C— Citigroup Inc.
NYSEFinancial Services · Banks - Diversified
Citigroup Inc. (C) stock trades at $129.36, down 1.78% on the day. With a market capitalization of $216.99 billion, C is a mega-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 13.9, a forward P/E of 10.1 and earnings per share (EPS) of $9.28. Over the most recent period the company reported 14% year-over-year revenue growth and a net profit margin of 21.8%. Below you'll find C's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
Price & Performance
Performance
Analysis & Verdict
Citigroup Inc. (C) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
Citigroup Inc. (C) operates in the Banks - Diversified space within the Financial Services sector. With a market cap of $217.0B, it qualifies as a large-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Low P/E of 13.9× suggests the stock may be undervalued relative to earnings
- Forward P/E (10.1×) is lower than trailing P/E (13.9×) — analysts expect earnings to improve
- Revenue growth of 14% YoY shows solid business momentum
- Earnings grew 61% YoY — bottom-line is expanding fast
- Exceptional profit margin of 21.8% — the business retains a large share of each dollar earned
No significant bearish signals found
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Fair Value Estimates
Current price: $129.36
Graham Number
√(22.5 × EPS × Book Value)
$154.78
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$35.53
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
7/10
88% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
8.5%Return on equity — measures how efficiently capital is used
Positive profit margin
21.8%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+14.5%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+61.0%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$1.6B/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.86%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 13, 2026
87
days
EPS (TTM)
$9.28
P/E (TTM)
13.9
Fwd P/E
10.1
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
1.86%
5Y Avg Annual
$1.9640
Last Payment
$0.6000
Ex-Date
05/04/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest05/04/2026 | 05/22/2026 | $0.6000 | 1.86% |
02/02/2026 | 02/20/2026 | $0.6000 | 1.86% |
11/03/2025 | 11/21/2025 | $0.6000 | 1.86% |
08/04/2025 | 08/22/2025 | $0.6000 | 1.86% |
05/05/2025 | 05/23/2025 | $0.5600 | 1.73% |
02/03/2025 | 02/21/2025 | $0.5600 | 1.73% |
11/04/2024 | 11/22/2024 | $0.5600 | 1.73% |
08/05/2024 | 08/23/2024 | $0.5600 | 1.73% |
Magic Number
Shares needed to self-fund your next purchase
$129.36
Price
$0.6000
Last div. (quarterly)
216
shares
Own 216 C shares ($27,941.76) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$27,941.76
New shares / year
+4 shares
Tools & Simulators
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
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About Citigroup Inc.
Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
Sector
Financial Services
Industry
Banks - Diversified
Location
New York, United States
Employees
219,000
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C — Frequently Asked Questions
Is Citigroup Inc. (C) a good stock to buy in 2026?
Citigroup Inc. (C) shows strengths such as revenue growth of 14% and a strong 22% net margin. Whether C is a good buy in 2026 depends on your time horizon and risk tolerance — review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is C's stock price today?
Citigroup Inc. (C) trades at $129.36, down 1.78% on the session. Prices on this page update throughout the trading day.
Does C pay a dividend?
Yes. Citigroup Inc. pays an annual dividend of $2.40 per share, a dividend yield of 1.86%. The most recent ex-dividend date was May 4, 2026. Its payout ratio is about 26% of earnings.
Is C overvalued?
With a P/E ratio of 13.9×, C trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 0.70 (below 1, which can signal growth at a reasonable price). See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is C's market cap?
Citigroup Inc. (C) has a market capitalization of $216.99 billion, classifying it as a mega-cap stock in the Financial Services sector.
Disclaimer: This page — including any buy/hold/avoid view, fair value or price estimate — is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.