C

Citigroup Inc.

Fundamental data last updated:August 5, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Diversified

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

 


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VALUATION

P/E

13.74

Market Cap ($M USD)

$216.83B

Forward P/E

6.71

PEG

0.06

PRICE TO SALES

1.27

PRICE TO BOOK

1.04

EV / EBITDA

39.08

5-Year Average P/E

Free Cash Flow Yield

-17.16%

DCF Value

$196.70

Graham Number

$158.61

Price to FCF

-5.83

EV to FCF

-25.32

Earnings Yield

7.28%

FCF Yield

-17.16%

DIVIDEND

Yield

1.90%

Annual Payout

$2.40

Payout Ratio

33.79%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$9.21

Next Year EPS Growth Estimate

$18.85

Next Year Revenue Growth Estimate

$109.68B

Return on Equity (ROE)

7.53%

FREE CASH FLOW

Operating Margin

12.79%

Debt-to-Equity

3.37

Piotroski F-Score

4

Altman Z-Score

0.07

Return on Invested Capital (ROIC)

0.94%

Current Ratio

0.05

Quick Ratio

0.05

Net Debt to EBITDA

30.09

Interest Coverage

0.26

Gross Profit margin

45.48%

FCF PER SHARE

$-21.43

REVENUE PER SHARE

$98.56

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Gainseekers Quantitative Analysis

Summary

Citigroup Inc. presents a compelling valuation story. Recent pricing indicated it traded below its DCF Value and Graham Number, suggesting a potential undervaluation. The Forward P/E ratio is notably low, hinting at market skepticism or a potential growth opportunity. However, the Altman Z-score is alarmingly low, raising concerns about financial distress. Despite a decent Earnings Yield, the stock’s safety and growth prospects are questionable, demanding a cautious approach.

AI Exposure / Tech Reliance

As a major player in the financial services sector, Citigroup is well-positioned to leverage AI and tech advancements. The banking industry is increasingly integrating AI for risk management and customer service, areas where Citigroup can capitalize. Their diversified operations provide a robust platform to adapt to technological shifts.

The Bull Case

For value or GARP investors, Citigroup offers intriguing prospects. The company's ROIC, while modest, is complemented by a low PEG Forward ratio, indicating potential undervaluation relative to growth. Despite a negative FCF Yield, the operating margin suggests some pricing power. The Piotroski F-Score is moderate, reflecting a mixed but not dire financial health, hinting at underlying resilience.

The Bear Case

Citigroup's structural risks are glaring. The Net Debt to EBITDA ratio is excessively high, signaling potential leverage issues. A negative FCF Yield and Price to FCF ratio underscore cash flow challenges. The stock's proximity to its 52-week high suggests technical overextension, while the Altman Z-score raises red flags about financial stability. These factors paint a picture of vulnerability despite some valuation strengths.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$140.50

Institutional Ownership %

1-Year Beta

1.12

Insider Buying % (6 Mo)

Distance to 52-Week High

7.00%

Distance to 52-Week Low

41.24%

EARNINGS SURPRISE %

15.47%

50-DAY SMA

$122.84

200-DAY SMA

$110.26

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.