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Upturn AI SWOT - About
C 
Citigroup Inc (C)
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Upturn Advisory Summary
07/15/2025: C (5-star) is a STRONG-BUY. BUY since 44 days. Profits (21.11%). 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 $87.38
1 Year Target Price $87.38
| 10 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.41% | Avg. Invested days 48 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 163.43B 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 - 91.80 | Updated Date 07/15/2025 |
52 Weeks Range 52.26 - 91.80 | Updated Date 07/15/2025 | ||
Dividends yield (FY) 2.63% | Basic EPS (TTM) 6.33 |
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 11.75 | Enterprise Value 9006490624 | Price to Sales(TTM) 2.28 |
Enterprise Value 9006490624 | Price to Sales(TTM) 2.28 | ||
Enterprise Value to Revenue 6.43 | Enterprise Value to EBITDA - | Shares Outstanding 1867730048 | Shares Floating 1862242543 |
Shares Outstanding 1867730048 | Shares Floating 1862242543 | ||
Percent Insiders 0.24 | Percent Institutions 79.52 |
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 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.
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 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
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
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
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.
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 229000 | Website https://www.citigroup.com |
Full time employees 229000 | 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.
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