Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
C 
Citigroup Inc (C)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: C (5-star) is a STRONG-BUY. BUY since 76 days. Profits (30.10%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $100.58
1 Year Target Price $100.58
| 10 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 64.77% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 178.24B USD | Price to earnings Ratio 14.3 | 1Y Target Price 100.58 |
Price to earnings Ratio 14.3 | 1Y Target Price 100.58 | ||
Volume (30-day avg) 22 | Beta 1.37 | 52 Weeks Range 54.51 - 97.49 | Updated Date 08/28/2025 |
52 Weeks Range 54.51 - 97.49 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.31% | Basic EPS (TTM) 6.77 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.47% | Operating Margin (TTM) 27.65% |
Management Effectiveness
Return on Assets (TTM) 0.57% | Return on Equity (TTM) 6.76% |
Valuation
Trailing PE 14.3 | Forward PE 12.97 | Enterprise Value -16707265536 | Price to Sales(TTM) 2.45 |
Enterprise Value -16707265536 | Price to Sales(TTM) 2.45 | ||
Enterprise Value to Revenue 6.82 | Enterprise Value to EBITDA - | Shares Outstanding 1840899968 | Shares Floating 1835430431 |
Shares Outstanding 1840899968 | Shares Floating 1835430431 | ||
Percent Insiders 0.24 | Percent Institutions 79.78 |
Upturn AI SWOT
Citigroup Inc
Company Overview
History and Background
Citigroup Inc. was formed in 1998 from the merger of Citicorp and Travelers Group. Citicorp traces its roots to the City Bank of New York, founded in 1812, while Travelers Group's history includes insurance and investment banking. The merger created a financial services giant, weathering numerous economic cycles and regulatory changes.
Core Business Areas
- Institutional Clients Group (ICG): Offers a wide array of financial products and services to corporations, governments, and institutional investors globally. This includes banking, markets, security services, and transaction services.
- Personal Banking and Wealth Management (PBWM): Provides banking, investment, and lending services to individual customers, along with wealth management solutions for high-net-worth individuals.
Leadership and Structure
Citigroup is led by CEO Jane Fraser. The organizational structure comprises various business segments, regional operations, and support functions overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Treasury and Trade Solutions (TTS): Provides cash management, trade finance, and securities services to multinational corporations and financial institutions. Competitors include JPMorgan Chase, Bank of America, and HSBC. Market share data fluctuates but Citi is a significant player.
- Investment Banking: Offers advisory services on mergers and acquisitions, underwriting of debt and equity securities, and other financial transactions. Competitors include Goldman Sachs, Morgan Stanley, and JPMorgan Chase. Revenue varies based on market conditions.
- Wealth Management: Provides personalized financial advice, investment management, and estate planning services to high-net-worth individuals and families. Competitors include Morgan Stanley, UBS, and Bank of America. Revenue varies based on AUM and client activity.
Market Dynamics
Industry Overview
The financial services industry is characterized by intense competition, evolving regulatory landscapes, and technological advancements. Interest rates, economic growth, and geopolitical events heavily influence performance.
Positioning
Citigroup is a global financial services firm with a strong presence in both developed and emerging markets. Its competitive advantage lies in its global network, diverse product offerings, and established relationships with large corporations and institutions.
Total Addressable Market (TAM)
The global financial services market is estimated to be in the trillions of dollars. Citigroup is well-positioned to capture a significant portion of this TAM through its various business lines and global reach.
Upturn SWOT Analysis
Strengths
- Global Presence
- Diverse Product Portfolio
- Strong Brand Recognition
- Established Relationships with Corporations and Institutions
- Large Customer Base
Weaknesses
- Regulatory Scrutiny
- Complex Organizational Structure
- Past Compliance Issues
- Profitability Lags Some Competitors
- Sensitivity to Economic Cycles
Opportunities
- Expansion in Emerging Markets
- Growth in Digital Banking
- Increased Demand for Wealth Management Services
- Strategic Acquisitions
- Technological Innovation
Threats
- Increased Competition
- Economic Downturns
- Regulatory Changes
- Geopolitical Instability
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- GS
- MS
Competitive Landscape
Citigroup faces intense competition from other large financial institutions. It competes on price, product offerings, and service quality. Citigroup's global network is a key advantage, but regulatory hurdles and past compliance issues remain challenges.
Major Acquisitions
Egg Banking
- Year: 2007
- Acquisition Price (USD millions): 1600
- Strategic Rationale: Expanded Citigroup's credit card business in the UK.
Growth Trajectory and Initiatives
Historical Growth: Requires data retrieval from financial statements.
Future Projections: Requires analyst estimates.
Recent Initiatives: Review recent Citigroup press releases and investor presentations.
Summary
Citigroup is a global financial services giant with a strong global presence, but it grapples with profitability challenges compared to peers. Its diverse product portfolio and institutional client base are strengths. Regulatory scrutiny and economic sensitivity remain key concerns and should be looked out for.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Financial News Outlets
- Market Research Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and after consulting with a qualified financial advisor. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 230000 | Website https://www.citigroup.com |
Full time employees 230000 | Website https://www.citigroup.com | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.