C
Citigroup
$145.67
▲ 1.8%Updated Today 7:15 PM ET
▲ Up 82.6% over the last 12 months
Market Cap
$245.33B
P/E
15.12x
Forward P/E (est.)
11.95x
ROE
7.5%
Revenue Growth
99.2%
EPS Growth
26.5%
Profit Margin
17.4%
FCF Yield
6.1%
Debt / Equity
3.33x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
1.7%
Implied Growth (rev. DCF)
—
Rating Score
65/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what C's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. C trades near $145.67, above its 50-day average ($129.58) and 200-day average ($113.31). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 79 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. C's is $4.05 (~2.8% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month C found buyers near $123.24 (support) and sellers near $147.96 (resistance); its 52-week range is $77.26–$147.96. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 2.4× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Citigroup (C) is a mega-cap company in the Diversified Banks industry, part of the Financials sector of the S&P 500, with a market value around $245.33B.
In its latest reported year it generated about $85.22B in revenue and $14.31B in net profit.
Our model rates C Favorable (65/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
4.3%
Revenue moved from $71.88B in 2021 to $85.22B in 2025, a 4.3% compound annual growth rate. The most recent year grew a strong 99.2% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
23.0%
Net Margin
16.8%
ROE
7.5%
Citigroup keeps about 17.4% of each sales dollar as net profit. Return on equity is 7.5%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$315.83B
Net Debt
$127.72B
Net Debt / EBITDA
—
Debt / Equity
3.33x
Leverage: debt-to-equity is 3.3x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $315.83B of total debt against $188.10B of cash.
Operating CF
-$67.63B
Free Cash Flow
-$74.15B
FCF Margin
-87.0%
In the latest year Citigroup produced about -$67.63B of operating cash flow but negative free cash flow as it invested heavily. That is a free-cash-flow yield of about 6.1% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
15.12x
P/S
1.15x
P/B
0.98x
EV / EBITDA
—
C trades at 15.1x trailing earnings (about 11.9x on estimated forward earnings), 1.1x sales, and 1.0x book value. That is a fairly typical valuation for a profitable company.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How C stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), C ranks #37 of 76 by our overall rating. It trades at roughly in line versus the sector on earnings (15.1x P/E vs. 15.2x median) with a lower return on equity (7.5% vs. 15.3%) and faster revenue growth (99.2% vs. 9.1%).
P/E vs sector
15.1x
median 15.2x
ROE vs sector
7.5%
median 15.3%
Growth vs sector
99.2%
median 9.1%
Sector rank
#37
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$477.78 – $796.30
vs. $145.67 today · expected CAGR 27% – 40%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $123.58B | $179.19B | $259.82B | $376.74B | $546.27B |
| Net income | $21.01B | $30.46B | $44.17B | $64.05B | $92.87B |
| EPS | $12.01 | $17.41 | $25.25 | $36.61 | $53.09 |
| Share price (low) | $108.08 | $156.72 | $227.24 | $329.50 | $477.78 |
| Share price (high) | $180.14 | $261.20 | $378.74 | $549.17 | $796.30 |
| CAGR (low–high) | -26% / 24% | 4% / 34% | 16% / 38% | 23% / 39% | 27% / 40% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for C:
- Revenue is growing 99.2% a year, a sign of real demand.
- High net margins (17.4%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~6.1%) funds buybacks and dividends.
- Our model's overall read is Favorable (65/100).
The case against C:
- Elevated leverage (debt/equity 3.3x) adds financial risk.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 3.3x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Citigroup is a mega-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 15.1x earnings, which our model scores Favorable (65/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.