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Financial Services - Banks - Diversified - NYSE - US
$ 88.72
2.26 %
$ 166 B
Market Cap
14.02
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one C stock under the worst case scenario is HIDDEN Compared to the current market price of 88.7 USD, Citigroup Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one C stock under the base case scenario is HIDDEN Compared to the current market price of 88.7 USD, Citigroup Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one C stock under the best case scenario is HIDDEN Compared to the current market price of 88.7 USD, Citigroup Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart C

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$90.0$90.0$85.0$85.0$80.0$80.0$75.0$75.0$70.0$70.0$65.0$65.0$60.0$60.0$55.0$55.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
171 B REVENUE
9.86%
17 B OPERATING INCOME
32.04%
12.7 B NET INCOME
37.44%
-19.7 B OPERATING CASH FLOW
73.21%
86.2 B INVESTING CASH FLOW
1119.62%
-38.3 B FINANCING CASH FLOW
-5575.55%
41.3 B REVENUE
0.87%
5.45 B OPERATING INCOME
43.29%
4.06 B NET INCOME
42.33%
-58.7 B OPERATING CASH FLOW
-236.76%
-99 B INVESTING CASH FLOW
-1277.36%
185 B FINANCING CASH FLOW
491.02%
Balance Sheet Citigroup Inc.
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Current Assets 549 B
Cash & Short-Term Investments 498 B
Receivables 51.1 B
Other Current Assets 0
Non-Current Assets 1.8
Long-Term Investments 925 B
PP&E 30.2 B
Other Non-Current Assets 848 B
21.17 %39.33 %36.05 %Total Assets$2.4t
Current Liabilities 1.79
Accounts Payable 66.6 B
Short-Term Debt 303 B
Other Current Liabilities 1.42
Non-Current Liabilities 355 B
Long-Term Debt 287 B
Other Non-Current Liabilities 68.1 B
3.11 %14.15 %66.17 %13.40 %3.18 %Total Liabilities$2.1t
EFFICIENCY
Earnings Waterfall Citigroup Inc.
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Revenue 171 B
Cost Of Revenue 99.6 B
Gross Profit 71.1 B
Operating Expenses 54.1 B
Operating Income 17 B
Other Expenses 4.36 B
Net Income 12.7 B
180b180b160b160b140b140b120b120b100b100b80b80b60b60b40b40b20b20b00171b(100b)71b(54b)17b(4b)13bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
41.66% GROSS MARGIN
41.66%
9.99% OPERATING MARGIN
9.99%
7.43% NET MARGIN
7.43%
6.08% ROE
6.08%
0.54% ROA
0.54%
1.48% ROIC
1.48%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Citigroup Inc.
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60b60b40b40b20b20b00(20b)(20b)(40b)(40b)(60b)(60b)(80b)(80b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 12.7 B
Depreciation & Amortization 4.31 B
Capital Expenditures -6.5 B
Stock-Based Compensation 0
Change in Working Capital -59 B
Others -34.8 B
Free Cash Flow -26.2 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Citigroup Inc.
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Wall Street analysts predict an average 1-year price target for C of $77.3 , with forecasts ranging from a low of $64 to a high of $91 .
C Lowest Price Target Wall Street Target
64 USD -27.86%
C Average Price Target Wall Street Target
77.3 USD -12.87%
C Highest Price Target Wall Street Target
91 USD 2.57%
Price
Max Price Target
Min Price Target
Average Price Target
959590908585808075757070656560605555Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.99% DIVIDEND YIELD
0.56 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.502.502.002.001.501.501.001.000.500.500.000.000.160.320.450.510.510.510.510.530.560.160.320.450.510.510.510.510.530.560.160.320.450.510.510.510.510.530.560.160.160.420.320.960.451.540.511.920.512.040.512.040.512.040.532.080.562.181.122015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Citigroup Inc.
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Sold
0-3 MONTHS
301 K USD 1
3-6 MONTHS
16.9 M USD 7
6-9 MONTHS
910 K USD 1
9-12 MONTHS
2.35 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
The Smartest Dividend Stocks To Own For What's Coming Asking 'why' repeatedly is crucial for investors to understand the root causes of macroeconomic shifts and avoid being blind sided by market disruptions. The current U.S. policy shift favors growth over inflation control, increasing risks of higher inflation and short-term debt refinancing challenges. Given these risks, I recommend increasing exposure to real assets, REITs, and cyclical value stocks for inflation protection and potential outperformance. seekingalpha.com - 2 weeks ago
Big Bank Buybacks: Morgan Stanley, Citi, & Wells Fargo Lead When investors look for some of the best indicators pointing to a stock moving higher in the short—to medium-term timeline, there aren't many indicators as powerful as a company buying back its own stock in bulk. Stock buyback programs are a tax-free and efficient way to reward shareholders, unlike dividend payments or other methods commonly used in today's market. marketbeat.com - 2 weeks ago
Looking Ahead to Bank Earnings Note: The following is an excerpt from this week's Earnings Trends report. You can access the full report that contains detailed historical actual and estimates for the current and following periods, please click here>>> zacks.com - 2 weeks ago
Looking Ahead to Bank Earnings Note: The following is an excerpt from this week's Earnings Trends report. You can access the full report that contains detailed historical actual and estimates for the current and following periods, please click here>>> zacks.com - 2 weeks ago
UBS' Erika Najarian: Banks are in wait-and-see mode Erika Najarian, UBS large cap bank analyst, joins CNBC's 'Squawk on the Street' to discuss what's on deck for banks in the second half of the year. youtube.com - 2 weeks ago
Banks will a break to a new valuation paradigm, says TD Cowen's Steven Alexopoulos Steven Alexopoulos, TD Cowen U.S. large cap bank analyst, joins 'Squawk Box' to discuss the state of the banking sector, Big Banks boosting dividends and stock buybacks, impact of AI, stablecoins, and more. youtube.com - 2 weeks ago
Final Trades: Amazon, American Express, Citigroup and Chipotle The Investment Committee give you their top stocks to watch for the second half. youtube.com - 2 weeks ago
Citigroup Announces €1.75 Billion Redemption of 1.250% Fixed Rate/Floating Rate Notes Due 2026 NEW YORK--(BUSINESS WIRE)--Citigroup Inc. is announcing the redemption, in whole, constituting €1,750,000,000 of its 1.250% Fixed Rate/Floating Rate Notes due 2026 (the “notes”) (ISIN: XS2167003685). The redemption date for the notes is July 6, 2025 (the “redemption date”). The cash redemption price for the notes payable on the redemption date will equal par plus accrued and unpaid interest, to but excluding, the redemption date and will be paid on July 7, 2025, the next succeeding business day. businesswire.com - 2 weeks ago
C Clears 2025 Fed Stress Test: Make Investment or Still Wait? Citigroup Inc. C has passed the Federal Reserve's 2025 stress test. Post-clearing the stress test, C now has the flexibility to return excess capital to shareholders via dividends and share repurchases. zacks.com - 2 weeks ago
Banks rise on regulatory hopes CNBC's Leslie Picker joins 'Money Movers' to discuss the financial sector seeing a rise is stock amid passing the Fed's stress test. youtube.com - 2 weeks ago
Is Citigroup A 'Buy' Following The Fed's Stress Tests? Citigroup remains the cheapest large U.S. bank by price-to-book, justified by its higher risk profile and below-average profitability. Despite strong share performance, Citigroup's dividend yield is now less attractive, making earnings growth the main upside driver. Restructuring has improved efficiency and profitability, but asset quality and exposure to riskier markets/products remain concerns. seekingalpha.com - 2 weeks ago
Citigroup: New Era Citigroup remains well-capitalized, exceeding CET1 requirements even under severe stress scenarios. The U.S. large bank sector is facing a reduced regulatory environment with less strict stress tests, increasing the potential for larger capital returns. The stock still trades below TBV up at $91.52, even after the big snapback rally, while banking peers trade at multi-year high multiples. seekingalpha.com - 3 weeks ago
8. Profile Summary

Citigroup Inc. C

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COUNTRY US
INDUSTRY Banks - Diversified
MARKET CAP $ 166 B
Dividend Yield 0.99%
Description 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.
Contact 388 Greenwich Street, New York City, NY, 10013 https://www.citigroup.com
IPO Date Jan. 3, 1977
Employees 229000
Officers Ms. Jane Nind Fraser Ph.D. Chief Executive Officer & Director Mr. Andrew J. Morton Head of Markets Mr. Achintya Mangla Head of Investment Banking Financing Mr. Andrew Mason Sieg Head of Wealth Mr. Tim Ryan Head of Technology & Business Enablement Ms. Nicole Giles Chief Accounting Officer & Controller Mr. Mark A.L. Mason Chief Financial Officer Mr. David R. Bailin Chief Investment Officer & Global Head of Investments Mr. Anand Selvakesari Chief Operating Officer Mr. Viswas Raghavan Executive Vice Chairman & Head of Banking