Citigroup stock
CNYSECitigroup Inc., Financial ServicesISIN US1729674242
65Score 65 out of 100, Neutral
Price and trend
65 / 100
Price history
+21% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 2.2% below it.
Since May 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 57).
The price is 15% below its 52-week high. Largest decline in 20 years: 98% (December 2006 to March 2009).
Chart figures for advanced users
- SMA 50$128.13
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$126.90
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)57
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$97.63
- The lowest closing price of the last twelve months.
- Resistance$145.67
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Citigroup Inc. belongs to the Banks (Diversified) industry (United States) and, with a market value of $208.1B, is number 12 of 33 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $85.21B (up 5.1% year on year) and earnings of $14.31B (up 12.8%).
- For fiscal 2026, analysts expect on average revenue of $96.13B (up 12.8%) and adjusted earnings per share of $11.40 (up 63.5%).
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- MEQIRI Score 65 out of 100 (Neutral): rank 592 of 976 in Financial Services, median 68.
- The P/E is 11.8 (Banks (Diversified) median 11.8, own median of recent years 11.7).
- Our model puts fair value at $158.54, with the price 22% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 13% since 2020.Capital allocation 73
- Reliable dividendNo dividend cut for 15 years.Capital allocation 73
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are valuation and capital allocation, while profitability holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 64 to 65.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among the 100 largest stocks.
From 2016 to 2025, 7 in 100 such stocks fell 30% or more within a year, against a group average of 9 in 100.
Valuation
Valuation signal
Modestly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $121.95 and expensive above $226.49 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $193.60 (excess return model) and $123.48 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $142.41, at 7.8% it would be $182.74.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 9.4% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 23%, net 17%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 14 Jan 2027in 63 days
- Last reported
- 13 Oct 2026EPS reported $2.85 (expected $2.66)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $11.40+1.1%
- Revenue
- $96.13B+0.2%
- Earnings per share
- $12.84+0.2%
- Revenue
- $100.13B+0.3%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: −7.3%2026 return on tangible equity is expected above 11%, exceeding the 10% to 11% target, with an efficiency ratio below 60%.
“In terms of the journey ahead, as know, we expect to exceed this year's ROTCE target of 10-11%, even as we pull forward the investments to support our near term target of 11-13%, But these are simply the next waypoints on our path to reach 14-15% in a sustainable manner which we will do.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 13 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
- Dugan John CunninghamSale
8 May 2026, Board
- Shares
- 2,117
- Price
- $125.30
- Value
- $265,260
- Skyler EdwardSale
15 Apr 2026, Hd of Ent Svc & Public Affairs
- Shares
- 25,000
- Price
- $131.41
- Value
- $3.29M
- Giles NicoleSale
15 Apr 2026, CHIEF ACCOUNTING OFFICER
- Shares
- 12,732
- Price
- $131.80
- Value
- $1.68M
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- Mason MarkSale
20 Feb 2026, Chief Financial Officer
- Shares
- 3,627
- Price
- $114.71
- Value
- $416,045
- Torres Cantu ErnestoSale
13 Feb 2026, Head of International
- Shares
- 67,318
- Price
- $111.11
- Value
- $7.48M
- Luchetti GonzaloSale
12 Feb 2026, Head of U.S. Personal Banking
- Shares
- 19,974
- Price
- $115.03
- Value
- $2.3M
- Habner PamelaSale
12 Feb 2026, Head of U.S. Consumer Cards
- Shares
- 29,754
- Price
- $117.26
- Value
- $3.49M
- Giles NicoleSale
11 Feb 2026, CHIEF ACCOUNTING OFFICER
- Shares
- 16,792
- Price
- $119.04
- Value
- $2M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Citigroup
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Diversified)
The next larger and next smaller companies by market value
- Royal Bank of CanadaRY $282.23B74
- Wells FargoWFC $257.56B74
- Mitsubishi UFJ Financial GroupMUFG $246.63B71
- Toronto-Dominion BankTD $209.97B70
- Banco SantanderSAN.MC $182.73B67
- Sumitomo Mitsui Financial GroupSMFG $155.18B68
- UBS GroupUBSG.SW $150.44B68
- Banco Bilbao Vizcaya ArgentariaBBVA.MC $143.2B84
ETFs that hold Citigroup
Held by 113 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P U.S. Banks UCITS ETFIUS2 | 6.35% | 0.35% | €1B |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 3.55% | 0.39% | €188.08M |
| Xtrackers MSCI USA Financials UCITS ETF 1DXUFN | 2.60% | 0.12% | €1.07B |
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| State Street SPDR S&P U.S. Financials Select Sector UCITS ETF (Acc)ZPDF | 2.51% | 0.15% | €663.04M |
| iShares S&P 500 Financials Sector UCITS ETFQDVH | 2.45% | 0.15% | €2.17B |
| iShares MSCI World Value Factor Advanced UCITS ETFCBUI | 2.14% | 0.25% | €1.53B |
| Invesco CoinShares Global Blockchain UCITS ETFBNXG | 1.67% | 0.65% | €733.24M |
| iShares Edge MSCI USA Value Factor UCITS ETFQDVI | 1.53% | 0.20% | €2.9B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 11 Apr 2025)
- Valuation signal Fairly valued since 10 Nov 2026, previously Undervalued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.