XNYS · Banks - Diversified
Last stored close · Nov 10, 2026
Close · Nov 10, 2026
$122.27+0.25%
Model Target
available with Pro
Implied upside
vs the model target
Valuation methods
the methods behind the target
TickerWhale Score
37/100
Weak
Score components
TickerWhale View
Citigroup scores 37 out of 100 overall, which we rate weak. Valuation is its strongest area and Risk its weakest.
What helps
- Valuation
What to watch
- Technical
- Quality & growth
- Risk
Quality & growth
30%18Weak
- Revenue growth 3.7%
- EPS growth 36.8%
Valuation
25%68Positive
- P/E 12.9
- EV/Sales 3.4
Citigroup is a global financial powerhouse that orchestrates the movement of $5 trillion in daily transaction volume, serving as the essential connective tissue for the world's most complex multinational corporations. The firm remains a leader on the global stage, servicing 90% of the Fortune 500 through a proprietary network that includes direct membership to over 270 cash-clearing centers and a footprint that spans 94 countries. After a checkered history operating as an overly complex, disjointed firm, steps have been taken to streamline operations, resulting in organization across five segments: services, markets, banking, wealth, and US personal banking.
#56 by market cap in our coverage · ~226,000 employees · Listed 1986-06-02 · www.citigroup.com
Price history
Intraday to five-year windows are free with an account
Members switch between 1D, 1M, 6M, 1Y, 2Y and 5Y and see the live price. Signed out, this is the one-year stored series the technicals below are computed from.
Market intelligence
Peer position
#167 / 196sector rank by TickerWhale Score
TickerWhale Score 37 vs sector average 50.5 (-13.5)
Revenue growth (industry)Top 80%
Gross margin (industry)Top 100%
Return on equity (industry)Top 100%
P/E (industry)Pricier than 60%
Technical analysis
our read · what classic indicators sayTickerWhale technical read
35/100Weak vs universe
Ranks 35th of 100 covered names on our technical composite — the composite itself scores 45/100 · 25% of the TickerWhale Score
Classic chart indicators
Buy
3 buy · 1 sell · 4 neutral of 8 votes
TickerWhale rates C's technical setup weak — 35th percentile of the covered universe. Classic chart indicators lean buy — they read this stock on its own over days, where our score ranks it against every covered name over months, so the two often part company.
Moving averages
0 / 9constructive
- vs 200-day-3.6%
- vs 50-day-4.9%
Momentum
Mixed
- RSI (14)46 · neutral
- Stochasticbuy
- CCIneutral
- Williams %Rneutral
Trend
Mixed
- ADX (14) trend strength20· weak trend
- MACD (12,26,9)buy(histogram 0.189)
How the classic verdict is reached
Moving averages (9) agree on sell — 0 buy vs 6 sell — and carry one vote between them.
Oscillators (7) vote individually: 3 buy · 0 sell · 4 neutral.
Result — 3 buy vs 1 sell of 8 votes = Buy. Neutral votes never decide the verdict.
Fundamentals & valuation
2026-11-10 · revised_latestValuation multiples
- P/E (TTM)12.9
- P/S (TTM)1.2
- P/B1.0
- EV/EBITDA—
- EV/Sales3.4
- PEG0.35
Profitability & returns
- Gross margin52.3%
- Net margin9.5%
- ROE7.8%
- Debt/Equity1.90
Growth
- Revenue growth (YoY)3.7%
- EPS growth (YoY)36.8%
Green favourable · red stretched — multiples and D/E vs industry peers, margins and growth vs absolute thresholds.
Market capitalisation — $212.2B
Fundamentals history
Reported statement totals across recent periods.
| Metric | Dec '25 | Dec '24 | Dec '23 |
|---|---|---|---|
| Revenue | $85.2B | $80.7B | $78.1B |
| Gross profit | $75.0B | $70.6B | $68.9B |
| Operating income | $19.8B | $17.0B | $12.9B |
| Net income | $14.3B | $12.7B | $9.2B |
| EPS (diluted) | $6.99 | $5.94 | $4.04 |
| Free cash flow | -$74.1B | -$25.9B | -$79.9B |
| Cash | $349.6B | $276.5B | $260.9B |
| Total debt | $715.8B | $590.6B | $602.2B |
| Equity | $212.3B | $208.6B | $205.5B |
| Net debt | $366.2B | $314.0B | $341.3B |
| Debt / equity | 3.37 | 2.83 | 2.93 |
| Liabilities / assets | 0.92 | 0.91 | 0.91 |
Fundamentals are stored revised/latest (ADR-009): each period reflects the most recent vendor refresh, NOT point-in-time as-reported values. Do not use this series to claim what was known on a past date.
Model Target
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Peers
| Company | Score | Pulse | P/E | P/E fwd | P/B | EV/Sales | Price | Chg | Estimate | Upside | Rev. gr. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| CCurrentCitigroup | 37 | 45 | 12.9 | — | 1.0 | 3.4 | $122.27 | +0.25% | +3.7% | ||
| WTMWhite Mountains Insurance Group | 89 | 74 | 5.0 | — | 1.0 | 1.6 | $2,280.00 | +1.05% | +55.5% | ||
| JXNJackson Financial Inc - | 81 | 78 | 164.4 | — | 1.0 | 1.1 | $138.01 | +1.84% | +15.1% | ||
| ALLAllstate Corp (The) | 80 | 73 | 5.1 | — | 2.0 | 1.1 | $261.12 | +2.89% | +5.9% | ||
| FHIFederated Hermes Inc - | 79 | 81 | 12.0 | — | 3.8 | 2.5 | $65.53 | +0.89% | +15.0% | ||
| AMGAffiliated Managers Group | 76 | 81 | 12.6 | — | 3.6 | 5.9 | $401.32 | +4.74% | +11.8% |
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