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Upturn AI SWOT - About
C 
Citigroup Inc (C)
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Upturn Advisory Summary
09/16/2025: C (5-star) is a STRONG-BUY. BUY since 88 days. Simulated Profits (35.23%). 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 $101.69
1 Year Target Price $101.69
| 10 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 71.27% | Avg. Invested days 54 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 183.70B USD | Price to earnings Ratio 14.68 | 1Y Target Price 101.69 |
Price to earnings Ratio 14.68 | 1Y Target Price 101.69 | ||
Volume (30-day avg) 22 | Beta 1.4 | 52 Weeks Range 54.71 - 100.85 | Updated Date 09/15/2025 |
52 Weeks Range 54.71 - 100.85 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.25% | Basic EPS (TTM) 6.8 |
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 14.68 | Forward PE 10.08 | Enterprise Value -11239798784 | Price to Sales(TTM) 2.52 |
Enterprise Value -11239798784 | Price to Sales(TTM) 2.52 | ||
Enterprise Value to Revenue 6.87 | Enterprise Value to EBITDA - | Shares Outstanding 1840899968 | Shares Floating 1835430431 |
Shares Outstanding 1840899968 | Shares Floating 1835430431 | ||
Percent Insiders 0.24 | Percent Institutions 79.73 |
Upturn AI SWOT
Citigroup Inc
Company Overview
History and Background
Citigroup Inc. traces its roots back to 1812 with the founding of City Bank of New York, later Citibank. It evolved through numerous mergers and acquisitions, including the 1998 merger of Citicorp and Travelers Group, becoming a global financial services powerhouse. Significant milestones include expanding internationally and navigating financial crises.
Core Business Areas
- Institutional Clients Group (ICG): Provides a wide array of financial 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 retail banking services, including checking and savings accounts, loans, and investment products to individual clients. Also provides wealth management services to high-net-worth individuals.
- Legacy Franchises: Represents businesses Citi is actively divesting, including consumer banking operations in select international markets.
Leadership and Structure
Citigroup Inc. is led by CEO Jane Fraser. The organizational structure includes various business units, each headed by a senior executive. The Board of Directors provides oversight and governance.
Top Products and Market Share
Key Offerings
- Investment Banking: Provides advisory services for mergers and acquisitions, underwriting of debt and equity securities, and other capital markets activities. Competitors include Goldman Sachs (GS), JPMorgan Chase (JPM), and Morgan Stanley (MS). Market share varies by deal volume and region but is consistently a top-tier competitor.
- Treasury and Trade Solutions: Offers cash management, trade finance, and securities services to corporate clients. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and HSBC (HSBC). Market share positions Citi as a global leader in this space.
- Credit Cards: Offers a range of credit card products. Competitors include American Express (AXP), JPMorgan Chase (JPM), and Capital One (COF). Market share is significant but varies depending on the specific card product and region.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to significant regulatory oversight. It is influenced by economic conditions, interest rates, and technological advancements. The industry is currently undergoing digital transformation and grappling with increased cybersecurity threats.
Positioning
Citigroup Inc. is a global financial services company with a strong presence in institutional and consumer banking. Its competitive advantages include its global reach, diverse product offerings, and established brand reputation.
Total Addressable Market (TAM)
The global financial services market is valued in the trillions of dollars. Citigroup is positioned to capture a significant share of this TAM through its diverse businesses and global footprint.
Upturn SWOT Analysis
Strengths
- Global Presence
- Diverse Product Offerings
- Strong Brand Reputation
- Extensive Client Base
- Technological Innovation
Weaknesses
- Complex Organizational Structure
- History of Regulatory Issues
- Exposure to Global Economic Fluctuations
- Legacy Systems
- Restructuring Initiatives
Opportunities
- Expansion into Emerging Markets
- Increased Digitalization
- Growth in Wealth Management
- Strategic Acquisitions
- Investment in Sustainable Finance
Threats
- Increased Competition
- Regulatory Changes
- Cybersecurity Risks
- Economic Downturns
- Geopolitical Instability
Competitors and Market Share
Key Competitors
- JPM
- BAC
- GS
- MS
Competitive Landscape
Citigroup Inc. faces intense competition from other large financial institutions. Its advantages include its global reach and diverse product offerings. Disadvantages may include legacy systems and regulatory challenges.
Major Acquisitions
Egg Banking
- Year: 2007
- Acquisition Price (USD millions): 1600
- Strategic Rationale: Expanded Citi's credit card presence in the UK.
Growth Trajectory and Initiatives
Historical Growth: Discuss Citigroup Inc's growth trends over the past years.
Future Projections: Provide projections for Citigroup Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Citigroup Inc.
Summary
Citigroup is a global financial services leader with a strong brand and diverse offerings. It has been undergoing restructuring to improve efficiency and profitability. The company faces challenges related to regulatory oversight and competition but also has opportunities for growth in emerging markets and digital banking. Investors should closely monitor its restructuring efforts and global economic conditions. While not the current market share leader, the moves it's making have positioned the company well to grow into the future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market 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 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.
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