Citigroup (C) AI Stock Analysis

• Market Cap: $184.63B
• Dividend Yield: 2.17%
• Average Volume (3M): 10.89M
• Price to Earnings (P/E): 14.5
• 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: 10,111,365
• 30 Day Avg. Volume: 10,889,911
• 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: 4.79
• Enterprise Value/Revenue: 5.26
• Enterprise Value/Gross Profit: 11.90
• Enterprise Value/Ebitda: 38.49
• 1Y Price Target: $115.10
• Price Target Upside: 7.85% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 16
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $107.00 ▲(0.26% 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., 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.

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: 106.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 106.72 is above the 20-day moving average (MA) of 101.08, above the 50-day MA of 99.54, and above the 200-day MA of 84.97, indicating a bullish trend. The MACD of 1.24 indicates Negative momentum. The RSI at 66.89 is Neutral, neither overbought nor oversold. The STOCH value of 87.99 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
HSBC	78 Outperform	$247.11B	15.20	8.66%	4.55%	-9.54%	-22.46%
WFC	76 Outperform	$270.97B	14.22	11.56%	1.90%	-4.37%	26.41%
GS	76 Outperform	$244.50B	16.56	13.57%	1.67%	2.31%	44.49%
JPM	72 Outperform	$840.96B	15.30	16.35%	1.78%	1.89%	12.32%
BAC	70 Outperform	$388.42B	14.50	9.87%	2.02%	0.15%	33.84%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	67 Neutral	$184.63B	14.51	6.88%	2.17%	-0.62%	105.57%

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.