Citigroup
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What has the price done?
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Press and drag across the chart to see the change between two points. Source: Yahoo Finance, delayed. Bars are daily and prices are adjusted for splits, not dividends. Past returns don't predict future returns.
Dividends
Full chart
TradingView's advanced chart, with indicators and drawing tools. It loads when you scroll to it.
How does it make money?
What it does is in the oven
We haven't typed up Citigroup's business and region split yet. Every figure comes from the company's own results, so this takes a little time.
See companies we've covered ›History and context
Soon We haven't found a Wikipedia article for Citigroup yet. We'll write a short history from its annual reports.
What it actually sells Soon
A product-by-product guide to Citigroup: what each one is, who buys it, and how much it brings in, in plain English and in the company's own terms. We're starting with the companies that are hardest to picture, like Broadcom.
Moat not rated yet
We haven't rated Citigroup's moat. A rating needs at least five years of returns against the cost of capital, plus evidence for each of the five lenses.
How we rate moats ›Is it a good business at a fair price?
What each method implies
Ranges, not targetsThe five questions, and the price
Six checks from the annual reports. A flag marks a reason to dig deeper, not a verdict.
- 1. Is it growing?
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Revenue growth over 5–10 years
SGX companies don't file tagged figures with the SEC. We'll add them from annual reports.
We need at least five years of sales to answer this.
What to look for Steady growth, not one lucky year.
- 2. Is it profitable?
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Operating margin (operating income ÷ revenue)
SGX companies don't file tagged figures with the SEC. We'll add them from annual reports.
We need operating income and revenue to answer this.
What to look for Stable or rising. It's cleaner than net income, which one-off items and tax can distort.
- 3. Is the profit real cash?
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Free cash flow (operating cash flow − capex), and FCF ÷ net income
SGX companies don't file tagged figures with the SEC. We'll add them from annual reports.
We need the cash flow statement to answer this.
What to look for FCF positive and growing, and close to net income over time.
- 4. Is it a good business?
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Return on invested capital (ROIC); ROE for banks
SGX companies don't file tagged figures with the SEC. We'll add them from annual reports.
We haven't rated this company's returns yet.
What to look for Clearly above the cost of capital (roughly 8–10%). Sustained 15%+ usually means a moat.
- 5. Can it survive a bad year?
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Net debt ÷ EBITDA or ÷ FCF, plus interest cover
SGX companies don't file tagged figures with the SEC. We'll add them from annual reports.
We need the balance sheet to answer this.
What to look for Debt payable from about 3 years of FCF or less, interest covered many times.
- 6. Is the price right?
+0.9% vs the sheet
FCF yield or EV/EBIT, and price against a cash-flow value
The valuation sheet's default story values it at US$109.23–US$138.83 a share (middle US$123.17); at US$124.26, its 16 Oct 2026 price, the price is +0.9% against the middle.
On the sheet's default story the price sits above the middle of its value range, by 1%. Change the story and that moves.
What to look for Pay less than a cash-flow value estimate, with a margin of safety.
Source: Stock valuation, 16 Oct 2026.
US figures: each company's Form 10-K as tagged on SEC EDGAR, collected 19 Oct 2026. Free cash flow is operating cash flow less purchases of property and equipment. Borrowings exclude leases. For education only. Not financial advice.
How peers compare
Financials names we coverA sector is a loose fit — these are simply the financials names whose filings we've loaded, not a hand-picked set.
| Company | Revenue growth, 5y | Operating margin | P/E | EV/EBITDA |
|---|---|---|---|---|
| C | — | — | 11.4x | — |
| BRK.B | +8.6% a year | — | — | — |
| JPM | +8.8% a year | — | 16.8x | — |
| V | +12.9% a year | 60.0% | — | — |
| MA | +16.5% a year | 57.6% | 38.6x | 29.3x |
| BAC | +5.7% a year | — | 13.1x | — |
- Peers' middle-half P/E
- 15.0x–27.7x (median 16.8x, 3 peers)
At the peers' middle-half P/E, Citigroup's earnings per share from the Stock valuation sheet (https://stockanalysis.com/stocks/c/statistics/) would put the share between $161 and $298. Those are the peer bars in the valuation chart above — one way to read the price, not a target.
Prices: weekly screener snapshot, 30 Oct 2026. Profits: each company's latest annual filing via SEC EDGAR, as filed, or the Stock valuation sheet's typed-up figures for SGX names, which don't file with the SEC. Peers are same-sector names we cover, which is a looser fit. A multiple compares one year's profit with today's price; it says nothing about what either does next.
Dividend discount model, from Stock valuation
Ten years of dividends a bank can pay, from Citigroup's latest figures and Damodaran's industry averages. It's one story told with numbers, so it comes as a range.
- Value range, the default story$109.23–$138.83Middle $123.17 a share
- Price, 16 Oct 2026 close$124.26+0.89% ▲ against the middle
- What the price implies9.5% ROEReturn on equity that makes value equal the price; the story uses 9.3%
To be worth today's price, Citigroup would need a return on equity of about 9.5%. One way to read this is to ask whether that sounds believable.
The story's assumptions
- Net income, last 12 months
- $17,860M
- Payout ratio, years 1–5
- 26.3%
- Return on equity, years 1–5
- 9.3%
- Return on equity after year 10
- 9.3%
- Cost of equity, years 1–5
- 9.3%
- Cost of equity after year 10
- 9.3%
- Growth after year 10
- 5.1%
- Beta
- 1.00
Value per share as two inputs change (return on equity down, cost of equity, years 1–5 across)
| Return on equity | 8.8% | 9.3% | 9.8% |
|---|---|---|---|
| 7.3% | $115.92 | $112.52 | $109.23 |
| 9.3% | $126.91 | $123.17 | $119.56 |
| 11.3% | $138.83 | $134.72 | $130.76 |
Middle cell: the default story. Each step is 2 points of return on equity or 0.5 points of cost of equity.
| Year | Growth | Net income | Payout | Dividends | Cost of equity | Present value |
|---|---|---|---|---|---|---|
| 1 | 6.9% | $19,091M | 26.3% | $5,017M | 9.3% | $4,591M |
| 2 | 6.9% | $20,407M | 26.3% | $5,363M | 9.3% | $4,490M |
| 3 | 6.9% | $21,814M | 26.3% | $5,733M | 9.3% | $4,391M |
| 4 | 6.9% | $23,317M | 26.3% | $6,128M | 9.3% | $4,295M |
| 5 | 6.9% | $24,924M | 26.3% | $6,550M | 9.3% | $4,201M |
| 6 | 6.5% | $26,552M | 30.1% | $8,002M | 9.3% | $4,696M |
| 7 | 6.2% | $28,191M | 34.0% | $9,583M | 9.3% | $5,146M |
| 8 | 5.8% | $29,829M | 37.8% | $11,290M | 9.3% | $5,547M |
| 9 | 5.5% | $31,455M | 41.7% | $13,119M | 9.3% | $5,897M |
| 10 | 5.1% | $33,056M | 45.6% | $15,061M | 9.3% | $6,195M |
| After 10 | 5.1% | $34,739M | 45.6% | $15,828M | 9.3% | $155,011M |
- Present value of years 1–10
- $49,449M
- Present value after year 10
- $155,011M
- Value of equity
- $204,460M
- Shares
- 1,660M
- Value per share, default story
- $123.17
Company figures: https://stockanalysis.com/stocks/c/statistics/, TTM to Sep 2026. Industry averages: Aswath Damodaran, January 2026 US data. Risk-free rates: US 10-year Treasury 5.09% and Singapore 10-year 2.34%, 16 Oct 2026. Equity risk premium: Damodaran's implied premium of 4.20%, 1 Oct 2026. Company figures are the latest reported before 19 Oct 2026. Data as of 16 Oct 2026. The sheet follows the spreadsheets Aswath Damodaran publishes; it is not affiliated with or endorsed by him. A model's value is not a price target. For education only. Not financial advice.
Who owns it, and what's the mood?
Tracked investors and insiders
Trades in Citigroup by the people we follow: Warren Buffett and Michael Burry (13F), Grab's officers (Form 4) and Nancy Pelosi (House reports). They show what happened, often weeks later, not what to copy.
None of the people we follow has reported a trade in Citigroup in the filings we track.
Sources: SEC EDGAR 13F-HR and Form 4 filings, and the US House Clerk's Periodic Transaction Reports, checked 30 Oct 2026. 13F values are the quarter-end value, not the price paid. All tracked trades ›
- Largest shareholdersSoonThe biggest holders from 13F filings and the annual proxy statement.—
- Chief executive and board holdingsSoonShares held by the CEO and directors, from the proxy statement and Form 4s.—
- Short interestSoonHow many shares are sold short, from exchange short-interest reports.—
Crowd favourite or value trap?
Neither is a label we can put on a stock. These are signs worth looking into, each from a figure on this page.
Signs of a crowd-driven price
Meme stocks move on attention more than on results: big swings, a price far from cash-flow value, thin profits.
0 of 3 signs (1 without data)
- NoSwings at least twice as much as the marketBeta 1.18, 5 years of monthly returns
- NoUp more than 100%, or down more than 50%, in a year1-year price change +23.71%
- NoPrice more than 50% above the valuation sheet's middle valuePrice +1% against the sheet's default story, 16 Oct 2026
- —Thin profits: operating margin under 5%, or a lossNo operating margin yet
Signs of a value trap
A value trap looks cheap because the business is shrinking or earning less than its capital costs.
0 of 1 signs (3 without data)
- —Looks cheap: P/E under 12 or FCF yield over 8%No P/E or FCF yield yet
- —Revenue lower than five years agoFewer than six years of revenue
- —Returns below the cost of capitalNot rated yet
- NoMore than 30% below its 52-week high−17.1% from the 52-week high
Prices, beta and 1-year change: Yahoo Finance weekly snapshot, 30 Oct 2026. Business figures: the five questions under Valuation and financials. A sign is a reason to dig deeper, not a verdict. For education only. Not financial advice.
Read it through a lens
Price data: Yahoo Finance, delayed. Company figures: each company's own filings, dated where they appear. A ticker on this site is not a recommendation. For education only. Not financial advice.