Reading the tape
NYSE: C
Citigroup Inc.
Financial Services · Banks - Diversified
Market Cap
$215.91B
52w High
$135.29
52w Low
$71.65
P/E
13.68
Volume
8.37M
Outstanding Shares
1.71B
Price vs Fundamentals
Why The Stock Is Moving
Optimism is getting priced inHigh confidence
1Y Price: 68%Revenue (TTM): 1.81%FCF (TTM): 49.68%P/E: 89th pct
What changed
The stock rose 68% over the last year. Revenue grew 1.81% over the trailing twelve months. Operating margin moved from 10.67% to 12.79%. Free cash flow grew 49.68% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/E range (89th percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 12.79% — continued expansion would be needed to justify the premium. Revenue growth of 1.81% is encouraging, but any deceleration puts the stretched multiple at risk. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Company profile
Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa.
CEOJane Nind Fraser
SectorFinancial Services
IndustryBanks - Diversified
Employees229,000
IPO dateJan 3, 1977
Valuation
Forward P/E—
EV/EBITDA25.05
Enterprise value$578.63B
Price / Book1.02
Stock splits
May 9, 2011↓ Reverse
Every 10 shares became 1
Aug 28, 2000↑ Forward
Every 3 shares became 4
Jun 1, 1999↑ Forward
Every 2 shares became 3
Nov 20, 1997↑ Forward
Every 2 shares became 3
Nov 25, 1996↑ Forward
Every 3 shares became 4
May 28, 1996↑ Forward
Every 2 shares became 3
Aug 30, 1993↑ Forward
Every 3 shares became 4
Mar 1, 1993↑ Forward
Every 2 shares became 3
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Income growth15.2%
Gross marginN/A
Operating margin26.44%▲10.33%vs FY2024
ROE6.72%▲10.55%vs FY2024
Analyst consensus
RatingBuy
Target price$140.50▲11.60%
17
Buy
9
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Jul 14, 2026
Q3 FY26 · EPS est $2.56 · Revenue est $23.15B
View
Dividends
$2.40/shareQuarterlyDividend Achiever · 14yrC pays a dividend with a 1.91% dividend yield, 14 consecutive years of growth.
Dividend Yield
1.91%
Annual Div / Share
$2.40
5yr CAGR
+2.61%
Payout Ratio
33.79%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+4.38%
5yr CAGR
+2.61%
10yr CAGR
+30.66%
Dividend History
Annual dividends paid per share
YearAnnual DivYoY
2025$2.32+6.4%
2024$2.18+4.8%
2023$2.08+2.0%
2022$2.04+0.0%
2021$2.04+0.0%
2020$2.04+6.2%
2019$1.92+24.7%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$19/yr
$2/mo
In 5 yrs
$19/yr
$2/mo
In 10 yrs
$19/yr
$2/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$19/yr $2/mo | $19/yr $2/mo | $19/yr $2/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.
Analysis
Dividend Strengths
Dividend Achiever
C has raised its dividend for 14 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Risks to Watch
No strong risk signal stands out from the latest period pair.
Congressional Activity
Congress Trades in C
STOCK Act disclosures from senators and representatives.
Maria Elvira Salazar
FLhouseRepublicanPurchase2026-03-19$1,001 - $15,000+34d to discloseMaria Elvira Salazar
FLhouseRepublicanPurchase2026-03-19$15,001 - $50,000+34d to disclose
Markwayne Mullin
OKsenateRepublicanPurchaseJoint2026-02-04$15,001 - $50,000+26d to discloseMarkwayne Mullin
OKsenateRepublicanPurchaseSpouse2026-01-05$15,001 - $50,000+29d to discloseMarkwayne Mullin
OKsenateRepublicanPurchaseSelf2026-01-05$15,001 - $50,000+30d to disclose