C · NYSE · Banks
Citigroup Inc. is one of the world’s largest global banking and financial services groups, serving individuals, corporations, governments, institutions, and investors across international markets.
Current price
$122.27
▼ −$2.26 (1.81%) today
ET&A View
Last reviewed 14 September 2026
ET&A sees significant upside from the current price with an attractive risk/reward profile.
Citigroup is transitioning from a long-running restructuring story into a genuine earnings and returns improvement story.
Business Health
Is the business financially healthy?
Mixed
Watch earnings.
Overall
Revenue
$81.7bn · ↑ +6% last year
Earnings
$16.5bn · ↑ +13% last year
Profitability
Earns 9% a year on shareholders' money
Capital strength
Its cushion against losses
Dividend
2.0% yield · Pays out 26% of earnings · covered 3.9×
Investor View
Open a section for the detail behind the quick view.
Citigroup is transitioning from a long-running restructuring story into a genuine earnings and returns improvement story. Management has simplified the group around five core businesses, exited numerous non-strategic…
The complete ET&A view
See our full reasoning, what could drive the shares higher or go wrong, our Fair Value and Preferred Entry, and how our view has changed.
Reported annual results, newest first · Market data. “Growth” is the change in sales on the year before.
| Year | Revenue | Growth | Operating margin | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|---|
| FY2025 | $85.2bn | +5.6% | — | $14.3bn | $6.99 | −$74.2bn |
| FY2024 | $80.7bn | +3.3% | — | $12.7bn | $5.94 | −$26.2bn |
| FY2023 | $78.1bn | +4.8% | — | $9.2bn | $4.04 | −$80.0bn |
| FY2022 | $74.5bn | — | — | $14.8bn | $7.00 | $19.4bn |
Long-term growth investors
Also suits: Investors who want a mix of growth and stability
We don’t cover another company in this sector yet.
Compare Citigroup Inc with any company → The model’s own peer calculations are in the Research View.
Citigroup Inc. is one of the world’s largest global banking and financial services groups, serving individuals, corporations, governments, institutions, and investors across international markets. The company provides a broad range of services including consumer banking, credit cards, corporate banking, investment banking, markets, treasury and trade solutions, securities services, and wealth management.
Citigroup’s strength comes from its global network, institutional relationships, and ability to support clients with cross-border financial needs. Its business is particularly relevant to multinational companies, governments, financial institutions, and investors that require banking, capital markets, payments, liquidity, trade finance, and advisory services across multiple regions. This makes Citi a major global banking platform with exposure to consumer finance, corporate activity, international trade, capital markets, and wealth management.
Banks · USA
For detailed analysis. Each section opens on its own.
As of 14 October 2026
Standard ways of comparing the share price with the company’s earnings, sales and cash. Tap the “i” for what each one means.
| Measure | Today | Source |
|---|---|---|
| P/E | Members | |
| Forward P/E | Members | |
| EV/EBITDA | Members | |
| Price/Sales | Members | |
| FCF Yield | Members |
Valuation ratios are part of ET&A membership.
Other published measures
Use the 5Y and Max ranges on the price chart at the top of the page.
Forecasts are market consensus or calculated from forward EPS — not ET&A estimates, and they can be wrong.
Powered by the ET&A Valuation FrameworkHow Fair Value & Preferred Entry work →
Read the full ET&A methodology →The ET&A View combines our assessment of the business with where today’s price sits against our Preferred Entry and Fair Value. It is a considered judgement, not a mechanical score.
ET&A Score: ET&A's overall assessment of business quality, valuation, growth and risk, out of 10. It weighs business quality, financial strength, growth, valuation, risk, future prospects.
Powered by the ET&A Company Assessment FrameworkSee the full framework →
The automatic, rules-based scores that feed our research. The ET&A Score blends these with our own analysis of the business and its value. How the framework works →
Thin margins · Strong balance sheet · Strong
Context — not part of the score
Valuation and share-price swings describe the shares, not the company, so they are judged in the ET&A Score and View instead.
Based on the factors that could be measured (45% of the model).
Each area is scored from 0 to 10 on ET&A’s methodology scales — the same ones our research uses — then given a word: Excellent from 8.5, Strong from 7, Good from 5.5, Average from 4.5, Below Average from 3, Weak below 3. The overall answer is the average of the areas we could rate (at least three); the dividend isn’t part of it.
| Area | Based on | Score | Rating |
|---|---|---|---|
| Revenue |
Rated on 3-year average revenue growth, on ET&A's growth scale. | 5.4 / 10 | Average |
| Earnings |
Rated on 3-year average earnings growth, on ET&A's growth scale. | 3.5 / 10 | Below Average |
| Profitability |
For banks and insurers ET&A judges profitability on return on equity (and cost ÷ income where known), not sales margins. | 5.3 / 10 | Average |
| Capital strength | Needs equity and total assets to rate. For banks ET&A measures capital as equity ÷ assets, on its bank capital scale. | — | Not rated |
| Dividend |
Dividend yield on ET&A's income scale. Not part of the overall health rating. | 5.0 / 10 | Average |
| Overall | Average of the 3 rated areas | 4.7 / 10 | Average |
Where each band starts on the scales above. They are fixed and identical for every company we cover; they come straight from ET&A’s methodology, so a company is judged the same way here as in our research.
| Measure | Excellent | Strong | Good | Average | Below Average | Weak |
|---|---|---|---|---|---|---|
| GrowthStructural Growth (Fundamental Conviction) | 18%+ | 10%+ | 5.0%+ | 1.7%+ | −2.5%+ | below −2.5% |
| Operating marginCompetitive Position (Fundamental Conviction) | 29%+ | 20%+ | 13%+ | 7.5%+ | 0%+ | below 0% (loss) |
| Net marginEarnings Durability (Fundamental Conviction) | 23%+ | 15%+ | 9.8%+ | 6.0%+ | 0%+ | below 0% (loss) |
| Free-cash-flow marginCapital Allocation (Fundamental Conviction) | 15%+ | 8.5%+ | 3.8%+ | 1.3%+ | −2.5%+ | below −2.5% |
| Net debt ÷ EBITDAStructural Risk (Fundamental Conviction) | net cash | ≤ 1.5× | ≤ 2.8× | ≤ 3.6× | ≤ 5.0× | above 5.0× |
| Return on equity (banks & insurers)Bank and insurer quality | 16%+ | 12%+ | 9.0%+ | 6.7%+ | 2.7%+ | below 2.7% |
| Equity ÷ assetsBank capital | 7.5%+ | 6.0%+ | 4.7%+ | 4.0%+ | any | — |
| Dividend yieldIncome factor (ET&A Quant Score) | 5.8%+ | 4.0%+ | 2.5%+ | 1.8%+ | 1.0%+ | below 1.0% |
Band floors: Excellent 8.5 · Strong 7 · Good 5.5 · Average 4.5 · Below Average 3 (scores out of 10). Utilities and property companies’ structural debt is scored 6.5, as in ET&A’s risk model.
No research notes have been published for Citigroup Inc yet.
Need deeper analysis on Citigroup Inc? ET&A Professional includes full company notes, valuations and models — or commission bespoke research.
Chinese electric cars are becoming cheaper, better and more popular in Britain. That is good news for consumers. It may be much less comfortable for Britain's car industry.
A. Francis Ugbabe · 6 October 2026 · 4 min read
Has luxury become too expensive even for luxury consumers?
A. Francis Ugbabe · 6 October 2026 · 4 min read
Nigeria's central bank has taken interest rates from 26.5% to 23% in a single move. If this marks the beginning of a genuine easing cycle, the consequences could extend far beyond cheaper loans. After years in which extraordinarily high yields pulled capital towards fixed income, Nigeria may be approaching a point where investors have to reconsider where money should sit.
A. Francis Ugbabe · 29 September 2026 · 6 min read