Stock Analysis
Citigroup Inc.C
P/E 11.68×· 5Y range 4.88–20.56×· 55th percentile of history
Sector: Financial Services · Industry: Banks
AnalystsStrong Buy28 analystsP/E 11.7× sits at the 55th percentile of its 5.089664613278576-year history.
PMP Verdict
Weak fundamentals
Risks
- Financial Health6
- Growth18
Weak fundamentals — valuation is the only support.
What's happening with C
Profile
moat, financial health, growth, earnings quality and valuation lag behind.
How is each axis scored?
- Valuation42/100 · Weak
- P/E vs own history (55th pct)12/25
- FCF yield (-11.8%)0/25
- P/S (2.3x)20/25
- EV/EBIT (n/a)10/25
- Growth18/100 · Weak
- Revenue CAGR (4.3%)6/25
- Net income CAGR (-10.2%)0/25
- EPS CAGR 5Y (-8.1%)0/25
- Fwd implied growth (9.4%)12/25
- Profitability57/100 · Moderate
- ROIC (2.7%)5/25
- ROE (8.4%)12/25
- Net margin (19.5%)20/25
- Operating margin (21.7%)20/25
- Financial Health6/100 · Weak
- Altman Z (0.23)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.2x)3/25
- Net cash / debt (n/a)0/25
- Quality37/100 · Weak
- Piotroski F (3/9)5/25
- Beneish M (-2.30)20/25
- FCF conversion (-137%)0/25
- Margin stability (σ 9.4%)12/25
- Moat5/100 · Weak
- ROIC >12% years (0/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (4/10 yrs)5/25
- Worst-year net margin (worst -9.5%)0/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
- ⚠Negative FCF margin (-0.3%) — burning cash
- ⚠Interest coverage 0.2× — thin debt cushion
About Citigroup Inc.
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. Show more
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.
Headquarters: NEW YORK, NY · Employees: 226,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
42D+P/E (TTM)11.7xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.9x–20.6x · 55th pct
P/FCF8.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield-11.8%D
Grade D: NegativeTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -79.0%–51.2% · 59th pct
P/S (TTM)2.28xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 0.9x–2.9x · 82nd pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.7xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.98xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.62A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.63%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio30.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC2.7%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE8.4%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.7%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin19.5%A
Grade A: HighNet Income / Revenue
Operating Margin21.7%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin-26.8%D
Grade D: LowFCF / Revenue
True FCF Margin-26.8%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
18ERevenue CAGR4.3%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-10.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-8.1%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth9.4%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-19.5%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
6EAltman Z-Score0.23D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.2xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity1.73xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
37DPiotroski F-Score3/9D
Grade D: WeakFinancial strength 0–9. >7 Strong
Beneish M-Score-2.30A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion-137.4%D
Grade D: PoorFCF / Net Income
Margin Stability9.4%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue6.8%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MOULDS JONATHAN PAUL Filed | MOULDS JONATHAN PAUL | Grant / award | +10 | |
MOULDS JONATHAN PAUL Filed | MOULDS JONATHAN PAUL | Grant / award | +236 | |
MOULDS JONATHAN PAUL Filed | MOULDS JONATHAN PAUL | Grant / award | +6 | |
von Koskull Casper Wilhelm Filed | von Koskull Casper Wilhelm | Grant / award | +27 | |
von Koskull Casper Wilhelm Filed | von Koskull Casper Wilhelm | Grant / award | +6 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
COLE TITILOPE Filed | COLE TITILOPE | Grant / award | +10 | |
COLE TITILOPE Filed | COLE TITILOPE | Grant / award | +6 | |
Dailey Grace E Filed | Dailey Grace E | Grant / award | +6 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
5EROIC >12% Years0/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years4/10 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor-9.5%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$10.63
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$123.49
Cash & short-term investments per share (Finnhub)
Book Value / Share$126.52
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$367.70B
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$212.29B
Shareholders' equity (book value)
Asset / Liability1.09xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$208.29B
Current Market Capitalization
Beta1.15B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Citigroup Inc. (C)
C is up 0.85% at the last close. Citigroup Inc. meets only 3 of 9 Piotroski F-Score criteria — a sign of weak underlying fundamentals. Altman Z-Score of 0.23 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.30 suggests a low likelihood of earnings manipulation.
- Free-cash-flow margin is negative (-27%) — the business currently burns cash.
- Interest coverage of 0.2× leaves little room for earnings shocks.
- Citigroup Inc. posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- The stock currently yields 2.6% in dividends.
See how C ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all C moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 13 | Regular | 125.61 | -4.78% | -3.48 |
| Oct 13 | After-hours | 125.05 | -5.21% | -3.81 |
| Sep 21 | Regular | 135.30 | +2.68% | 2.32 |
| Sep 21 | After-hours | 134.97 | +2.43% | 2.11 |
Frequently Asked Questions about C
What is the current Citigroup Inc. (C) stock price?
C is trading at $124.26 at the last market close, up 0.85% on the session. PreMarketPrice tracks C pre-market, intraday and after-hours prices.
Is C stock a buy right now?
PreMarketPrice's quantitative model rates Citigroup Inc.'s financial health at 6/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is C stock overvalued?
Citigroup Inc. trades at a trailing P/E of 11.7 and our valuation score rates it 42/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Citigroup Inc. report earnings?
No confirmed earnings date is currently scheduled for C. The Earnings section lists recent reports and updates as dates are announced.
What sector does Citigroup Inc. operate in?
Citigroup Inc. operates in the Financial Services sector, within the Banks industry. The Related Stocks section lists sector peers for comparison.
What does Citigroup Inc. do?
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.
About Citigroup Inc. (C) Stock
Citigroup Inc. (C) is a US-listed stock operating in the Financial Services sector, specifically the Banks industry. As of the latest update, Citigroup Inc. is trading at $124.26, up 0.85% on the day with a market capitalization of $208.3 billion. The financial health score for C is 6/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for C stock.
C Stock Analysis & Key Metrics
On PreMarketPrice, you can track Citigroup Inc. (C) across multiple dimensions:
- Pre-market price & movement: Real-time C stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for C with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Citigroup Inc. across multiple reporting periods.
- Financial health score: A composite score of 6/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for C.
- Sector peers: Compare C against 6 other financial services stocks on key financial metrics.
Is C a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Citigroup Inc. (C) as an investment. The financial health score of 6/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Citigroup Inc. (C) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.