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Upturn AI Summary - About
Citigroup Inc.(C)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for C
09/24/2026: C (5-star) is currently NOT-A-BUY. Pass it for now.
Citigroup Inc. is a major global financial services firm that operates through a vast international network. The company is currently mid-transformation, focusing on its core institutional strengths and simplifying its organizational structure to improve efficiency and returns. Its main strength lies in its unique global footprint, while its primary challenge involves managing high regulatory costs and historical organizational complexity. The stock may appeal to value-oriented and dividend-seeking investors who are patient with the company’s multi-year restructuring efforts. Key developments to monitor include progress on the organizational simplification plan, efficiency improvements, and the eventual resolution of outstanding regulatory consent orders.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is moderate as the company focuses on internal restructuring rather than aggressive expansion. |
| Momentum investor | Mixed fit | Momentum is highly conditional on successful execution of the current organizational simplification plan. |
| Value investor | Strong fit | The stock often trades at a discount to tangible book value, attracting value-oriented investors. |
| Dividend investor | Strong fit | Citigroup offers a reliable dividend yield that appeals to income-focused portfolios. |
| Low-risk investor | Weak fit | Regulatory risks and complex international operations create volatility that may not suit low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is sensitive to macroeconomic data and interest rate policy shifts. |
| Valuation risk | Medium | While often discounted, valuation remains sensitive to tangible book value growth. |
| Competition risk (banking) | High | Incumbent banks and fintechs continuously challenge market share in retail and payment services. |
| Business quality | Medium | The franchise is strong, but historical complexity has impacted overall operating efficiency. |
| Dividend income | Medium / high | Capital return is subject to regulatory stress test results and capital adequacy requirements. |
| Execution risk | High | Successful transformation of the business structure is essential for long-term shareholder value creation. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 95.07% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 221.30B USD | Price to earnings Ratio 14.26 | 1Y Target Price 154.7 |
Price to earnings Ratio 14.26 | 1Y Target Price 154.7 | ||
Volume (30-day avg) 9.4M shares | Beta 1.1 | 52 Weeks Range 91.72 - 147.21 | Updated Date 09/24/2026 |
52 Weeks Range 91.72 - 147.21 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 1.81% | Basic EPS (TTM) 9.25 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Institutional Clients Group | Treasury and Trade Solutions, Markets, and Investment Banking services. | This is the engine of the company, serving large corporations and governments worldwide. |
| Personal Banking & Wealth | U.S. retail credit cards and global wealth management advisory services. | This segment interacts directly with individuals through banking and wealth management products. |
| Geography (International) | Presence in over 160 countries supporting global trade and corporate finance. | Their global network is the primary differentiator for international corporate clients. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 14.26 | Forward PE 10.2 | Enterprise Value 29.19B | Price to Sales(TTM) 2.71 |
Enterprise Value 29.19B | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 7.05 | Enterprise Value to EBITDA - | Shares Outstanding 1.68B | Shares Floating 1.67B |
Shares Outstanding 1.68B | Shares Floating 1.67B | ||
Percent Insiders 0.27 | Percent Institutions 82.09 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
News (Last Updated: 09/25/2026)
About Citigroup Inc.
Exchange NYSE | Headquarters New York, NY, United States | ||
IPO Launch date 1977-01-03 | CEO & Chair of the Board Ms. Jane Nind Fraser Ph.D. | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 219000 | Website https://www.citigroup.com |
Full time employees 219000 | Website https://www.citigroup.com | ||
Citigroup Inc., a diversified financial service holding company, provides various financial products 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.
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