# Citigroup Inc. (C) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $122.71, market value $203.1 billion.

## Valuation
- **P/E (trailing): 12.0×** (5-yr avg 10.1×, 3-yr avg 13.3×). Citigroup Inc. trades at 12.0× trailing earnings, close to its own five-year average of 10.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.53**. A PEG of 0.53 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.2×**. Each dollar of revenue is priced at 2.2×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -12.1%** (5-yr avg -14.9%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Net margin: 16.8%**. 16.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.7%**. 6.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 5.6%** (3-yr 4.2%/yr, 5-yr 2.5%/yr). Revenue grew 5.6% over the last year, against 2.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 17.7%** (3-yr -0.0%/yr, 5-yr 8.2%/yr). Earnings per share rose 17.7%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 2.18%** ($2.47 per share, trailing). Citigroup Inc. yields 2.18%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 38%**. 38% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 2.6%/yr** (1-yr 6.4%). The dividend has grown 2.6% a year over five years.

## Analyst view
- **Analyst consensus: buy** (21 analysts). 21 analysts cover Citigroup Inc.; the consensus is buy, with an average price target of $150.83 (+23% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 23.5%** (YTD 6.5%, 3-mo -7.8%). The shares are up 23.5% over twelve months including dividends.
- **From 52-week high: -17.1%** (28.0% above the low). Trading 17% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 1.31** (volatility 29%). Beta of 1.31 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=C · Page: https://foliofundamentals.com/stocks/c

Not investment advice.