Want to see C full AI Analyst Report?

Citigroup (C) AI Stock Analysis

16,860 Followers

Top Page

Citigroup

(NYSE:C)

Select Model

Neutral 61 (OpenAI - 5.2)

Rating:61Neutral

Price Target:

$141.00

▲(6.66% Upside)

Action:Reiterated

Date:08/07/26

The score is primarily restrained by financial performance risks—especially persistently negative operating and free cash flow—despite improving profitability and better leverage/ROE trends. The latest earnings call was constructive with strong quarterly results, solid capital/liquidity, and significant shareholder returns, but guidance and disclosed headwinds (markets seasonality, elevated card losses, and higher investment/severance costs) temper the outlook. Technical signals are mixed/neutral, and valuation is moderate with a mid-teens P/E and modest dividend yield.

Positive Factors

Diversified, improving profitability

Citigroup's revenue and profit gains across multiple franchises reduce reliance on any single business cycle. Broad-based double-digit growth and a 13% ROTCE reflect durable operating improvements, higher returns on capital and a more resilient earnings base over coming quarters.

Negative Factors

Weak cash generation

Sustained negative operating and free cash flow materially constrain financial flexibility. Over time this limits the bank's ability to self-fund investments, absorb credit shocks or sustain buybacks/dividends without relying on external funding or balance-sheet actions.

Read all positive and negative factors

Positive Factors

Negative Factors

Diversified, improving profitability

Read all positive factors

Citigroup Key Performance Indicators (KPIs)

Any

Institutional Revenue Breakdown

Institutional Revenue Breakdown
Details revenue from institutional clients, highlighting Citigroup's performance in investment banking, trading, and other financial services for large organizations.

Chart InsightsCitigroup's Institutional Revenue Breakdown shows robust growth, particularly in the Treasury and Trade Solutions and Securities Services segments, reflecting strategic focus and operational strength. The recent earnings call highlights a 15% revenue increase in the markets segment, driven by high activity levels and a 40% rise in prime balances. Investment Banking fees also surged by 17%, buoyed by CEO confidence and record equity prices. Despite challenges like goodwill impairment and economic concerns in China and Europe, Citigroup's strategic initiatives in AI and technology integration are poised to drive future growth.

Data provided by:

The Fly

Citigroup (C) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$227.75B

Dividend Yield1.8%

Average Volume (3M)13.55M

Price to Earnings (P/E)14.6

Beta (1Y)1.40

Revenue Growth3.91%

EPS Growth37.25%

CountryUS

Employees219,000

SectorFinancial

Sector Strength70

IndustryBanks - Diversified

Share Statistics

EPS (TTM)9.43

Shares Outstanding1,677,436,800

10 Day Avg. Volume14,646,399

30 Day Avg. Volume13,551,897

Financial Highlights & Ratios

PEG Ratio0.81

Price to Book (P/B)1.00

Price to Sales (P/S)1.26

P/FCF Ratio-2.86

Enterprise Value/Market Cap<0.01

Enterprise Value/Revenue<0.01

Enterprise Value/Gross Profit<0.01

Enterprise Value/Ebitda<0.01

Forecast

1Y Price Target

$156.00

Price Target Upside18.01% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering15

EPS Forecast (FY)11.2

Revenue Forecast (FY)$95.94B

Citigroup Business Overview & Revenue Model

Company Description

Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segm...

How the Company Makes Money

Citigroup makes money primarily by generating net interest income and non-interest revenue across its banking and markets activities. Net interest income is earned from the spread between interest received on loans and interest-paying assets (e.g....

Citigroup Earnings Call Summary

Earnings Call Date:Jul 14, 2026

(Q2-2026)

% Change Since: |

Next Earnings Date:Oct 13, 2026

Earnings Call Sentiment Positive

The call presented a strong set of operating and financial results across most businesses — double-digit revenue growth in 4 of 5 businesses, record revenues, improved ROTCE and meaningful capital returns (buybacks and higher dividend). Management emphasized continued investments (AI, front-office talent, product and marketing) to drive durable, higher returns, while candidly flagging near-term headwinds: elevated credit losses in cards, meaningful investments and severance that will pressure efficiency and a historically seasonal slowdown in markets that could compress second-half results. On balance the positives (broad-based revenue strength, capital flexibility, transformation progress and very strong performance in services, markets, banking and wealth) materially outweigh the disclosed challenges and planned near-term investments.

Positive Updates

Strong Firm-Level Profitability

Net income of $5.8 billion, EPS $3.15, and ROTCE at 13% for Q2; year-to-date ROTCE of 13.1% — notable improvement (firm ROTCE up ~430 bps) and best quarterly revenue in a decade.

Negative Updates

US Consumer Cards Fee Revenue Pressure

US consumer cards non-interest revenues declined 47% year-over-year in the quarter due to higher partner accruals and new account acquisition costs (investments recorded as contra-revenue) despite NII up 5%.

Read all updates

Q2-2026 Updates

Positive

Negative

Strong Firm-Level Profitability

Net income of $5.8 billion, EPS $3.15, and ROTCE at 13% for Q2; year-to-date ROTCE of 13.1% — notable improvement (firm ROTCE up ~430 bps) and best quarterly revenue in a decade.

Read all positive updates

Company Guidance

Management reiterated a full‑year ROTCE target of 10–11% (YTD ROTCE 13.1%; Q2 ROTCE 13%, Q2 net income $5.8B, EPS $3.15) supported by NII ex‑markets growth of ~5–6% and continued NIR ex‑markets momentum, while cautioning markets revenues historically decline ~20% H1→H2 (could be greater this year); they expect a full‑year efficiency ratio around 60% (Q2 efficiency <58%; Q2 expenses $14.2B, +5%), reported Q2 total revenues $24.8B (+14% Y/Y) with positive operating leverage, and Q2 cost of credit $2.5B (U.S. credit‑card NCL guidance 4–4.5%); other key metrics: total reserves >$22B (reserve/funded loans 2.5%; U.S. card reserve/funded loans 7.6%; ~86% of card balances FICO ≥660), CET1 12.8% (~120 bps above the 11.6% requirement; targeted CET1 ~12.6%), SEV 3.6% (implied DFAST SEV 3.3%), assets $2.9T (+4% Q/Q), loans +4% Y/Y, deposits $1.5T (+3%), LCR 114% and >$1T available liquidity; capital actions include a $30B buyback program ($4B repurchased in Q2) and a planned 12% dividend increase beginning Q3, and management said it may accelerate organic investments and take additional severance to fund growth while maintaining discipline.

Citigroup Financial Statement Overview

Summary

Earnings and operating profitability improved (TTM net income $17.8B; operating margin ~16.1% vs ~11.8% in 2025) and leverage metrics/ROE are recovering (debt-to-equity ~1.90; ROE ~8.4%). However, revenue declined ~10.3% TTM and cash generation is a major weakness with negative operating cash flow (~-$40.2B) and negative free cash flow (~-$47.8B), limiting near-term financial flexibility.

Income Statement

Positive

Balance Sheet

Neutral

Cash Flow

Negative

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	153.60B	168.30B	170.71B	155.38B	100.22B	79.87B
Gross Profit	83.82B	74.98B	71.12B	67.90B	69.37B	75.78B
EBITDA	28.05B	23.10B	21.36B	17.47B	23.07B	31.43B
Net Income	17.80B	14.27B	12.68B	9.23B	14.85B	21.95B
Balance Sheet
Total Assets	2.89T	2.66T	2.35T	2.41T	2.42T	2.29T
Cash, Cash Equivalents and Short-Term Investments	996.75B	675.44B	498.02B	506.00B	580.77B	541.33B
Total Debt	813.85B	715.80B	590.56B	602.18B	521.15B	473.63B
Total Liabilities	2.68T	2.44T	2.14T	2.21T	2.21T	2.09T
Stockholders Equity	212.01B	212.29B	208.60B	205.45B	201.19B	201.97B
Cash Flow
Free Cash Flow	-24.51B	-74.15B	-26.17B	-80.00B	19.44B	42.97B
Operating Cash Flow	-18.30B	-67.63B	-19.67B	-73.42B	25.07B	47.09B
Investing Cash Flow	-177.95B	-108.28B	86.25B	-8.46B	-79.45B	-110.75B
Financing Cash Flow	228.13B	238.03B	-38.30B	687.00M	137.76B	17.27B

Citigroup Technical Analysis

Technical Analysis Sentiment

Positive

Last Price132.19

Price Trends

50DMA

136.13

Positive

100DMA

129.37

Positive

200DMA

119.17

Positive

Market Momentum

MACD

0.31

Negative

RSI

56.44

Neutral

STOCH

71.16

Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For C, the sentiment is Positive. The current price of 132.19 is below the 20-day moving average (MA) of 132.70, below the 50-day MA of 136.13, and above the 200-day MA of 119.17, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 56.44 is Neutral, neither overbought nor oversold. The STOCH value of 71.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for C.

Citigroup Risk Analysis

Citigroup disclosed 24 risk factors in its most recent earnings report. Citigroup reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added 0 New Risks

Citigroup Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JPM	77 Outperform	$962.37B	15.70	17.81%	1.70%	8.20%	19.76%
BAC	76 Outperform	$447.54B	14.70	11.13%	1.80%	-1.71%	27.92%
HSBC	72 Outperform	$353.39B	14.72	12.98%	3.62%	-5.19%	39.48%
WFC	72 Outperform	$264.45B	12.69	12.57%	2.09%	4.24%	18.04%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GS	64 Neutral	$301.19B	15.80	16.97%	1.60%	8.38%	42.87%
C	61 Neutral	$227.75B	14.59	8.39%	1.82%	3.91%	37.25%

* Financial Sector Average

Performance Comparison

Citigroup

137.58

44.89

48.43%

BAC

Bank of America

64.81

18.58

40.18%

HSBC

HSBC Holdings

104.12

42.17

68.08%

JPM

JPMorgan Chase

365.18

80.10

28.10%

WFC

Wells Fargo

88.93

12.70

16.66%

Goldman Sachs Group

1,037.21

307.22

42.08%

Citigroup Corporate Events

Business Operations and StrategyExecutive/Board ChangesShareholder Meetings

Citigroup Shareholders Approve Expanded Stock Incentive Plan

Positive

May 21, 2026

At its May 20, 2026 annual meeting, Citigroup stockholders approved an amendment to the Citigroup 2019 Stock Incentive Plan, increasing the authorized shares available for grants by 20 million, reinforcing the bank’s capacity to use equity-b...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 07, 2026