Citigroup (C) AI Stock Analysis

• Market Cap: $205.52B
• Dividend Yield: 2.02%
• Average Volume (3M): 12.59M
• Price to Earnings (P/E): 16.1
• Beta (1Y): 1.38
• Revenue Growth: -0.62%
• EPS Growth: 105.57%
• Country: US
• Employees: 229,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 1.86
• Shares Outstanding: 1,789,266,100
• 10 Day Avg. Volume: 15,773,591
• 30 Day Avg. Volume: 12,586,276
• PEG Ratio: 0.22
• Price to Book (P/B): 0.64
• Price to Sales (P/S): 0.78
• P/FCF Ratio: -5.11
• Enterprise Value/Market Cap: 4.30
• Enterprise Value/Revenue: 5.26
• Enterprise Value/Gross Profit: 11.90
• Enterprise Value/Ebitda: 38.49
• 1Y Price Target: $120.60
• Price Target Upside: 5.00% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 15
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $119.00 ▲(3.60% Upside)

Citigroup's overall stock score reflects strong earnings performance and positive corporate events, balanced by financial challenges and overbought technical indicators. The company's strategic focus on innovation and capital returns supports its growth potential, despite economic uncertainties.

Positive Factors

Revenue Growth

The consistent revenue growth across all segments indicates strong market demand and effective business strategies, supporting long-term expansion.

Capital Return to Shareholders

Significant capital returns reflect strong cash generation and a commitment to enhancing shareholder value, which is a positive indicator of financial health.

Innovation and Technology Integration

Advancements in AI and technology integration can drive operational efficiencies and competitive advantages, supporting sustainable growth.

Negative Factors

High Leverage

High leverage poses a risk in volatile markets, potentially limiting financial flexibility and increasing vulnerability to economic downturns.

Negative Cash Flows

Negative cash flows can strain liquidity and hinder the company's ability to invest in growth opportunities, posing long-term financial challenges.

Goodwill Impairment Impact

Goodwill impairment affects reported earnings and may signal overvaluation of past acquisitions, impacting financial stability and investor confidence.

Citigroup Business Overview & Revenue Model

Company Description

Citigroup Inc. is a global financial services corporation headquartered in New York City. It operates through several segments, including Global Consumer Banking, Institutional Clients Group, and Corporate/Other. Citigroup offers a wide range of financial products and services, such as banking, credit cards, investment banking, wealth management, and treasury and trade solutions, catering to millions of customers worldwide, from individual consumers to large corporations and governments.

How the Company Makes Money

Citigroup generates revenue through multiple streams. Its Global Consumer Banking segment earns money primarily from interest income on loans, fees from credit card services, and various banking fees. The Institutional Clients Group contributes significantly through investment banking services, including advisory fees, underwriting, and trading revenues. Additionally, Citigroup benefits from asset management fees and transaction-related fees in its wealth management services. The company's extensive network of partnerships with financial institutions and corporations enhances its ability to offer integrated financial solutions, further bolstering its earnings. Key factors contributing to its revenue include global economic conditions, interest rate fluctuations, and the performance of the capital markets.

Citigroup Financial Statement Overview

Summary

Citigroup's financial statements reflect challenges in revenue growth and cash flow management, with high leverage posing additional risks. While profitability margins show some operational improvements, the overall financial health is impacted by negative cash flows and high debt levels.

Income Statement

Citigroup's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) gross profit margin is stable at 43.11%, but the net profit margin has decreased to 8.45% from 19.71% in 2022. Revenue growth has been negative recently, indicating challenges in expanding top-line revenue. However, EBIT and EBITDA margins have shown slight improvements, suggesting operational efficiency gains.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 3.38 in the TTM, indicating significant leverage, which poses a risk in volatile markets. Return on equity is moderate at 6.72%, reflecting decent profitability relative to equity. The equity ratio stands at 8.13%, showing a relatively low proportion of equity financing compared to total assets.

Cash Flow

Cash flow analysis indicates negative operating and free cash flows in the TTM, which is concerning. However, free cash flow to net income ratio is positive at 1.07, suggesting that despite negative cash flows, the company is generating cash relative to its net income. The operating cash flow to net income ratio is negative, highlighting potential liquidity challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	168.35B	170.71B	155.38B	100.22B	79.87B	88.83B
Gross Profit	74.33B	71.12B	67.90B	69.37B	75.78B	58.12B
EBITDA	22.98B	21.36B	17.47B	23.07B	31.43B	17.57B
Net Income	14.69B	12.68B	9.23B	14.85B	21.95B	11.05B
Balance Sheet
Total Assets	2.64T	2.35T	2.41T	2.42T	2.29T	2.26T
Cash, Cash Equivalents and Short-Term Investments	672.58B	498.02B	506.00B	580.77B	541.33B	638.78B
Total Debt	720.24B	590.56B	602.18B	521.15B	473.63B	500.73B
Total Liabilities	2.43T	2.14T	2.21T	2.21T	2.09T	2.06T
Stockholders Equity	213.02B	208.60B	205.45B	201.19B	201.97B	199.44B
Cash Flow
Free Cash Flow	-74.35B	-26.17B	-80.00B	19.44B	42.97B	-26.93B
Operating Cash Flow	-69.39B	-19.67B	-73.42B	25.07B	47.09B	-23.49B
Investing Cash Flow	-47.56B	86.25B	-8.46B	-79.45B	-110.75B	-92.44B
Financing Cash Flow	144.76B	-38.30B	687.00M	137.76B	17.27B	233.59B

Citigroup Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 114.86
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 114.86 is above the 20-day moving average (MA) of 107.56, above the 50-day MA of 102.46, and above the 200-day MA of 87.07, indicating a bullish trend. The MACD of 3.36 indicates Negative momentum. The RSI at 76.27 is Negative, neither overbought nor oversold. The STOCH value of 81.59 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for C.

Citigroup Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WFC	80 Outperform	$291.97B	15.32	11.56%	1.83%	-4.37%	26.41%
HSBC	78 Outperform	$266.47B	16.45	8.66%	4.21%	-9.54%	-22.46%
GS	73 Outperform	$267.98B	18.15	13.57%	1.57%	2.31%	44.49%
BAC	72 Outperform	$403.61B	15.06	9.87%	1.95%	0.15%	33.84%
JPM	72 Outperform	$863.53B	15.71	16.35%	1.79%	1.89%	12.32%
C	68 Neutral	$205.52B	16.15	6.88%	2.02%	-0.62%	105.57%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Citigroup Corporate Events

Citigroup Establishes New Series of Preferred Stock

On December 9, 2025, Citigroup Inc. filed a Certificate of Designations with the Delaware Secretary of State to establish a new series of preferred stock, the 6.625% Fixed Rate Reset Noncumulative Preferred Stock, Series HH. This move, effective immediately upon filing, is part of Citigroup’s strategic efforts to enhance its capital structure and offer diversified investment options, potentially impacting its market positioning and stakeholder interests.

Citigroup Announces New CFO in Leadership Transition

On November 19, 2025, Citigroup announced a significant leadership transition, appointing Gonzalo Luchetti as the new Chief Financial Officer, effective March 2026, succeeding Mark Mason, who will become Executive Vice Chair and Senior Executive Advisor. This change is part of a broader strategic restructuring to integrate Retail Banking into the Wealth business and establish U.S. Consumer Cards as a core business, aiming to enhance Citi’s competitive positioning and growth trajectory.

Citigroup Awards CEO Jane Fraser $25M Equity Package

On October 22, 2025, Citigroup‘s Board of Directors awarded CEO Jane Fraser a one-time equity award valued at $25 million in Restricted Stock Units and 1.055 million stock options, reflecting her leadership and strategic execution. This decision underscores the Board’s confidence in Fraser’s ability to drive long-term growth and stability, as evidenced by Citi’s organizational transformation, strategic asset sales, and stock performance improvements since 2022.

Citigroup Announces Sale of Banamex Stake

On September 24, 2025, Citigroup Inc. announced that CHPAF Holdings S.A.P.I de C.V., owned by Fernando Chico Pardo and his family, agreed to purchase a 25% equity stake in Grupo Financiero Banamex, S.A. de C.V. for approximately USD 2.3 billion. This transaction, expected to close in the second half of 2026, marks the start of a strategic relationship with Pardo, who will become Chair of Banamex’s Board of Directors. Additionally, Citi reported a non-cash goodwill impairment of USD 726 million due to the transaction, which is capital neutral to the company.