Citigroup (C) AI Stock Analysis

• Market Cap: $186.65B
• Dividend Yield: 2.26%
• Average Volume (3M): 14.02M
• Price to Earnings (P/E): 14.3
• Beta (1Y): 1.43
• Revenue Growth: -0.63%
• EPS Growth: 105.57%
• Country: US
• Employees: 229,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 1.86
• Shares Outstanding: 1,840,898,000
• 10 Day Avg. Volume: 15,665,004
• 30 Day Avg. Volume: 14,016,000
• 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: 4.85
• Enterprise Value/Revenue: 5.40
• Enterprise Value/Gross Profit: 12.52
• Enterprise Value/Ebitda: 39.20
• 1Y Price Target: $114.77
• Price Target Upside: 13.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 16

• Rating: 67 Neutral
• Price Target: $107.00 ▲(5.95% Upside)

Citigroup's overall stock score reflects strong earnings performance and valuation, offset by financial challenges and high leverage. The earnings call was a significant positive factor, showcasing record revenues and strategic growth initiatives. However, financial performance concerns, particularly in cash flow and leverage, weigh on the overall score.

Positive Factors

Innovation and Technology Integration

Citigroup's focus on AI and technology integration enhances operational efficiency and competitive advantage, supporting long-term growth and adaptability in a tech-driven financial landscape.

Capital Return to Shareholders

Strong capital returns reflect Citigroup's robust financial position and commitment to shareholder value, indicating confidence in future cash generation and financial stability.

Leadership Change

Jane Fraser's appointment as Chair strengthens leadership continuity and strategic direction, potentially enhancing decision-making and corporate governance over the long term.

Negative Factors

High Leverage

High leverage can limit financial flexibility and increase risk during economic downturns, potentially impacting Citigroup's ability to invest in growth opportunities.

Negative Cash Flows

Negative cash flows highlight potential liquidity challenges, which could constrain Citigroup's ability to fund operations and strategic initiatives without relying on external financing.

Revenue Growth Challenges

Negative revenue growth indicates difficulties in expanding market share and generating top-line growth, which could affect long-term profitability and competitive positioning.

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 and Investment Banking. Citigroup offers a wide range of products and services such as credit cards, retail banking, investment banking, wealth management, and treasury and trade solutions, catering to millions of customers worldwide, from individuals to large corporations and governments.

How the Company Makes Money

Citigroup generates revenue primarily through interest income, fees, and commissions. Key revenue streams include consumer banking, which provides interest income from loans and fees from services like credit cards and personal loans; institutional clients group, which earns through advisory fees, trading income, and lending; and investment banking, which contributes through underwriting and advisory services. Additionally, Citigroup benefits from asset management and wealth management services. Strategic partnerships with other financial institutions and corporations enhance its service offerings, while its global presence allows it to capitalize on diverse markets and economic conditions, contributing significantly to its overall earnings.

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	167.87B	170.71B	155.38B	100.22B	79.87B	88.83B
Gross Profit	72.36B	71.12B	67.90B	69.37B	75.78B	58.12B
EBITDA	23.11B	21.36B	17.47B	23.07B	31.43B	17.57B
Net Income	14.18B	12.68B	9.23B	14.85B	21.95B	11.05B
Balance Sheet
Total Assets	2.62T	2.35T	2.41T	2.42T	2.29T	2.26T
Cash, Cash Equivalents and Short-Term Investments	563.20B	498.02B	506.00B	580.77B	541.33B	638.78B
Total Debt	721.23B	590.56B	602.18B	521.15B	473.63B	500.73B
Total Liabilities	2.41T	2.14T	2.21T	2.21T	2.09T	2.06T
Stockholders Equity	213.22B	208.60B	205.45B	201.19B	201.97B	199.44B
Cash Flow
Free Cash Flow	-93.69B	-26.17B	-80.00B	19.44B	42.97B	-26.93B
Operating Cash Flow	-87.17B	-19.67B	-73.42B	25.07B	47.09B	-23.49B
Investing Cash Flow	10.19B	86.25B	-8.46B	-79.45B	-110.75B	-92.44B
Financing Cash Flow	160.15B	-38.30B	687.00M	137.76B	17.27B	233.59B

Citigroup Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 100.99
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 100.99 is above the 20-day moving average (MA) of 97.85, above the 50-day MA of 98.18, and above the 200-day MA of 82.66, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 58.29 is Neutral, neither overbought nor oversold. The STOCH value of 78.17 is Neutral, 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
HSBC	―	$239.66B	13.88	10.69%	4.88%	-2.96%	-13.66%
GS	―	$239.78B	16.09	13.60%	1.65%	-0.82%	44.49%
JPM	―	$839.66B	15.13	16.35%	1.82%	1.95%	12.32%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	―	$186.65B	14.25	6.88%	2.26%	-0.63%	105.57%
BAC	―	$391.61B	14.42	9.87%	2.02%	-0.27%	33.84%
WFC	―	$278.38B	14.31	11.56%	1.90%	-4.18%	26.41%

Citigroup Corporate Events

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.

The most recent analyst rating on (C) stock is a Hold with a $107.00 price target. To see the full list of analyst forecasts on Citigroup stock, see the C Stock Forecast page.

Citigroup Reports Strong Q3 2025 Earnings Growth

Citigroup Inc., a leading global financial services corporation, operates in over 180 countries offering a wide range of financial products and services to corporations, governments, investors, institutions, and individuals. In its latest earnings report for the third quarter of 2025, Citigroup announced a net income of $3.8 billion, or $1.86 per diluted share, on revenues of $22.1 billion, reflecting a 9% increase in revenues compared to the same period last year.

Citigroup’s Earnings Call: Record Revenues and Strategic Growth

Citigroup Inc.’s latest earnings call painted a picture of robust financial health, underscored by record revenues across all business segments and notable growth in wealth management. The sentiment was largely positive, buoyed by substantial capital returns to shareholders and advancements in AI and technology integration. However, the call did not shy away from addressing challenges, including goodwill impairment, economic concerns in China and Europe, and a rise in corporate non-accrual loans.

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.

The most recent analyst rating on (C) stock is a Buy with a $112.00 price target. To see the full list of analyst forecasts on Citigroup stock, see the C Stock Forecast page.