Stock · C · Financial Services
United States · Large Cap · listed since 1977 · Revenue 12 mo. $133.4B
Price as of 11/06/2026
Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions.
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.
Original text from the data provider
Summary
34.0 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €168.7B, market value €176.2B (P/B 1.0). At a 9% discount rate, the premium over book value only pays off with a lasting 9.4% return on equity.
Required return on equity per year
9.4%
no perpetual growth
Price to book 1.04×, above its usual range.
Middle half of 20 quarters: 0.45× to 0.79×, median 0.59×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
2 more unchanged: Revenue, 12 mo., Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 6.74% | 12.46% | Rank 12 |
| Return on capital (Greenblatt) | 59.47% | 59.04% | Rank 50 |
| EBIT margin | 11.78% | 23.06% | Rank 18 |
| FCF margin | −44.06% | 19.82% | Rank 5 |
| Gross margin | 44.60% | 65.53% | Rank 20 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | −1.42% | 7.39% | Rank 21 |
| Earnings growth, 3 years per year | 0.54% | 15.20% | Rank 15 |
| Earnings growth, 5 years per year | 7.85% | 15.17% | Rank 25 |
| Sustainable growth (ROE × retained earnings) | 3.87% | 1.25% | Rank 85 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 6.45% | 6.47% | Rank 49 |
| FCF yield | −37.77% | 7.16% | Rank 2 |
| EV/saleslower is better | 1.41 | 2.82 | Rank 68 |
| EV/EBITlower is better | 11.94 | 14.24 | Rank 61 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 8.44% | 7.80% | Rank 52 |
| Share price, 6 months | −4.69% | 8.71% | Rank 15 |
| Share price, 3 months | −6.68% | 0.45% | Rank 17 |
| Distance from 52-week high | −18.27% | −10.68% | Rank 26 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 7.59% | 1.23% | Rank 12 |
| Change in share countlower is better | −2.04% | −0.60% | Rank 69 |
| Dividend streak in years | 14 | 5 | Rank 80 |
| Price reaction to results, market-adjusted | −5.71% | 0.00% | Rank 5 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 7.99% | 9.21% | Rank 46 |
| Net debt/EBITDAlower is better | 1.67 | 0.12 | Rank 34 |
| Debt to equitylower is better | 3.37 | 0.90 | Rank 16 |
| Volatility, 1 yearlower is better | 29.29% | 25.95% | Rank 37 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 83.3 | 14.9 | 6.6% | 2.89B |
| 2017 | 89.0 | −6.8 | −3.4% | 2.70B |
| 2018 | 97.1 | 18.0 | 9.2% | 2.49B |
| 2019 | 103.4 | 19.4 | 10.0% | 2.27B |
| 2020 | 88.8 | 11.0 | 5.5% | 2.10B |
| 2021 | 79.9 | 22.0 | 10.9% | 2.05B |
| 2022 | 100.2 | 14.8 | 7.4% | 1.96B |
| 2023 | 155.4 | 9.2 | 4.5% | 1.96B |
| 2024 | 170.7 | 12.7 | 6.1% | 1.90B |
| 2025 | 168.3 | 14.3 | 6.7% | 1.86B |
1 of 7 StockScorer Score rules met · How the score is built
Citigroup Inc. mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Citigroup Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
1 of 7 rules met
2 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Citigroup Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 15.5 | 15.2 |
| P/B ratio | 1.0 | 1.8 |
| Return on equity (ROE) | 6.7% | 12.5% |
| Equity ratio | 8.0% | 9.2% |
| Debt-to-equity (D/E) | 3.37 | 0.90 |
| Dividend yield | 2.1% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| C | Citigroup Inc.this page | |
| WFC | Wells Fargo & Company | Low2.7 |
| BNY | The Bank of New York Mellon Corporation | Low4.5 |
| BAC | Bank of America Corp | Low1.8 |
| TD.TO | Toronto Dominion Bank | locked |
| CBA.AX | Commonwealth Bank of Australia | locked |
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