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Citigroup Inc (C)

Upturn stock ratingUpturn stock rating
$85.79
Last Close (24-hour delay)
Profit since last BUY14.52%
upturn advisory
Strong Buy
BUY since 40 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
  • Profit
  • Loss
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

07/09/2025: C (4-star) is a STRONG-BUY. BUY since 40 days. Profits (14.52%). Updated daily EoD!

Upturn Star Rating

rating

Above Average Performance

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Number of Analysts

rating

22 Analysts rated it

Well-followed company, solid analyst reports, reliable data for confident investing.

1 Year Target Price $87.38

1 Year Target Price $87.38

Analysts Price Target For last 52 week
$87.38 Target price
52w Low $52.26
Current$85.79
52w High $88.83

Analysis of Past Performance

Type Stock
Historic Profit 45.07%
Avg. Invested days 47
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/09/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 163.61B USD
Price to earnings Ratio 13.82
1Y Target Price 87.38
Price to earnings Ratio 13.82
1Y Target Price 87.38
Volume (30-day avg) 22
Beta 1.31
52 Weeks Range 52.26 - 88.83
Updated Date 07/9/2025
52 Weeks Range 52.26 - 88.83
Updated Date 07/9/2025
Dividends yield (FY) 2.63%
Basic EPS (TTM) 6.19

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date 2025-07-15
When Before Market
Estimate 1.61
Actual -

Profitability

Profit Margin 18.62%
Operating Margin (TTM) 28.7%

Management Effectiveness

Return on Assets (TTM) 0.54%
Return on Equity (TTM) 6.44%

Valuation

Trailing PE 13.82
Forward PE 11.86
Enterprise Value 9006490624
Price to Sales(TTM) 2.28
Enterprise Value 9006490624
Price to Sales(TTM) 2.28
Enterprise Value to Revenue 6.45
Enterprise Value to EBITDA -
Shares Outstanding 1867730048
Shares Floating 1862242543
Shares Outstanding 1867730048
Shares Floating 1862242543
Percent Insiders 0.24
Percent Institutions 79.52

ai summary icon Upturn AI SWOT

Citigroup Inc

stock logo

Company Overview

overview logo History and Background

Citigroup Inc. was formed in 1998 from the merger of Citicorp and Travelers Group. Citicorp traces its roots back to the City Bank of New York, founded in 1812. Travelers Group was a financial services conglomerate. The merger created a global financial services giant.

business area logo Core Business Areas

  • Institutional Clients Group (ICG): Provides wholesale banking products and services to corporations, governments, and institutional investors globally. Includes investment banking, global markets, treasury and trade solutions, and securities services.
  • Personal Banking and Wealth Management (PBWM): Offers a range of banking and investment services to individual clients, including retail banking, wealth management, and Citi-branded cards.
  • Legacy Franchises: Represents businesses that Citigroup has been in the process of divesting. Includes consumer banking businesses in various regions.

leadership logo Leadership and Structure

Jane Fraser is the CEO of Citigroup. The company operates with a global organizational structure, divided into business segments and geographic regions. Board of Directors oversees strategic direction.

Top Products and Market Share

overview logo Key Offerings

  • Investment Banking: Provides advisory services, underwriting, and capital markets solutions to corporations and institutions. Competitors include Goldman Sachs (GS), JPMorgan Chase (JPM), and Morgan Stanley (MS). Market share fluctuates depending on deal flow but is generally a top-tier player in global investment banking.
  • Treasury and Trade Solutions (TTS): Offers cash management, trade finance, and working capital solutions to corporations and institutions globally. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and HSBC. Citigroup is a leader in cross-border payments and trade finance.
  • Wealth Management: Citigroup Global Wealth Management offers banking and investment services to individuals, families and businesses. Key competitor are Morgan Stanley, JP Morgan and UBS.

Market Dynamics

industry overview logo Industry Overview

The financial services industry is highly competitive and subject to regulatory changes, economic cycles, and technological disruption. Key trends include digitalization, increasing regulatory scrutiny, and consolidation.

Positioning

Citigroup is a global financial services company with a strong presence in investment banking, treasury and trade solutions, and wealth management. It differentiates itself through its global network and expertise.

Total Addressable Market (TAM)

The global financial services market is estimated to be worth trillions of dollars. Citigroup is positioned to capture a significant share of the TAM by leveraging its global presence and diverse product offerings.

Upturn SWOT Analysis

Strengths

  • Global presence and network
  • Strong brand reputation
  • Diversified business model
  • Experienced management team
  • Strong capital position

Weaknesses

  • Complex organizational structure
  • Legacy issues from past acquisitions
  • Exposure to regulatory fines and penalties
  • Inconsistent profitability
  • Operational inefficiencies

Opportunities

  • Growth in emerging markets
  • Expansion of digital banking services
  • Increased demand for wealth management
  • Strategic acquisitions
  • Divestiture of non-core assets

Threats

  • Economic downturns
  • Increased competition
  • Regulatory changes
  • Geopolitical risks
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • JPM
  • BAC
  • GS
  • MS

Competitive Landscape

Citigroup faces intense competition from other global banks and financial institutions. Its competitive advantages include its global network, strong brand, and diversified product offerings. However, it also faces challenges related to its complex structure and legacy issues.

Major Acquisitions

Egg Banking plc

  • Year: 2007
  • Acquisition Price (USD millions): 1600
  • Strategic Rationale: Expand Citigroup's credit card business in the UK. However, it was later sold.

Growth Trajectory and Initiatives

Historical Growth: Citigroup's growth has been influenced by acquisitions, divestitures, and organic expansion. Past performance is not indicative of future results.

Future Projections: Analyst estimates vary, but generally project moderate growth for Citigroup, driven by its core businesses and cost-cutting initiatives.

Recent Initiatives: Recent initiatives include simplifying the organizational structure, investing in technology, and divesting non-core assets.

Summary

Citigroup is a global financial services company with a strong presence in key markets. Its diversified business model and global network are advantages, but it also faces challenges related to its complexity and legacy issues. Recent initiatives to simplify the organization and invest in technology could improve its long-term prospects. Investors should monitor regulatory developments, economic conditions, and competitive dynamics.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Citigroup Investor Relations
  • SEC Filings (10-K, 10-Q)
  • Financial News Outlets (e.g., Bloomberg, Reuters)
  • Analyst Reports
  • Company Press Releases

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data and analyst estimates are subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Citigroup Inc

Exchange NYSE
Headquaters New York, NY, United States
IPO Launch date 1977-01-03
CEO & Director Ms. Jane Nind Fraser Ph.D.
Sector Financial Services
Industry Banks - Diversified
Full time employees 229000
Full time employees 229000

Citigroup Inc., a diversified financial service holding company, provides various financial product and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.