201.7% | +108.5% | -4.6% | -1.6% | +6.7% | +3.7% |
|
SCHW
The Charles Schwab Corporation
Peer
|
+87.1% | +29.9% | +39.2% | +9.0% | +7.5% | +3.6% |
|
BLK
BlackRock, Inc.
Peer
|
+76.2% | +61.5% | +13.3% | +1.6% | +3.8% | -2.9% |
|
AXP
American Express Company
Peer
|
+217.2% | +141.4% | +12.2% | +16.6% | -5.4% | -0.8% |
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
16.89
Forward P/E
9.79
PEG Ratio
N/A
P/B Ratio
1.07
P/S Ratio
2.79
EV/Revenue
-3.95
EV/EBITDA
N/A
Market Cap
$211.2B
Profitability
Profit margins and return metrics
Profit Margin
18.89%
Operating Margin
21.56%
Gross Margin
N/A
ROE
6.83%
ROA
0.58%
Growth
Revenue and earnings growth rates
Revenue Growth
+3.7%
Earnings Growth
-10.8%
Q/Q Revenue Growth
N/A
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
$711.25
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 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
16.89
This Stock
vs
30.37
Sector Avg
-44.4%
(Discount)
Return on Equity (ROE)
6.83%
This Stock
vs
-7.62%
Sector Avg
-189.6%
(Below Avg)
Profit Margin
18.89%
This Stock
vs
82.75%
Sector Avg
-77.2%
(Weaker)
Revenue Growth
3.7%
This Stock
vs
28.35%
Sector Avg
-86.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
C
Citigroup Inc.
|
NEUTRAL | $211.2B | 16.89 | 6.8% | 18.9% | $118.04 | |
|
BX
Blackstone Inc.
|
NEUTRAL | $200.62B | 47.12 | 26.5% | 21.2% | $163.5 | |
|
SCHW
The Charles Schwab Corporation
|
NEUTRAL | $188.46B | 24.31 | 17.0% | 35.9% | $103.82 | |
|
BLK
BlackRock, Inc.
|
NEUTRAL | $175.31B | 32.26 | 10.7% | 22.9% | $1129.91 | |
|
AXP
American Express Company
|
NEUTRAL | $251.69B | 24.69 | 33.9% | 16.1% | $361.69 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-02 | DAILEY GRACE E. | Director | Stock Award | 1,273 | $1,297 |
| 2026-01-02 | DUGAN JOHN CUNNINGHAM | Director | Stock Award | 1,788 | $62,500 |
| 2026-01-02 | COSTELLO, ELLEN MARIE | Director | Stock Award | 1,262 | - |
| 2026-01-02 | COLE TITILOPE | Director | Stock Award | 1,272 | $1,157 |
| 2026-01-02 | VON KOSKULL CASPER WILHELM | Director | Stock Award | 1,289 | $3,148 |
| 2026-01-02 | MOULDS JONATHAN PAUL | Director | Stock Award | 1,499 | $28,170 |
| 2026-01-02 | HENNES DUNCAN P | Director | Stock Award | 1,458 | $23,325 |
| 2026-01-02 | REINER GARY M | Director | Stock Award | 1,640 | $44,907 |
| 2026-01-02 | HENRY PETER B | Director | Stock Award | 1,262 | - |
| 2026-01-02 | TAYLOR DIANA L | Director | Stock Award | 1,563 | $35,767 |
| 2026-01-02 | JAMES RENEE JO | Director | Stock Award | 1,418 | $18,557 |
| 2026-01-02 | TURLEY JAMES S | Director | Stock Award | 1,458 | $23,325 |
| 2025-10-22 | FRASER JANE NIND | Chief Executive Officer | Stock Award | 259,605 | - |
| 2025-10-01 | DAILEY GRACE E. | Director | Stock Award | 12 | $1,289 |
| 2025-10-01 | DUGAN JOHN CUNNINGHAM | Director | Stock Award | 610 | $62,500 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
22 analysts
Morgan Stanley
2026-01-15
Overweight
Overweight
Oppenheimer
2026-01-15
Outperform
Outperform
RBC Capital
2026-01-15
Outperform
Outperform
Goldman Sachs
2026-01-06
Buy
Buy
Truist Securities
2026-01-06
Buy
Buy
Wells Fargo
2026-01-05
Overweight
Overweight
Barclays
2026-01-05
Overweight
Overweight
Piper Sandler
2025-12-30
Overweight
Overweight
Truist Securities
2025-12-18
Buy
Buy
Keefe, Bruyette & Woods
2025-12-17
Outperform
Outperform
Past News Coverage
Recent headlines mentioning C from our newsroom.
Newest → oldest
No matching news yet.