C Financial Services

Citigroup Inc.

$122.71-0.32%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Diversified
Country: United States
Market cap: 203.1B USD
Full-time employees: 217,000

Overall health

Strength: growing faster than most peersgrowing faster than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: less profitable than most peersless profitable than peers

Ranks #295 of 791 banks & insurance companies (top 38%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

More volatile share price. Beta 1.15: tends to move more than the market.
Citigroup's shares have swung more with the market than most peers' (beta 1.15, above the market's 1.0).

StockQuotient Score

56/ 100

Oct 5 55 → Nov 4 56 (+1)

Valuation

Is the price right?

67/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Stronger than most peers on:

▲ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield103.4%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.84Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.7%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.32Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield53.9%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield-12.0%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingNegative (a loss or cash outflow), so it counts as zero whatever the share priceInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

76/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 3.5%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth38.1%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 1.24Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth5.7%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth10.2%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

25/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROA
▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.6%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.89Sector median: 0.0117 · MAD: 0.0062

Return on equity8.4%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.60Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating margin117.9%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Citigroup

Is Citigroup getting weaker?: Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is unchanged at 56/100 since Oct 28, 2026.
How is Citigroup valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 67/100 against 950 banks & insurance peers. Book yield 103.4% vs a peer median of 79.5% (stronger than 71% of peers).Book yield 103.4% vs peers 79.5% (stronger than 71% of peers).
Is Citigroup growing?: Yes, faster than most of its peers. Growth scores 76/100 against 950 banks & insurance peers. Earnings per share growth 38.1% vs a peer median of 16.0% (stronger than 76% of peers).Earnings per share growth 38.1% vs peers 16.0% (stronger than 76% of peers).
How profitable is Citigroup?: Less profitable than most of its peers. Profitability scores 25/100 against 950 banks & insurance peers. Return on assets 0.6% vs a peer median of 1.2% (weaker than 74% of peers).Return on assets 0.6% vs peers 1.2% (weaker than 74% of peers).
How risky is Citigroup?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	88.3B USD	91.4B USD	+3.5%
Net income (12 months)	16.0B USD	17.8B USD	+11.3%
Operating margin	119.5%	117.9%	−1.7 pts
Free cash flow (12 months)	−37.2B USD	−24.5B USD	−34.1%
Debt	379.6B USD	402.7B USD	+6.1%
Cash	385.7B USD	366.4B USD	−5.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Banks & Insurance · 209 companies

Valuations in Banks & Insurance are within their usual range since 2016.

55% of months since 2016 were valued lower than now.
27% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +25% and earnings +33% (medians): prices and earnings moved broadly together.
Median price-to-book is −57% vs the whole market, against a usual −57%.

2016Shaded: most expensive fifth of its range2026

Shown for Banks & Insurance: too few Banks - Diversified companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	36.6%	59.2%	113.4%	130.6%	121.3%	▼ 9.3 pts
Net margin	30.5%	19.7%	11.8%	15.7%	16.8%	▲ 1.1 pts
Return on assets (ROA)	1.0%	0.6%	0.4%	0.5%	0.5%	▼ 0.0 pts
Return on equity (ROE)	10.9%	7.4%	4.5%	6.1%	6.7%	▲ 0.7 pts
Debt to equity	1.40×	1.58×	1.58×	1.61×	1.73×	▲ 7.6%
Interest coverage	3.30×	1.73×	1.13×	1.18×	1.24×	▲ 5.8%

C price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: less profitable than most peersless profitable than peers

Ranks #295 of 791 banks & insurance companies (top 38%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Citigroup

Is Citigroup getting weaker?

Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is unchanged at 56/100 since Oct 28, 2026.

How is Citigroup valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 67/100 against 950 banks & insurance peers. Book yield 103.4% vs a peer median of 79.5% (stronger than 71% of peers).Book yield 103.4% vs peers 79.5% (stronger than 71% of peers).

Is Citigroup growing?

Yes, faster than most of its peers. Growth scores 76/100 against 950 banks & insurance peers. Earnings per share growth 38.1% vs a peer median of 16.0% (stronger than 76% of peers).Earnings per share growth 38.1% vs peers 16.0% (stronger than 76% of peers).

How profitable is Citigroup?

Less profitable than most of its peers. Profitability scores 25/100 against 950 banks & insurance peers. Return on assets 0.6% vs a peer median of 1.2% (weaker than 74% of peers).Return on assets 0.6% vs peers 1.2% (weaker than 74% of peers).

How risky is Citigroup?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

88.3B USD

91.4B USD

+3.5%

Net income (12 months)

16.0B USD

17.8B USD

+11.3%

Operating margin

119.5%

117.9%

−1.7 pts

Free cash flow (12 months)

−37.2B USD

−24.5B USD

−34.1%

Debt

379.6B USD

402.7B USD

+6.1%

Cash

385.7B USD

366.4B USD

−5.0%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

36.6%

59.2%

113.4%

130.6%

121.3%

▼ 9.3 pts

Net margin

30.5%

19.7%

11.8%

15.7%

16.8%

▲ 1.1 pts

Return on assets (ROA)

1.0%

0.6%

0.4%

0.5%

▼ 0.0 pts

Return on equity (ROE)

10.9%

7.4%

4.5%

6.1%

6.7%

▲ 0.7 pts

Debt to equity

1.40×

1.58×

1.61×

1.73×

▲ 7.6%

Interest coverage

3.30×

1.73×

1.13×

1.18×

1.24×

▲ 5.8%