Citigroup Inc.

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Citigroup Inc. stock analysis C overview
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Citigroup Inc (C) Stock Price, Trades & News - GuruFocus

📈 Citigroup Inc. (NYSE: C) is currently trading at $127.98, representing a 0.29% increase.

🏦 The company operates as a global financial powerhouse orchestrating approximately $5 trillion in daily transaction volume.

💼 Citigroup serves 90% of Fortune 500 companies through a proprietary network spanning 94 countries across five operational segments.

📉 GuruFocus has detected one severe warning sign associated with the stock, urging users to check further details.

🔒 The firm employs over 226,000 people and maintains a strong market capitalization of $218.28 billion.

🏢 Its headquarters are located at 388 Greenwich Street in New York, NY.

📅 Key upcoming events include the third quarter earnings results and conference call scheduled for October 13, 2026.

💰 The company pays a quarterly dividend of $0.60 with a current yield of 1.83%.

📊 Citigroup holds a P/E ratio of 15.86 and a market value ranking within the top industry performers in many metrics.

⚠️ Financial strength metrics show mixed results, with cash-to-debt at 1.02 and equity-to-asset at 0.08.

📈 The 10-year performance shows a significant gain of +174.16% above recent lows.

🏆 Citigroup holds a Piotroski F-Score of 5/9 and a Moat Score of 7, indicating strong financial positioning.

🌐 The stock is listed on major indices including the S&P 500, Russell 1000, and Dow 30.

📉 Cash flow metrics show negative Free Cash Flow margins at -84.18% over recent periods.

🔄 Recent SEC filings include annual 10-K reports filed in November for each respective year shown.

Bullish Signals
  • Stock price has gained significantly over the past decade, with a 10-year return of +174.16% and trading above lows by +261.63%. This long-term momentum demonstrates strong investor confidence in Citigroup's recovery story.
  • Citigroup serves as a global financial powerhouse orchestrating $5 trillion in daily transaction volume and servicing 90% of the Fortune 500 through a proprietary network across 94 countries.
  • The company has successfully streamlined operations into five distinct segments including services, markets, banking, wealth, and US personal banking to improve organizational efficiency.
  • Citigroup maintains an impressive 18.19% net margin and has achieved profitability for 9 consecutive years within the past decade according to its financial strength metrics.
  • Momentum indicators show strong recent performance with a 12-month momentum of +65.85% and forward PE ratio of 11.81 suggesting attractive valuation compared to current PE of 15.86.
  • The company offers a 1.83% dividend yield with consistent shareholder returns supported by an average 3-year share buyback ratio of 3.4%.
  • GF Score™ ranks Citigroup at 79/100 indicating strong overall performance relative to peers across growth, profitability, and valuation criteria.
  • Moat Score of 7 and Tariff Resilience Score of 9 highlight the company's defensive characteristics and adaptability to geopolitical economic changes.
Risk Factors
  • GuruFocus has flagged one severe warning sign for Citigroup Inc, indicating potential underlying risks not immediately visible in the positive metrics.
  • The Forward Rate of Return (Yacktman) is -5.04%, suggesting poor long-term capital appreciation prospects based on current fundamentals.
  • Free Cash Flow Margin is severely negative at -84.18%, indicating the company is consuming significant cash relative to its revenue generation.
  • Operating metrics show a negative Free Cash Flow Yield of -33.97% and an EV-to-FCF multiple of -3.15, highlighting structural cash flow challenges.
  • Dividend Shareholder Yield stands at -8.57%, suggesting that shareholder returns via buybacks are insufficient or reversed by other factors.
  • The Piotroski F-Score is a modest 5/9, indicating the company has mixed fundamentals and only average financial strength relative to historical standards.
  • Cash-to-Debt ratio of 1.02 and Debt-to-Equity of 1.8 suggest significant leverage exposure relative to assets compared to industry peers where Cash-To-Debt is often higher or lower depending on sector norms.
  • Valuation appears stretched with a Shiller PE Ratio of 19.87 and EV-to-Forward-EBIT of 28.17, implying the stock trades at a premium to historical earnings multiples.
  • Momentum indicators are mixed with 3-1 Month Momentum % at -1.99% and GF Value Rank at 3/10 (Significantly Overvalued), suggesting recent price weakness relative to intrinsic value.
Full Analysis
Citigroup Inc (NYSE:C) is currently trading at $127.98, representing a slight increase of $0.37 or 0.29% as of 10:08 PM EST. The company maintains a market capitalization of $218.28 billion and an enterprise value of $233.35 billion. Valuation metrics indicate a P/E ratio of 15.86, a P/B ratio of 1.14, and a PEG ratio of 3.35. GuruFocus highlights a GF Score of 79 out of 100 for the stock and notes that while the current PE is 15.86, the forward PE ratio stands at 11.81. The company is characterized as a global financial powerhouse orchestrating $5 trillion in daily transaction volume, servicing 90% of Fortune 500 companies through a network spanning 94 countries with direct membership to over 270 cash-clearing centers. Citigroup's operations are organized into five segments: services, markets, banking, wealth, and US personal banking. Financial strength analysis shows a Piotroski F-Score of 5/9, a Moat Score of 7, and a Tariff Resilience Score of 9. The firm has a dividend yield of 1.83% with a payout ratio of 0.28 and a forward dividend yield estimated at 1.86%. Profitability metrics include a net margin of 18.19%, ROE of 7.55%, and ROA of 0.6%, though the FCF Margin is reported at -84.18% with an OCF Margin of -76.78%, leading to a GF Value Rank of 3/10 where the stock is considered significantly overvalued relative to a GF Value of $73.14. The company holds a growth rank of 9/10 and an industry rank of 22.82 for future earnings growth estimates. GuruFocus has detected one severe warning sign with Citigroup Inc, prompting users to try a 7-Day Free Trial for further details. Upcoming events include the second quarter earnings conference call scheduled for July 14, 2026, and results expected on the same date. A third quarter earnings call is set for October 13, 2026, with results to follow that day as well. The most recent cash dividend of USD 0.6000 was paid on May 4, 2026, with a general meeting scheduled for April 29, 2026. Historical filings indicate recent 10-K and 10-Q submissions for periods ending in late 2024 and late 2025, reflecting the company's ongoing disclosure to shareholders.