Stocks · Financial Services · Banks - Diversified
Citigroup Inc. C
$128.50 +1.18% Close, Oct 2, 2026 · NYSE · Market cap $220.37B
High risk
Next earnings report: Oct 13, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 8.3% in a year, mainly through buybacks.
- Net debt is 15.3× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $9.26, up 36.8% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth77Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 40%
- EPS growth (TTM, YoY)Top 29%
- Revenue growth, 3-year CAGRTop 35%
- Revenue growth accelerationTop 29%
Quality14Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 46%
- Gross marginBottom 19%
- Operating marginBottom 31%
- Cash conversion (OCF / net income)Bottom 7%
- Accruals (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Bottom 7%
- Interest coverBottom 17%
Value33Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 45%
- Free-cash-flow yieldBottom 9%
- EBITDA / enterprise valueBottom 37%
- Sales / enterprise valueBottom 38%
- P/E vs own 5-year history (lower is better)Bottom 45%
Momentum66Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 16%
- 6-month returnTop 36%
- 1-year return vs S&P 500Top 20%
- Distance from 52-week highBottom 39%
- Trend checklist (0–4)Top 48%
Revisions58Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 33%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 36%
- Upside to consensus price targetTop 42%
Stability12Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 31%
- Maximum drawdown, 3 yearsBottom 44%
- Beta vs S&P 500 (lower is better)Bottom 7%
- Net debt / EBITDA (lower is better)Bottom 7%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1.9% | 3.8% | ↑ |
| EPS growth (YoY) | 27.5% | 36.8% | ↑ |
| Gross margin | 43.1% | 46.6% | ↑ |
| Operating margin | 11.2% | 14.2% | ↑ |
| FCF margin | -55.8% | -14.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.8% | 1.9% | ↑ | Bottom 40% |
| EPS growth (TTM, YoY) | 36.8% | 27.5% | ↑ | Top 29% |
| Gross margin | 46.6% | 43.1% | ↑ | Bottom 19% |
| Operating margin | 14.2% | 11.2% | ↑ | Bottom 31% |
| Net margin | 10.2% | 8.4% | ↑ | — |
| Free-cash-flow margin | -14.1% | -55.8% | ↑ | — |
| Return on invested capital | 1.7% | — | Top 46% | |
| Revenue growth, 3-year CAGR | 18.9% | — | Top 35% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -1.03×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +25.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 15.33×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.47%
- Net buyback yield (TTM)
- 8.53%
- Shareholder yield
- 11.00%
- Share count change, 1 year
- -8.3%
- Share count change, 3-year CAGR
- -4.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +1.2%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $151.08
- Target vs current price
- +17.6%
- Analysts with a rating
- 27
- Share rating Buy or Strong Buy
- 59%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 14, 2026 | +15.8% | -5.3% | -8.5% | -3.9% | — |
| Apr 14, 2026 | +15.5% | +2.6% | +5.4% | -0.3% | +10.5% |
| Jan 21, 2026 | -33.9% | +0.9% | +1.8% | +3.1% | +14.7% |
| Nov 6, 2025 | +7.5% | -0.8% | +1.2% | +6.0% | +15.8% |
| Jul 15, 2025 | +18.1% | +3.7% | +5.9% | +5.5% | +11.8% |
| Apr 15, 2025 | +5.9% | +1.8% | +2.1% | +19.5% | +37.2% |
| Jan 15, 2025 | +10.7% | +6.5% | +11.1% | +10.6% | -16.2% |
| Oct 15, 2024 | +15.3% | -5.1% | -6.3% | +5.7% | +8.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 14, 2026 | $3.15 | $2.72 | +15.8% | $24.77B |
| Apr 14, 2026 | $3.06 | $2.65 | +15.5% | $24.63B |
| Jan 21, 2026 | $1.19 | $1.80 | -33.9% | $19.87B |
| Nov 6, 2025 | $1.86 | $1.73 | +7.5% | $22.09B |
| Jul 15, 2025 | $1.96 | $1.66 | +18.1% | $21.67B |
| Apr 15, 2025 | $1.96 | $1.85 | +5.9% | $21.60B |
| Jan 15, 2025 | $1.34 | $1.21 | +10.7% | $19.59B |
| Oct 15, 2024 | $1.51 | $1.31 | +15.3% | $20.27B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.9× | 11.3× | 62th | Top 45% |
| P/E (forward) | 11.5× | — | — | — |
| EV / EBITDA | 22.9× | — | — | Bottom 37% |
| EV / Sales | 3.83× | — | — | Bottom 38% |
| Free-cash-flow yield | -11.12% | — | — | Bottom 9% |
| Earnings yield | 7.21% | — | — | Top 45% |
P/E over the past five years
Range 5.9× – 19.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +30.2%
- Earnings per share growth (TTM)
- +36.8%
- Change in P/E multiple
- +6.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 363
- 50-day average slope (20 days)
- -1.1%
- 200-day average slope (20 days)
- +2.3%
- Distance from 50-day average
- -4.1%
- Distance from 200-day average
- +2.1%
- RSI (14)
- 39.3
- Relative volume
- 0.76×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 27.1%
- Volatility vs own 5-year history
- 50th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.48
- Correlation with S&P 500
- 0.70
- Current drawdown from 1-year high
- -11.8%
- Maximum drawdown, 3 years
- -31.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 2, 2021 | Oct 27, 2023 | -52.1% | 606 days | 306 days (Jan 17, 2025) |
| Feb 18, 2025 | Apr 4, 2025 | -31.3% | 33 days | 58 days (Jun 30, 2025) |
| Jan 14, 2021 | Jan 29, 2021 | -16.0% | 10 days | 20 days (Mar 1, 2021) |
| Feb 9, 2026 | Mar 12, 2026 | -14.8% | 22 days | 19 days (Apr 9, 2026) |
| Jun 22, 2026 | Oct 1, 2026 | -12.8% | 71 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $220.37B
- P/E (TTM)
- 13.9
- EPS, diluted (TTM)
- $9.26
- Revenue (TTM)
- $174.24B
- Dividend yield
- 1.92%
- 52-week range
- $93.66 – $147.96
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $79.87B | $100.22B | $155.38B | $170.71B | $168.28B |
| Gross profit | $75.78B | $69.37B | $67.90B | $71.12B | $75.05B |
| Operating income | $27.47B | $18.81B | $12.91B | $17.05B | $19.83B |
| Net income | $21.95B | $14.85B | $9.23B | $12.68B | $14.31B |
| EPS (diluted) | $10.14 | $7.00 | $4.04 | $5.95 | $6.99 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $43.36B | $40.90B | $41.26B | $42.34B | $43.84B | $40.65B | $44.44B | $45.30B |
| Net income | $3.24B | $2.86B | $4.06B | $4.02B | $3.75B | $2.47B | $5.79B | $5.83B |
| EPS (diluted) | $1.51 | $1.34 | $1.96 | $1.96 | $1.86 | $1.19 | $3.06 | $3.15 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $47.09B | $25.07B | -$73.42B | -$19.67B | -$67.63B |
| Capital expenditure | -$4.12B | -$5.63B | -$6.58B | -$6.50B | -$6.52B |
| Free cash flow | $42.97B | $19.44B | -$80.00B | -$26.17B | -$74.15B |
| Dividends paid | -$5.20B | -$5.00B | -$5.21B | -$5.20B | -$5.37B |
| Net share buybacks | -$8.09B | -$3.25B | -$3.38B | -$2.24B | -$11.06B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $996.75B
- Total assets
- $2.89T
- Total liabilities
- $2.68T
- Total debt
- $813.85B
- Net debt
- $447.44B
- Shareholders’ equity
- $212.01B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.67 | Aug 28, 2026 |
| May 4, 2026 | $0.60 | May 22, 2026 |
| Feb 2, 2026 | $0.60 | Feb 27, 2026 |
| Nov 3, 2025 | $0.60 | Nov 26, 2025 |
| Aug 4, 2025 | $0.60 | Aug 22, 2025 |
| May 5, 2025 | $0.56 | May 23, 2025 |
| Feb 3, 2025 | $0.56 | Feb 28, 2025 |
| Nov 4, 2024 | $0.56 | Nov 22, 2024 |
Short interest
- Shares sold short
- 24,673,143
- Days to cover
- 2.85
- Change vs previous report
- -5.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 9, 2011
- 1-for-10
- Aug 28, 2000
- 4-for-3
- Jun 1, 1999
- 3-for-2
- Nov 20, 1997
- 3-for-2
- Nov 25, 1996
- 4-for-3