Tearsheet

Citigroup (C)

Market Price (10/19/2025): $97.34 | Market Cap: $180.7 Bil
Sector: Financials | Industry: Diversified Banks

Citigroup (C)

Market Price (10/19/2025): $97.34
Market Cap: $180.7 Bil
Sector: Financials
Industry: Diversified Banks

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%	Not cash flow generative CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -105%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -113%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -105%
2	Low stock price volatility Vol 12M is 32%
3	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -105%
2	Low stock price volatility Vol 12M is 32%
3	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%
4	Not cash flow generative CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -105%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -113%

Market Valuation & Key Metrics

Valuation
Key Metrics

	10/19/25	2024	2023	2022	2021
Share Price CYE	$97.34	$68.90	$48.54	$40.80	$52.37
Market Cap CYE ($ Bil)	180.7	130.1	92.7	79.0	103.9
Total Debt ($ Bil)	373.3	335.8	324.1	318.7	282.3
Total Cash ($ Bil)	337.5	276.5	260.9	342.0	262.0
Enterprise Value ($ Bil)	216.5	465.9	416.8	397.7	386.2
Valuation Ratios
P/S TTM	2.2	1.6	1.3	1.2	1.7
P/EBIT TTM	0.0	0.0	0.0	0.0	0.0
P/E TTM	12.7	10.6	10.8	5.9	5.6
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8	2.8	3.3
P/EBIT TTM (Sector)	6.9	6.9	7.0	6.2	6.8
P/E TTM (Sector)	11.8	11.6	10.1	9.3	9.9

	10/19/25	2024	2023
Share Price CYE	$97.34	$68.90	$48.54
Market Cap CYE ($ Bil)	180.7	130.1	92.7
Total Debt ($ Bil)	373.3	335.8	324.1
Total Cash ($ Bil)	337.5	276.5	260.9
Enterprise Value ($ Bil)	216.5	465.9	416.8
Valuation Ratios
P/S TTM	2.2	1.6	1.3
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	12.7	10.6	10.8
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8
P/EBIT TTM (Sector)	6.9	6.9	7.0
P/E TTM (Sector)	11.8	11.6	10.1

	C	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	83.1
Rev Chg Q	8.1%	6.1%
Rev Chg LTM	6.3%	5.2%
Rev Chg 3Y Avg	4.3%	5.4%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	-87.2
CFO/Rev LTM	-104.9%	20.4%
Net Inc LTM ($ Bil)	14.2
Net Inc Mgn	17.1%	12.7%
VALUATION	LOW
P/S	2.2	3.2
P/CFO	-2.1	15.9
P/FCF	-1.9	20.7
P/E	12.7	24.0

C Stock

Return (1M):

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
C Return	-20%	1%	-22%	19%	42%	41%	50%
Peers Return	4%	39%	-15%	14%	37%	21%	134%
S&P 500 Return	16%	27%	-19%	24%	23%	13%	106%
Monthly Win Rates [3]
C Win Rate	42%	33%	42%	50%	58%	67%
Peers Win Rate	60%	70%	42%	48%	63%	64%
S&P 500 Win Rate	58%	75%	42%	67%	75%	67%
Max Drawdowns [4]
C Max Drawdown	-55%	-5%	-31%	-13%	-1%	-17%
Peers Max Drawdown	-46%	-3%	-29%	-18%	-6%	-19%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: JPM, BAC, MS, GS, USB. See C Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/17/2025 (YTD)

Downturns Compared

Unique Key	Event	C	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-52.1%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	108.8%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	448 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-56.8%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	131.4%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	1767 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-38.5%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	62.6%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	374 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-98.2%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	5311.8%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	Not Fully Recovered days	1480 days

How Low Can It Go?

Citigroup's stock fell -52.1% during the 2022 Inflation Shock from a high on 6/2/2021. A -52.1% loss requires a 108.8% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

Interactive Breakdown

Citigroup Interactive Breakdown Analysis

Better Bets than Citigroup (C)

	C	Better Performance than C
Metric	Value	Industry (Diversified Banks)
Rev Chg LTM	6.3%	JPM (8.2%), HSBC (6.9%), RY (16.4%), TD (10.1%), BMO (9.9%)
Rev Chg 3Y Avg	4.3%	JPM (13.5%), BAC (5.0%), HSBC (8.3%), RY (9.9%), TD (10.6%)
CFO/Rev LTM	-104.9%	JPM (-84.6%), BAC (4.4%), WFC (-11.2%), RY (135.4%), TD (32.4%)
FCF/Rev LTM	-112.7%	JPM (-84.6%), BAC (4.4%), WFC (-11.2%), RY (131.7%), TD (28.7%)
Total Yield	7.9%	WFC (9.6%), HSBC (8.2%), RY (9.3%), TD (15.4%), BMO (9.7%)

	C	Better Performance than C
Metric	Value	Sector (Financials)
Rev Chg LTM	6.3%	JPM (8.2%), V (11.4%), MA (13.1%), MS (16.7%), AXP (9.1%)
Rev Chg 3Y Avg	4.3%	JPM (13.5%), V (11.5%), MA (13.5%), BAC (5.0%), MS (5.0%)
CFO/Rev LTM	-104.9%	JPM (-84.6%), V (60.4%), MA (53.3%), BAC (4.4%), WFC (-11.2%)
FCF/Rev LTM	-112.7%	JPM (-84.6%), V (56.8%), MA (49.2%), BAC (4.4%), WFC (-11.2%)
Total Yield	7.9%	WFC (9.6%), HSBC (8.2%), RY (9.3%), TD (15.4%), PGR (10.1%)

	C	Better Performance than C
Metric	Value	All Other Sectors
Rev Chg LTM	6.3%	NVDA (71.6%), MSFT (14.9%), GOOGL (13.1%), AMZN (10.9%), META (19.4%)
Rev Chg 3Y Avg	4.3%	NVDA (92.0%), MSFT (12.5%), GOOGL (10.2%), AMZN (11.3%), META (13.0%)
CFO/Rev LTM	-104.9%	NVDA (46.6%), MSFT (48.3%), AAPL (26.6%), GOOGL (36.0%), AMZN (18.1%)
FCF/Rev LTM	-112.7%	NVDA (43.6%), MSFT (25.4%), AAPL (23.5%), GOOGL (18.0%), AMZN (2.0%)
Total Yield	7.9%	XOM (9.9%), BABA (37.7%), UNH (9.0%), CVX (9.7%), TM (2114.4%)

		Best Bets In Financials Sector
	C	DBRG	OTF	MTG	NMIH	ENVA	ACGL	APAM	CINF	EEFT	CNO
What You Pay
P/E	12.7	39.4	13.4	8.3	7.4	10.8	8.6	10.4	13.1	11.1	13.7
P/EBIT	�	64.2	9.2	6.3	5.4	7.9	7.6	6.0	10.4	6.7	6.3
What You Get
Rev Chg Q	8.1%	-102.4%	1,228.5%	-0.3%	7.2%	21.6%	22.4%	4.4%	27.7%	8.9%	8.0%
Rev Chg LTM	6.3%	-84.8%	89.0%	3.3%	10.0%	23.4%	23.5%	10.0%	9.6%	8.7%	1.0%
Rev Chg 3Y Avg	4.3%	125.8%	221.9%	1.2%	10.1%	25.7%	29.8%	0.2%	18.2%	9.1%	5.5%
FCF/Rev 3Y Avg	-82.8%	101.2%	76.2%	59.8%	58.8%	54.0%	38.4%	29.0%	22.1%	15.9%	14.4%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

	Title	Topic	Date
0	DASHBOARDS
1	Citigroup Stock Dropped 5.2% - Have You Assessed the Risk	Return
2	Day 8 of Gains Streak for Citigroup Stock with 6.5% Return (vs. 50% YTD) [9/22/2025]	Notification
3	C Dip Buy Analysis
4	Day 11 of Gains Streak for Citigroup Stock with 13% Return (vs. 26% YTD) [7/7/2025]
5	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
6	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
7	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
8	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
9	Day 7 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/27/2025]
10	Day 6 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/26/2025]
11	ARTICLES
12	How To Trade Citi Stock Ahead Of Q3 Earnings?		October 8th, 2025
13	C Stock Up 6.5% after 8-Day Win Streak		September 23rd, 2025
14	S&P 500 Stocks Trading At 52-Week High		September 17th, 2025
15	S&P 500 Stocks Trading At 52-Week High		September 11th, 2025
16	S&P 500 Stocks Trading At 52-Week High		July 23rd, 2025

	Title
0	DASHBOARDS
1	How To Trade Citi Stock Ahead Of Q3 Earnings?
2	C Stock Up 6.5% after 8-Day Win Streak
3	S&P 500 Stocks Trading At 52-Week High
4	S&P 500 Stocks Trading At 52-Week High
5	S&P 500 Stocks Trading At 52-Week High
6	ARTICLES
7	Citigroup Stock Dropped 5.2% - Have You Assessed the Risk
8	Day 8 of Gains Streak for Citigroup Stock with 6.5% Return (vs. 50% YTD) [9/22/2025]
9	C Dip Buy Analysis
10	Day 11 of Gains Streak for Citigroup Stock with 13% Return (vs. 26% YTD) [7/7/2025]
11	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
12	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
13	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
14	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
15	Day 7 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/27/2025]
16	Day 6 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/26/2025]

Trade Ideas

Select past ideas related to C. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield	09302025	HLNE	Hamilton Lane	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-12.4%	-12.4%	-12.7%
CNS_9302025_Dip_Buyer_ValueBuy	09302025	CNS	Cohen & Steers	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	6.1%	6.1%	-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper	09262025	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	2.4%	2.4%	-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper	09192025	FDS	FactSet Research Systems	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.9%	-0.9%	-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%	09052025	IBKR	Interactive Brokers	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	10.1%	10.1%	0.0%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield	09302025	HLNE	Hamilton Lane	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-12.4%	-12.4%	-12.7%
CNS_9302025_Dip_Buyer_ValueBuy	09302025	CNS	Cohen & Steers	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	6.1%	6.1%	-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper	09262025	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	2.4%	2.4%	-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper	09192025	FDS	FactSet Research Systems	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.9%	-0.9%	-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%	09052025	IBKR	Interactive Brokers	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	10.1%	10.1%	0.0%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	LBRT	Liberty Energy	28.3%	-21.5%
2	IRON	Disc Medicine	21.0%	41.9%
3	CCO	Clear Channel Outdoor	19.7%	24.1%
4	ATAI	ATAI Life Sciences	17.7%	385.0%
5	PRAX	Praxis Precision Medicines	16.8%	146.9%
6	PGEN	Precigen	14.6%	257.1%
7	MNMD	Mind Medicine	14.6%	96.1%
8	SSII	SS Innovations International	12.2%	23.4%
9	BETR	Better Home & Finance	10.0%	610.2%
10	RVMD	Revolution Medicines	8.9%	23.7%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	SLI	Standard Lithium	-20.2%	194.5%
2	HIMS	Hims & Hers Health	-15.8%	105.9%
3	RSI	Rush Street Interactive	-14.7%	26.1%
4	DNA	Ginkgo Bioworks	-12.4%	34.9%
5	DC	Dakota Gold	-12.3%	110.5%
6	PSNL	Personalis	-11.2%	58.0%
7	UAMY	United States Antimony	-10.9%	532.2%
8	EXK	Endeavour Silver	-10.7%	147.5%
9	ORLA	Orla Mining	-10.1%	119.3%
10	SOC	Sable Offshore	-10.0%	-48.4%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	PRAX	Praxis Precision Medicines	256.7%	146.9%
2	NVTS	Navitas Semiconductor	78.1%	310.6%
3	SSII	SS Innovations International	40.1%	23.4%
4	FLNC	Fluence Energy	40.0%	15.4%
5	BTDR	Bitdeer Technologies	35.1%	10.8%
6	MVST	Microvast	34.6%	181.6%
7	POWI	Power Integrations	31.3%	-25.4%
8	CCO	Clear Channel Outdoor	30.8%	24.1%
9	IRON	Disc Medicine	28.7%	41.9%
10	BE	Bloom Energy	28.4%	402.0%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	SOC	Sable Offshore	-35.8%	-48.4%
2	SRRK	Scholar Rock	-29.2%	-35.4%
3	AIV	Apartment Investment & Management	-28.3%	-9.0%
4	ALAB	Astera Labs	-22.5%	20.6%
5	BYRN	Byrna Technologies	-19.7%	-26.6%
6	BWIN	Baldwin Insurance	-19.5%	-40.3%
7	ONDS	Ondas	-17.5%	197.3%
8	URG	Ur-Energy	-17.4%	40.0%
9	IIIN	Insteel Industries	-16.4%	14.6%
10	LIF	Life360	-16.0%	112.3%

1 Month Top Gainers

#	Ticker	Company	1M Rtn	YTD Rtn
1	WOLF	Wolfspeed	1160.2%	365.5%
2	PRAX	Praxis Precision Medicines	320.1%	146.9%
3	QURE	uniQure	293.5%	228.4%
4	FLNC	Fluence Energy	131.4%	15.4%
5	CLPT	ClearPoint Neuro	123.6%	65.0%
6	NVTS	Navitas Semiconductor	117.8%	310.6%
7	LAC	Lithium Americas	110.9%	128.6%
8	ASTS	AST SpaceMobile	101.5%	295.7%
9	BETR	Better Home & Finance	97.8%	610.2%
10	GRAL	GRAIL	97.0%	337.0%

1 Month Top Losers

#	Ticker	Company	1M Rtn	YTD Rtn
1	SOC	Sable Offshore	-50.9%	-48.4%
2	FLY	Firefly Aerospace	-41.7%
3	PGY	Pagaya Technologies	-39.5%	185.3%
4	UP	Wheels Up Experience	-37.1%	-6.7%
5	ALAB	Astera Labs	-36.6%	20.6%
6	VG	Venture Global	-35.8%
7	USNA	Usana Health Sciences	-32.3%	-41.8%
8	UPST	Upstart	-31.7%	-24.5%
9	DOMO	Domo	-30.8%	73.6%
10	TROX	Tronox	-30.6%	-63.2%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	LBRT	Liberty Energy	28.3%	-21.5%
2	IRON	Disc Medicine	21.0%	41.9%
3	CCO	Clear Channel Outdoor	19.7%	24.1%
4	ATAI	ATAI Life Sciences	17.7%	385.0%
5	PRAX	Praxis Precision Medicines	16.8%	146.9%
6	PGEN	Precigen	14.6%	257.1%
7	MNMD	Mind Medicine	14.6%	96.1%
8	SSII	SS Innovations International	12.2%	23.4%
9	BETR	Better Home & Finance	10.0%	610.2%
10	RVMD	Revolution Medicines	8.9%	23.7%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	SLI	Standard Lithium	-20.2%	194.5%
2	HIMS	Hims & Hers Health	-15.8%	105.9%
3	RSI	Rush Street Interactive	-14.7%	26.1%
4	DNA	Ginkgo Bioworks	-12.4%	34.9%
5	DC	Dakota Gold	-12.3%	110.5%
6	PSNL	Personalis	-11.2%	58.0%
7	UAMY	United States Antimony	-10.9%	532.2%
8	EXK	Endeavour Silver	-10.7%	147.5%
9	ORLA	Orla Mining	-10.1%	119.3%
10	SOC	Sable Offshore	-10.0%	-48.4%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	PRAX	Praxis Precision Medicines	256.7%	146.9%
2	NVTS	Navitas Semiconductor	78.1%	310.6%
3	SSII	SS Innovations International	40.1%	23.4%
4	FLNC	Fluence Energy	40.0%	15.4%
5	BTDR	Bitdeer Technologies	35.1%	10.8%
6	MVST	Microvast	34.6%	181.6%
7	POWI	Power Integrations	31.3%	-25.4%
8	CCO	Clear Channel Outdoor	30.8%	24.1%
9	IRON	Disc Medicine	28.7%	41.9%
10	BE	Bloom Energy	28.4%	402.0%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	SOC	Sable Offshore	-35.8%	-48.4%
2	SRRK	Scholar Rock	-29.2%	-35.4%
3	AIV	Apartment Investment & Management	-28.3%	-9.0%
4	ALAB	Astera Labs	-22.5%	20.6%
5	BYRN	Byrna Technologies	-19.7%	-26.6%
6	BWIN	Baldwin Insurance	-19.5%	-40.3%
7	ONDS	Ondas	-17.5%	197.3%
8	URG	Ur-Energy	-17.4%	40.0%
9	IIIN	Insteel Industries	-16.4%	14.6%
10	LIF	Life360	-16.0%	112.3%

Peer Comparisons for Citigroup

Financials

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
Mkt Price	97.07	297.56	51.28	158.67	750.77	45.69	127.87
Mkt Cap	180.2	829.8	393.7	250.2	235.5	71.2	242.9
Rev LTM	83,113	175,656	103,435	61,503	56,213	27,715	72,308
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	-93,686	-148,615	4,550	-20,941	-24,879	7,484	-22,910
FCF 3Y Avg	-65,690	-56,104	24,365	-25,282	-27,212	10,620	-26,247
CFO LTM	-87,165	-148,615	4,550	-17,670	-22,852	7,484	-20,261
CFO 3Y Avg	-59,182	-56,104	24,365	-21,957	-24,836	10,620	-23,396

Growth & Margins

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
Rev Chg LTM	6.3%	8.2%	5.4%	16.7%	12.2%	1.7%	7.2%
Rev Chg 3Y Avg	4.3%	13.5%	5.0%	5.0%	3.8%	6.5%	5.0%
Rev Chg Q	8.1%	6.7%	6.0%	11.3%	14.5%	2.0%	7.4%
QoQ Delta Rev Chg LTM	2.0%	1.6%	1.5%	2.6%	3.4%	0.5%	1.8%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	-104.9%	-84.6%	4.4%	-28.7%	-40.7%	27.0%	-34.7%
CFO/Rev 3Y Avg	-74.6%	-32.5%	24.8%	-41.3%	-46.4%	39.0%	-36.9%
FCF/Rev LTM	-112.7%	-84.6%	4.4%	-34.0%	-44.3%	27.0%	-39.2%
FCF/Rev 3Y Avg	-82.8%	-32.5%	24.8%	-47.4%	-51.2%	39.0%	-40.0%

Valuation

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
Mkt Cap	180.2	829.8	393.7	250.2	235.5	71.2	242.9
P/S	2.2	4.7	3.8	4.1	4.2	2.6	3.9
P/EBIT	-	-	-	-	-	-	-
P/E	12.7	14.7	14.1	17.0	15.1	10.3	14.4
P/CFO	-2.1	-5.6	86.5	-14.2	-10.3	9.5	-3.8
Total Yield	7.9%	6.8%	7.1%	5.9%	6.6%	14.1%	6.9%
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	4.4%	0.0%
FCF Yield 3Y Avg	-56.0%	-7.4%	8.7%	-16.0%	-14.8%	18.4%	-11.1%
D/E	2.1	0.6	0.9	1.4	1.6	1.1	1.3
Net D/E	-1.1	-0.5	-0.8	1.0	0.9	-1.0	-0.6

Returns

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
1M Rtn	-5.2%	-4.5%	-1.6%	-0.4%	-6.7%	-8.0%	-4.9%
3M Rtn	4.6%	2.7%	9.0%	13.5%	6.6%	1.1%	5.6%
6M Rtn	55.7%	29.5%	38.7%	47.5%	48.9%	22.2%	43.1%
12M Rtn	59.2%	34.8%	24.0%	35.0%	45.0%	-2.9%	34.9%
3Y Rtn	151.2%	175.0%	63.7%	127.0%	160.1%	27.9%	139.1%
1M Excs Rtn	-5.7%	-5.0%	-2.1%	-0.8%	-7.1%	-8.5%	-5.4%
3M Excs Rtn	-0.2%	-2.9%	2.9%	8.1%	1.2%	-4.8%	0.5%
6M Excs Rtn	29.6%	3.4%	12.5%	21.4%	22.7%	-3.9%	16.9%
12M Excs Rtn	45.1%	22.0%	10.0%	31.0%	32.1%	-13.0%	26.5%
3Y Excs Rtn	80.3%	122.9%	-0.4%	43.8%	88.3%	-51.3%	62.0%

FDIC Bank Data

Bank Capital

FDIC Data As Of	3312025
CAPITAL
Equity Total Capital ($ Bil)	175
Tier 1 (Core) Capital ($ Bil)	158
ASSETS
Total Assets ($ Bil)	1,761
Adjusted Average Assets ($ Bil)	1,722
Risk Weighted Assets Adjusted ($ Bil)	1,117
LEVERAGE RATIOS
Tier 1 Capital / Total Assets Ratio	9.0%
Tier 1 Capital / Adjusted Avg Assets Ratio	9.2%
Tier 1 Capital / Risk Wtd Assets Ratio	14.2%

Bank Deposits

FDIC Data As Of	3312025
DEPOSITS
Total Deposits ($ Bil)	1,362
Uninsured Deposits ($ Bil)	609
Uninsured Deposits Ratio %	44.8%

Bank Assets

FDIC Data As Of	3312025
ASSETS
Cash Balance ($ Bil)	293
Securities ($ Bil)	417
Net Loans ($ Bil)	655
Trading Assets ($ Bil)	173
Bank Premises Assets ($ Bil)	12
Other Real Estate Owned ($ Bil)	0
Goodwill & Intangibles ($ Bil)	14
Other Assets ($ Bil)	108
Total Assets (Sum) ($ Bil)	1,671
Total Assets (Reported) ($ Bil)	1,761
Risk Weighted Assets ($ Bil)	1,117
SECURITIES DETAILS
US Govt Securities ($ Bil)	242
Equity Securities Not Held for Trading ($ Bil)	0
Total Debt Securities ($ Bil)	417
Mortgage-Backed Securities ($ Bil)	103
SECURITIES VALUATION
Securities Held to Maturity (Book Value) ($ Bil)	216
Securities Available for Sale (Fair Market) ($ Bil)	201

Bank Loans

[valid:true, table:

FDIC Data As Of	3312025
LOAN DETAILS
All Real Estate Loans ($ Bil)	174
Farm Loans ($ Bil)	0
Commercial and Industrial Loans ($ Bil)	156
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)	171
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)	13
Commercial Real Estate Owner-Occupied ($ Bil)	1
Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)	9
Total Net Loans ($ Bil)	655

, map:[FDIC Data As Of:3312025, LOAN DETAILS:null, All Real Estate Loans ($ Bil):173.806000, Farm Loans ($ Bil):0.239000, Commercial and Industrial Loans ($ Bil):156.291000, Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil):171.402000, Commercial Real Estate Loans not Secured by Real Estate ($ Bil):13.331000, Commercial Real Estate Owner-Occupied ($ Bil):1.001000, Commercial Real Estate Other Non-Farm Non-Residential ($ Bil):9.376000, Total Net Loans ($ Bil):654.879000]]

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	6/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	8/6/2025	2/21/2025	2/23/2024	2/27/2023	2/28/2022	2/26/2021	2/21/2020
Key Financials
Total Revenue	83,113	81,089	77,024	74,480	71,887	75,494	75,067
Net Income	14,177	12,682	9,228	14,845	21,952	11,047	19,401
EPS	6.87	6.03	4.07	7.04	10.21	4.74	8.08
Growth Rates
Total Revenue Growth	6.3%	5.3%	3.4%	3.6%	-4.8%	0.6%	3.0%
Net Income Growth	70.9%	37.4%	-37.8%	-32.4%	98.7%	-43.1%	7.5%
Margins
Net Income Margin	17.1%	15.6%	12.0%	19.9%	30.5%	14.6%	25.8%
Cash & Debt
Total Cash	563,203	498,019	506,000	580,771	541,329	638,778	465,463
Total Debt	373,321	335,805	324,076	318,702	282,347	301,200	293,809
Net Debt / (Cash)	-189,882	-162,214	-181,924	-262,069	-258,982	-337,578	-171,654
Cash Flows
Net Cash from Operations	-87,165	-19,669	-73,416	25,069	47,090	-23,488	-12,837
Free Cash from Operations	-93,686	-26,169	-79,999	19,437	42,971	-26,934	-18,173
Returns to Shareholders
Dividends	5,307	5,199	5,212	5,003	5,198	5,352	5,447
Share Repurchases	12,450	7,524	6,122	3,250	11,386	4,425	19,551

$ Mil \| FY: 12/31	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3
Period End	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Filing Date	8/6/2025	5/8/2025	2/21/2025	11/7/2024	8/2/2024	5/3/2024	2/23/2024	11/3/2023	8/4/2023	5/5/2023	2/27/2023	11/4/2022
Key Financials Quarterly
Total Revenue	21,661	21,601	19,586	20,265	20,037	21,006	17,440	19,739	19,440	20,405	17,821	17,884
Net Income	4,019	4,064	2,856	3,238	3,217	3,371	-1,839	3,546	2,915	4,606	2,513	3,479
EPS	1.98	2.00	1.36	1.53	1.54	1.59	-1.16	1.64	1.34	2.21	1.16	1.64
Key Financials TTM
Total Revenue TTM	83,113	81,489	80,894	78,748	78,222	77,625	77,024	77,405	75,550	75,680	74,463	73,645
Net Income TTM	14,177	13,375	12,682	7,987	8,295	7,993	9,228	13,580	13,513	15,145	14,845	15,505
Growth Rates Quarterly
Total Revenue Growth	8.1%	2.8%	12.3%	2.7%	3.1%	2.9%	-2.1%	10.4%	-0.7%	6.3%	4.8%	2.4%
Net Income Growth	24.9%	20.6%	255.3%	-8.7%	10.4%	-26.8%	-173.2%	1.9%	-35.9%	7.0%	-20.8%	-25.1%
Margins Quarterly
Net Income Margin	18.6%	18.8%	14.6%	16.0%	16.1%	16.0%	-10.5%	18.0%	15.0%	22.6%	14.1%	19.5%
Cash & Debt
Total Cash	563,203	527,782	498,019	534,959	492,637	525,782	506,000	481,050	522,488	559,070	580,771	524,246
Total Debt	373,321	344,823	335,805	340,421	319,015	317,405	324,076	318,926	314,940	319,871	318,702	300,436
Net Debt / (Cash)	-189,882	-182,959	-162,214	-194,538	-173,622	-208,377	-181,924	-162,124	-207,548	-239,199	-262,069	-223,810
Cash Flows Quarterly
FCF from Operations	-36,579	-58,708	24,796	-16,674	-16,960	-10,831	-4,666	15,794	-54,059	-30,485	12,813	-1,988
Cash Flows TTM
FCF from Operations TTM	-87,165	-67,546	-19,669	-49,131	-16,663	-53,762	-73,416	-55,937	-73,719	3,831	25,069	161
Returns to Shareholders Quarterly
Dividends	1,328	1,323	1,314	1,342	1,252	1,291	1,313	1,352	1,280	1,267	1,226	1,263
Share Repurchases	3,999	3,251	968	4,232	1,361	963	3,943	1,179	1,000	-0	-0	50
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
United States Personal Banking (USPB)	19,187	16,872	15,845
Markets	18,649	19,945	19,399
Services	18,102	15,665	12,523
All Other	9,442	9,120	9,462
Wealth	7,021	7,355	7,542
Banking	4,715	5,527	7,783
Reconciling Items	1,346	854	-670
Corporate/Other				71	2,014
Global Consumer Banking				30,342	32,971
Institutional Clients Group (ICG)				45,088	39,301
Total	78,462	75,338	71,884	75,501	74,286

Net Income by Segment

$ Mil	2024	2023	2022	2021	2020
Services	4,701	4,948	3,768
Markets	3,938	5,852	6,661
United States Personal Banking (USPB)	1,820	2,770	6,099
Reconciling Items	659	-184	-1,642
Wealth	419	995	1,968
Banking	-31	334	4,105
All Other	-2,124	450	1,059
Corporate/Other				-1,109	825
Global Consumer Banking				663	5,702
Institutional Clients Group (ICG)				11,553	12,944
Total	9,382	15,165	22,018	11,107	19,471

Assets by Segment

$ Mil	2024	2023	2022	2021	2020
Markets	1,008,000	963,000	895,000
Services	586,000	600,000	547,000
United States Personal Banking (USPB)	242,000	231,000	211,000
Wealth	229,000	256,000	250,000
All Other	199,000	215,000	243,000
Banking	148,000	152,000	145,000
Corporate/Other				96,000	97,000
Global Consumer Banking				434,000	407,000
Institutional Clients Group (ICG)				1,730,000	1,447,000
Total	2,412,000	2,417,000	2,291,000	2,260,000	1,951,000

Price Behavior

Price Behavior

Market Price	$97.07
Market Cap ($ Bil)	180.2
First Trading Date	01/03/1977
Distance from 52W High	-6.2%
	50 Days	200 Days
DMA Price	$97.53	$81.68
DMA Trend	up	up
Distance from DMA	-0.5%	18.8%
	3M	1YR
Volatility	23.1%	32.4%
Downside Capture	114.99	105.00
Upside Capture	103.57	137.60
Correlation (SPY)	57.7%	75.0%

C Betas & Captures as of 9/30/2025

	1M	2M	3M	6M	1Y	3Y
Beta	1.52	1.41	1.46	1.21	1.26	1.14
Up Beta	2.62	1.56	1.66	0.95	1.06	1.06
Down Beta	3.23	1.35	1.37	1.58	1.50	1.31
Up Capture	126%	145%	174%	161%	197%	173%
Bmk +ve Days	13	23	35	74	144	420
Stock +ve Days	14	23	37	73	140	406
Down Capture	90%	132%	105%	109%	108%	102%
Bmk -ve Days	8	19	29	52	107	330
Stock -ve Days	7	19	27	52	109	338

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date	9302025
Short Interest: Shares Quantity	30,477,845
Short Interest: % Change Since 9152025	-16.0%
Average Daily Volume	13,973,413
Days-to-Cover Short Interest	2.18
Basic Shares Quantity	1,855,900,000
Short % of Basic Shares	1.6%

Returns Analyses

	Title
0	Citigroup Stock Dropped 5.2% - Have You Assessed the Risk
1	Citigroup Stock Return Comparison
2	Citigroup Total Shareholder Return (TSR): -21.2% in 2022 and -13.7% 3-yr returns (below peer average)

Earnings Returns History

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	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
10/14/2025	3.9%
7/15/2025	3.7%	5.9%	10.1%
4/15/2025	1.8%	2.1%	20.0%
1/15/2025	6.5%	11.1%	12.5%
10/15/2024	-5.1%	-6.3%	5.5%
4/12/2024	-1.7%	-3.9%	5.6%
1/10/2024	-1.8%	-3.6%	2.8%
10/13/2023	-0.2%	-3.5%	2.6%
...
SUMMARY STATS
# Positive	11	8	13
# Negative	11	14	9
Median Positive	1.8%	4.7%	5.6%
Median Negative	-3.9%	-3.9%	-3.4%
Max Positive	13.2%	19.1%	24.4%
Max Negative	-6.9%	-11.1%	-9.7%

	Forward Returns
10/14/2025	3.9%
7/15/2025	3.7%	5.9%	10.1%
4/15/2025	1.8%	2.1%	20.0%
1/15/2025	6.5%	11.1%	12.5%
10/15/2024	-5.1%	-6.3%	5.5%
4/12/2024	-1.7%	-3.9%	5.6%
1/10/2024	-1.8%	-3.6%	2.8%
10/13/2023	-0.2%	-3.5%	2.6%
7/14/2023	-4.0%	-0.6%	-5.4%
4/14/2023	4.8%	4.4%	-2.9%
1/13/2023	1.7%	4.1%	4.9%
10/14/2022	0.7%	-0.1%	18.2%
7/15/2022	13.2%	19.1%	24.4%
4/14/2022	1.6%	4.9%	-4.0%
1/14/2022	-1.3%	-6.7%	-1.2%
10/14/2021	0.8%	2.2%	-1.3%
7/14/2021	-0.3%	-3.0%	9.5%
1/15/2021	-6.9%	-11.1%	-6.3%
10/13/2020	-4.8%	-6.5%	5.1%
7/14/2020	-3.9%	-3.9%	4.0%
4/15/2020	-5.6%	-8.5%	-9.7%
1/14/2020	1.6%	-0.9%	-1.0%
SUMMARY STATS
# Positive	11	8	13
# Negative	11	14	9
Median Positive	1.8%	4.7%	5.6%
Median Negative	-3.9%	-3.9%	-3.4%
Max Positive	13.2%	19.1%	24.4%
Max Negative	-6.9%	-11.1%	-9.7%

SEC Filings

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Report Date	Filing Date	Filing
6302025	8062025	10-Q 6/30/2025
3312025	5082025	10-Q 3/31/2025
12312024	2212025	10-K 12/31/2024
9302024	11072024	10-Q 9/30/2024
6302024	8022024	10-Q 6/30/2024
3312024	5032024	10-Q 3/31/2024
12312023	2232024	10-K 12/31/2023
9302023	11032023	10-Q 9/30/2023
6302023	8042023	10-Q 6/30/2023
3312023	5052023	10-Q 3/31/2023
12312022	2272023	10-K 12/31/2022
9302022	11042022	10-Q 9/30/2022
6302022	8042022	10-Q 6/30/2022
3312022	5092022	10-Q 3/31/2022
12312021	2282022	10-K 12/31/2021
9302021	11082021	10-Q 9/30/2021

Insider Activity

Expand for More

	Owner	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	Henry Peter B.	7182025	Sell	90.40	3,000	271,209	193,500	Form
1	DUGAN JOHN CUNNINGHAM	5022025	Sell	68.26	4,417	301,493	890,645	Form
2	Henry Peter B.	11132024	Sell	69.97	13,000	909,675	211,503	Form

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2	SeekingAlpha	ValueLine
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6	YCharts	Perplexity Finance
7	FinViz

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Citigroup (C)

Market Price (10/19/2025): $97.34 | Market Cap: $180.7 BilSector: Financials | Industry: Diversified Banks

Citigroup (C)

Market Price (10/19/2025): $97.34Market Cap: $180.7 BilSector: FinancialsIndustry: Diversified Banks

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Market Price (10/19/2025): $97.34 | Market Cap: $180.7 Bil
Sector: Financials | Industry: Diversified Banks

Market Price (10/19/2025): $97.34
Market Cap: $180.7 Bil
Sector: Financials
Industry: Diversified Banks