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C

Citigroup Inc.

C

NYSE·Financial Services·Banks - Diversified·Mkt cap $240.3B

$138.80

▼ -0.95%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$85.48 - $147.96

P/E

17.20

Fwd P/E

11.07

Beta

1.11

Div Yield

1.71%

Avg Vol

12.0M

Shares Out

1.7B

Mkt Cap

$240.3B

Price action

Price chart

Up 61.5% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

5 reasons

  • Global scale with presence in 160+ countries and 2,300+ branches
  • Diversified revenue streams across consumer and institutional banking
  • Strong brand recognition and customer relationships built over 200+ years
  • Extensive distribution network and digital banking capabilities
  • Deep expertise in wholesale banking, trading, and investment advisory
▼

Bear Case

2 risks

  • Average volatility.
  • Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Growth

Revenue decline expected

Digital transformation and expansion of mobile banking platforms

Value

Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Momentum

Hot

+21.6% over 3m

Quality

Strong

High-growth business (110% revenue growth, 45% gross margin). Profitable with strong growth momentum.

Dividend

Modest

1.71% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 21, 2026

“
Q2 26 RECAP

APR 14, 2026

Reported EPS of $3.06 vs $2.65 consensus (+15.5% surprise). Revenue of $24.6B vs $23.6B expected (+4.4%). Beat on both top and bottom lines.

EPS beat +15.5%
Rev beat +4.4%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+15.5%

Next: Apr 21, 2026

Revenue trend · last 8Q

—

—

—

+3%

+8%

+9%

+1%

+104%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$20.1B

$20.3B

$19.6B

$21.6B

$42.4B

$43.8B

$40.9B

$44.1B

Margins · last 8Q

Gross

49.3%

Operating

17.0%

Profit

13.1%

View full earnings history →

Wall Street consensus

12 analysts · 83% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

10

83%

Hold

2

17%

Sell

0%

Median Price Target

$146.00

▲ +5.2% vs $138.80

Low $139.00
Median $146.00
High $164.00

Latest: Oppenheimer · Jun 30, 2026

9 analysts covering

View full analyst page →

vs Industry

How C stacks vs Banks - Diversified

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.