Citigroup (C)
Financials · $223B market cap · SEC CIK 0000831001
$132.47
▼-1.91% on the day
close of Sep 22, 2026
56
Mixed
fundamentals score out of 100
fundamentals score out of 100
Next reports on Oct 13, 2026, with analysts expecting $2.72 in earnings per share.
The case for C
- Cheap on earnings at 12.5×, well under the market's usual 20×.
- Earnings per share up 35.2%.
- Pays a 4.7% dividend while you wait.
- A PEG of 0.35: a P/E of 12.5× is low for EPS growing 35%.
- Trades at 1.13× book value, close to what the balance sheet says it owns.
- Price/sales of 1.1× is lower than 92% of Financials companies.
The case against
- Growth is weak (41/100): EPS +35.2%, +3.9% a year over five years.
- Return on equity of 8% is lower than 89% of Financials companies.
What the score is made of
Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 82 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 41 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 44 |
| Momentumhow the price has behaved lately | 62 |
| Stabilityhow violently it moves, what it owes and what it pays you | 52 |
- Its one-year revenue change (+99%) is far out of line with its five-year trend (+4% a year). In the Financials sector that is usually interest income swinging with rates rather than growth, so only the five-year figure is used.
- Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
- Each factor except momentum is half fixed thresholds, half rank among the 74 Financials companies.
Key numbers
| Price / earnings | 12.5× |
|---|---|
| Price / book | 1.13× |
| Price / sales | 1.1× |
| Revenue growth (YoY) | +99.2% (not used: out of line with the five-year +3.9% a year) |
| EPS growth (YoY) | +35.2% |
| Gross margin | — |
| Operating margin | 23% |
| Net margin | 17% |
| Return on equity | 8% |
| Debt / equity | 3.84× |
| Current ratio | n/a |
| Dividend yield | 4.69% |
| Beta | 1.16 |
| 52-week range | $93.66 – $147.96 |
| Position in that range | 71% of the way up |
| 3-month return | -5.6% |
| 1-year return | +31.5% |
Five years of financials, as filed
Pulled from Citigroup's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | $85.2B | $80.7B | $78.1B | $75.3B | $71.9B |
| Net income | $14.3B | $12.7B | $9.2B | $14.8B | $22.0B |
| Operating cash flow | -$67.6B | -$19.7B | -$73.4B | $25.1B | $47.1B |
| Capital expenditure | $6.5B | $6.5B | $6.6B | $5.6B | $4.1B |
| Total assets | $2.66T | $2.35T | $2.41T | $2.42T | $2.29T |
| Total liabilities | $2.44T | $2.14T | $2.21T | $2.21T | $2.09T |
| Shareholder equity | $212B | $209B | $205B | $201B | $202B |
| Cash | $350B | $277B | $261B | $342B | $262B |
| Long-term debt | $316B | $287B | $287B | $272B | $254B |
| Free cash flow | -$74.2B | -$26.2B | -$80.0B | $19.4B | $43.0B |
| Net margin | 16.8% | 15.7% | 11.8% | 19.7% | 30.5% |
| Diluted shares | 1.9B | 1.9B | 2.0B | 2.0B | 2.0B |
Share count is down 8.6% over 4 years. Buybacks have been shrinking the pie.
Risk factors C lists in its 10-K
- Legal Proceedings—See Note 30 to the Consolidated Financial Statements
- Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
- Management’s Discussion and Analysis of Financial Condition and Results of Operations
- Quantitative and Qualitative Disclosures About Market Risk
- Financial Statements and Supplementary Data
- Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
- Disclosure Regarding Foreign Jurisdictions that Prevent Inspections
- Directors, Executive Officers and Corporate Governance
- Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
- Certain Relationships and Related Transactions, and Director Independence
- Principal Accountant Fees and Services
- Exhibit and Financial Statement Schedules
- Citigroup’s Five Reportable Business Segments
- All Other—Divestiture-Related Impacts (Reconciling Items)