Stock AnalizCitigroup Inc. C
Major Banks · data as of November 13, 2026
Citigroup Inc. (C) is a financial company listed in the US with a market value of about $205.3B. In the twelve months to September 30, 2026 it had revenue of $93.1B and net income of $17.9B, a net margin of 19.2%.
Its overall Stock Analiz score is 1.8 out of 5 (weak). The strongest part is value (4/5); the weakest is financial health (0/5).
Key numbers: a P/E of 12.2, 5-year revenue growth of 2% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 23% above the current price.
Score: 1.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- Profitable 5 years in a row
- Pays a dividend
- Share count down over 3 years (buybacks)
Checks not passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $93.1B | $85.2B | $80.7B | $78.1B | $75.3B | $71.9B | $75.5B | $75.1B | $72.9B | $72.4B | $70.8B |
| Net income | $17.9B | $14.3B | $12.7B | $9.2B | $14.8B | $22.0B | $11.0B | $19.4B | $18.0B | -$6.8B | $14.9B |
| Free cash flow | -$1.7B | -$74.2B | -$26.2B | -$80.0B | $19.4B | $43.0B | -$26.9B | -$18.2B | $33.2B | -$12.1B | $51.0B |
| EPS (diluted) | $10.15 | $6.99 | $5.94 | $4.04 | $7.00 | $10.14 | $4.72 | $8.04 | $6.68 | $-2.98 | $4.72 |
| Net margin | 19.2% | 16.8% | 15.7% | 11.8% | 19.7% | 30.5% | 14.6% | 25.8% | 24.8% | -9.4% | 21.1% |
| ROIC | — | — | — | — | — | — | 4.6% | 9.6% | 8.5% | 7.1% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 21 analysts is $150.60, 21% above the current price; targets range from $127.00 to $170.00; the consensus rating is “Buy”; expected EPS is $11.40 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Citigroup’s P/E ratio?
About 12.2, based on the last twelve months of diluted earnings per share (forward P/E about 10.3).
Is Citigroup stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 23% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Citigroup pay a dividend?
Yes. The dividend yield is about 2.16%, and it has paid dividends for 10 years in our data.
Is Citigroup a good stock to buy?
We do not give buy or sell advice. Citigroup scores 1.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.