Citigroup Inc.
C · Price history
Price at last available close
$122.69
−$8.62 (-6.56%) 1M
2026-10-27
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Citigroup Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 5, 2026. A research update is not a new financial filing.
Who they are
Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U. S.
How they make money
Citigroup is a global diversified financial services holding company that provides a broad range of financial products and services to consumers, corporations, governments, and institutions. It generates revenue primarily through net interest income from lending and deposit activities, as well as non-interest revenue from fees, commissions, trading, and investment banking services.
Products & services
Citi provides services including investment banking, corporate banking, wealth management, credit cards, retail banking, and global markets trading and securities services.
Brands & revenue mix
The primary global brand for Citigroup's banking and financial services.
Separate brand revenue is not available in this research.Source
A subsidiary brand providing retail banking and card products in Mexico.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
Citigroup does not disclose any single customer that accounts for 10% or more of its total consolidated revenues as of the fiscal year ended December 31, 2025.
Suppliers, materials & equipment
- Technology and communications service providers — The company utilizes various third-party technology and communications providers to support its global operations and digital infrastructure.Source
Competitors
- JPMorgan Chase & Co. — A global financial services firm providing investment banking, financial services for consumers and small businesses, commercial banking, and asset management.Source
- Bank of America Corporation — A multinational investment bank and financial services holding company offering banking, investing, asset management, and other financial and risk management products.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
56
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
48
Weak
Financial Strength
33
Business Quality / Moat
63
Management
32
Growth Quality
66
Risk / Durability
60
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
75
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
70/100
Building Historical Record
Model Score 70/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for C
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •How long can C fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is C's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is C's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current none warning mean for the reliability or interpretation of C's score?
Essential Investment Snapshot
Wall Street Score
56
Opportunity Score
75
Market Cap
$205.80B
P/E Ratio
11.7
EPS
$10.39
52-Week High
$147.96
52-Week Low
$95.83
Beta
1.11
Intrinsic Value
$400.02
Analyst Target
$152.00
Shares Outstanding
1.86B
Total Revenue
$154.20B
Total Debt
$817.48B
Dividend Yield (TTM)
2.01%
Liquidation Value / Share
$113.70
Dividend / Share (TTM)
$2.47
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for C
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Free cash flow is negative
Community Sentiment
0 active · 0 total callsNo personal call yet on C.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Global network and presence in nearly 160 countries and jurisdictions.
- +Strong institutional client franchise with cross-border capabilities.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Free cash flow is negative.
- −Regulatory compliance and consent order remediation risks.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
8 historical score records availablePrevious Score
55
Oct 14, 2026
Change
+1.3
points
Current Score
56
Oct 23, 2026
Category Changes
C increased 1.3 points because Revenue improved by 10.7 points.
Positive Contributors
- + Revenue improved by 10.7 points
Negative Contributors
- − Management declined by 2.8 points
Projected Score
Projected Score
57
Projected Change
+1.0 points
Preliminary comparable-period financial changes suggest improvement of approximately 1.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $10.39 · Growth assumption: 4.1% · Earnings multiplier: 16.6×.
Current Price
$122.69
Model Intrinsic Value
$400.02
Difference
−$277.33
-69.3% vs IV
Margin of Safety
69.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Citigroup revenue is presented net of interest expense, consistent with the issuer financial statements. The October 2026 provider update mixed that basis with older gross revenue and falsely suggested a sharp decline; reviewed revenue rows now use SEC-reported net values. Q3 2026 net revenue was $23.845 billion versus $22.090 billion a year earlier, approximately 8% growth. Directly reported historical rows keep their own filing dates and may reflect later restatements. Unreconciled provider revenue is not included in the comparable revenue series. A complete score remains withheld pending recalculation; this correction does not certify every financial input.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest income | $148.59B | $142.86B | $143.71B | $133.26B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net interest income | $65.51B | $59.79B | $54.09B | $54.90B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Revenue, net of interest expense | $93.11B | $85.22B | $80.72B | $78.07B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $32.49B | $30.82B | $29.75B | $30.71B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $56.15B | $55.22B | $54.07B | $54.99B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $26.66B | $19.83B | $17.05B | $12.91B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $83.08B | $83.07B | $89.62B | $78.36B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $26.66B | $19.83B | $17.05B | $12.91B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $6.76B | $5.37B | $4.21B | $3.53B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $19.33B | $14.31B | $12.68B | $9.23B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $10.39 | $7.23 | $6.03 | $4.07 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 1.84B | 1.82B | 1.90B | 1.93B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 1.84B | 1.86B | 1.90B | 1.96B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$23.81B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.85
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+13.5%
Cash Change
+1.9%
Margin Change
+13.5 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
What Weakened
- Debt increased
Potential Score Impact
Positive indicators included EPS growth, cash levels, net income margin. Pressure indicators included revenue growth, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 45.7%. EPS increased 53.2%. Cash increased 1.9%. Total debt increased 13.5%. Net income margin improved by 13.5 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
8 historical recordsHistorical Score Chart
3 of 8 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - DiversifiedNews
Citigroup Lifts 2026 RoTCE Outlook: What's Fueling the Optimism?
Buy GS and C on Solid Q3 Earnings, Attractive Valuation and Upside
23,870 Citigroup Inc. $C Shares Acquired by Citizens Financial Group Inc. RI
C's September Card Delinquencies Rise: Will This Impact Asset Quality?
Rumor Mill · C
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial