Citigroup Inc. (C) Stock Price & Analysis
Citigroup Inc. (C) is trading at USD 121.04, down 1.20% today, as of October 23, 2026 at 16:38 UTC (US market open; quotes may be delayed), according to Nexqual market data.
C last closed at USD 122.51; today's session has ranged USD 119.98–121.54 on volume of 2,787,377 shares. Market capitalization is $203.04B, with a 52-week range of USD 95.83–147.96 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 16:38 UTC.
Also available as compact Markdown for AI agents: nexqual.com/C.md
Key facts (C)
- Last four reported quarters (through Jun 30, 2026): revenue $91.4B, net income $17.8B (19.5% margin) (SEC filings).
- Valuation: P/E 11.4x (avg 12.3x at the last 3 fiscal year-ends).
- 8 of 80 tracked superinvestors hold C (13F, Q2 2026): 0 new, 0 added, 6 reduced, 2 unchanged.
- Insider open-market sales, last ~7 months: 3 Form 4 filings, $5.2M; 3 not under a Rule 10b5-1 plan ($5.2M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (23 analysts), mean target USD 151 (range 127–170).
- Total return with dividends: 1Y +27.8% vs S&P 500 +14.6%; 5Y +106.1% vs S&P 500 +77.3%.
- Next earnings: 2027-01-14, EPS estimate USD 2.29, revenue estimate $22.9B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (C)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B | $91.4B |
| Net income | $22.0B | $14.8B | $9.23B | $12.7B | $14.3B | $17.8B |
| EPS (diluted) | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 | — |
| Free cash flow | $43.0B | $19.4B | -$80.0B | -$26.2B | -$74.2B | -$24.5B |
| Net margin | 30.5% | 19.7% | 11.8% | 15.7% | 16.8% | 19.5% |
| Revenue growth | -4.8% | +4.8% | +3.6% | +3.4% | +5.6% | — |
| Cash + short-term investments | $262B | $342B | $261B | $277B | $350B | — |
| Total debt | $282B | $319B | $324B | $336B | $368B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (C)
P/E 11.4x · P/S 2.2x · P/B 1.0x · FCF yield -12.07% · Earnings yield 8.79% · Dividend yield (paid, TTM) 2.68% · Buyback yield (TTM) 9.75%
P/E at fiscal year-ends: Dec 2025 15.3x, Dec 2024 10.8x, Dec 2023 10.9x.
Superinvestors (SEC 13F-HR, Q2 2026) (C)
8 of 80 tracked investors hold C. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Kahn Brothers | Kahn Brothers Group | 16.91% | $95.4M | Unchanged |
| Samantha McLemore | Patient Capital Management | 6.53% | $196M | Reduced -0.7% |
| First Pacific Advisors | 5.30% | $422M | Reduced -5.0% | |
| Harry Burn | Sound Shore | 2.65% | $86.2M | Reduced -20.4% |
| Richard Pzena | Pzena Investment Management | 2.28% | $777M | Reduced -32.1% |
| Francis Chou | Chou Associates | 2.11% | $4.6M | Unchanged |
| Bill Nygren | Oakmark Funds | 1.63% | $1.22B | Reduced -5.6% |
| Sarah Ketterer | Causeway Capital Management | 0.70% | $64.2M | Reduced -27.7% |
Insider sales (SEC Form 4, open-market, last ~7 months) (C)
0 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-05-08 | Dugan John Cunningham | Director | 2,117 | $265K | 4.5% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-04-15 | Skyler Edward | Hd of Ent Svc & Public Affairs | 25,000 | $3.3M | 12.1% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-04-15 | Giles Nicole | CHIEF ACCOUNTING OFFICER | 12,732 | $1.7M | 11.5% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (C)
Consensus Buy (mean 2.00 on a 1–5 scale), 23 analysts; mean target USD 151 (low 127, high 170).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-14 | Evercore ISI Group | Target lowered | In-Line | $140 → $135 |
| 2026-10-14 | TD Cowen | Target lowered | Buy | $150 → $148 |
| 2026-10-14 | RBC Capital | Target lowered | Outperform | $150 → $135 |
| 2026-10-05 | UBS | Target lowered | Neutral | $142 → $139 |
| 2026-10-02 | JP Morgan | Target lowered | Overweight | $149 → $147 |
| 2026-10-01 | Evercore ISI Group | Target raised | In-Line | $135 → $140 |
| 2026-09-28 | HSBC | Target raised | Buy | $161 → $164 |
| 2026-08-03 | UBS | Target lowered | Neutral | $150 → $142 |
| 2026-07-17 | Evercore ISI Group | Target lowered | In-Line | $143 → $135 |
| 2026-07-15 | RBC Capital | Reiterated | Outperform | $150 |
| 2026-07-15 | Truist Securities | Target lowered | Buy | $158 → $154 |
| 2026-07-07 | B of A Securities | Target raised | Buy | $170 → $176 |
Total return (dividends reinvested) (C)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +27.8% | +106.1% |
| S&P 500 (SPY) | +14.6% | +77.3% |
| Per year | +27.9% | +15.6% |
| Volatility (annualized) | 29.4% | 30.5% |
| Max drawdown | -16.5% (Jun 2026→Oct 2026) | -40.6% (Oct 2021→Oct 2023) |
C revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Markets | $7.01B | 28.3% | +17.2% |
| Services | $6.38B | 25.8% | +17.5% |
| USCC | $4.52B | 18.3% | +1.1% |
| Wealth | $3.18B | 12.8% | +12.9% |
| Banking | $1.92B | 7.8% | +34.0% |
| Total revenue | $24.77B | 100% | — |
C revenue by region (fiscal year ended Dec 31, 2025)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| In North America offices | $44.01B | 51.6% | +10.7% |
| International | $42.30B | 49.6% | +4.9% |
| United Kingdom | $7.60B | 8.9% | +13.4% |
| Total revenue | $85.22B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
C suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | FAIR ISAAC CORP (FICO) | “(1)Excludes immaterial balances for Canada and for customers for which no FICO scores are available.” |
Quoted from the company's 10-K filed Feb 20, 2026.
Companies that name C in their SEC reports
| Relationship to C | Company | Filing | Sentence |
|---|---|---|---|
| partner | BANK OF CHILE (BCH) | 20-F Apr 30, 2026 | “into a strategic partnership with Citigroup Inc., as a result of our merger with Citibank Chile.” |
| partner | Flywire Corp (FLYW) | 10-K Feb 24, 2026 | “Payments are made through direct connections to global, regional and local banks or through relationships with our payments partners including Citigroup Inc. These connections and relationships help us create local clearing hubs which enable our clients and their customers to have a local payments experience.” |
C company outlook (results filed Oct 13, 2026)
- “We expect to exceed this year's return target, even as we pull forward investments toward our 11-13% near-term goal —the next waypoints on our path to sustainable returns of 14-15%," Ms.”
- “Excluding the notable item in the prior-year period, expenses were up 3% (3) . Citigroup provision for credit losses was $2.6 billion, reflecting $2.2 billion of net credit losses and a net reserve build of $369 million, driven by changes in the macroeconomic outlook and portfolio growth.”
Quoted word-for-word from the SEC 8-K results press release.
C analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $2.29 | $2.32 | -1.4% | $22.89B | 8 |
| Next quarter (ends Mar 2027) | $3.29 | $3.34 | -1.5% | $25.34B | 5 |
| Current fiscal year (ends Dec 2026) | $11.40 | $11.09 | +2.7% | $95.94B | 9 |
| Next fiscal year (ends Dec 2027) | $13.05 | $12.81 | +1.9% | $100.08B | 12 |
C options: expected move
Options price a move of about ±11.0% (±$13.35) by Jan 15, 2027, which includes earnings on Jan 14, 2027; the earnings reaction alone is priced at about ±2.9%. Over the last 4 reports the stock moved ±4.2% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Oct 30, 2026 | 7 | 28.7% | ±3.2% |
| Nov 6, 2026 | 14 | 29.6% | ±4.8% |
| Nov 13, 2026 | 21 | 30.3% | ±5.8% |
| Nov 20, 2026 | 28 | 28.5% | ±6.3% |
| Nov 27, 2026 | 35 | 28.3% | ±7.0% |
| Dec 4, 2026 | 42 | 28.0% | ±7.6% |
| Dec 18, 2026 | 56 | 28.0% | ±8.8% |
| Jan 15, 2027 | 84 | 28.8% | ±11.0% |
30-day implied volatility 28.3% vs 26.3% realized over the last 30 trading days. Put/call ratio (volume) 1. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 16:38 UTC)
| Price | USD 121.04 |
|---|---|
| Change | ▼ 1.20% (down) |
| Previous Close | USD 122.51 |
| Open | USD 121.16 |
| Day Range | USD 119.98 – 121.54 |
| 52-Week Range | USD 95.83 – 147.96 |
| Volume | 2,787,377 shares |
| Market Cap | $203.04B |
| Exchange | NYQ |
Technical Analysis (C)
Nexqual's technical model rates C "SELL" based on 1 bullish and 5 bearish signals across 128 daily candles, as of October 23, 2026 at 16:38 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 34.11 (neutral) |
| vs SMA50 | Below (USD 131.25) |
| MACD | -2.82 (negative) |
Analyst Ratings (C)
Wall Street analysts rate C "Buy" based on 23 analysts, with a mean price target of USD 151 (range USD 127–170), per Nexqual as of October 23, 2026 at 16:38 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 23 |
| Mean Target | USD 151 |
| High Target | USD 170 |
| Low Target | USD 127 |
| Buy / Hold / Sell | 18 / 5 / 0 |
Earnings (C)
| Next Earnings Date | 2027-01-14 |
|---|---|
| EPS Estimate | USD 2.29 |
| Revenue Estimate | $22.89B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 2.83 vs est 2.62 ▲ beat |
| 2026-06-30 | USD 3.14 vs est 2.71 ▲ beat |
| 2026-03-31 | USD 3.06 vs est 2.6 ▲ beat |
| 2025-12-31 | USD 1.24 vs est 1.62 ▼ miss |
Source: Nexqual, October 23, 2026 at 16:38 UTC.
Financials & Fundamentals (C)
| Total Revenue | $83.30B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +8.00% |
| Gross Margin | +0.00% |
| Operating Margin | +34.11% |
| Profit Margin | +23.21% |
| ROE | +9.35% |
| Total Cash | $1.40T |
| Total Debt | $817.48B |
Source: Nexqual, October 23, 2026 at 16:38 UTC.
Financial Health Score (C)
Nexqual rates Citigroup Inc.'s overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 16:38 UTC.
| Growth | Solid — Revenue +5% YoY (annual) |
|---|---|
| Profitability | Solid — Net margin 15% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Mixed — ROE 9%, ROA 0.7% |
Ownership (C)
| Insider Ownership | +0.27% |
|---|---|
| Institutional Ownership | +83.18% |
| Shares Outstanding | 1.68B |
| Float | 1.65B |
| Short % of Float | +1.26% |
Source: Nexqual, October 23, 2026 at 16:38 UTC.
Leadership (C)
Citigroup Inc. is led by Jane Nind Fraser, CEO & Chair of the Board, per Nexqual as of October 23, 2026 at 16:38 UTC.
| CEO & Chair of the Board | Jane Nind Fraser |
|---|---|
| Executive Vice Chairman and Senior Executive Advisor to Chair & CEO | Mark A.L. Mason |
| Executive Vice Chairman & Head of Banking | Viswas Raghavan |
| Chief Financial Officer | Gonzalo Luchetti |
| Chief Operating Officer | Anand Selvakesari |
Major Backers & Investors (C)
Notable institutional backers of Citigroup Inc. include Fisher Asset Management, LLC, Franklin Resources, Inc., Capital Group, according to Nexqual as of October 23, 2026 at 16:38 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Fisher Asset Management, LLC | 2.14% |
| Franklin Resources, Inc. | 2.11% |
| Capital Group | 1.97% |
| FMR, LLC | 1.86% |
| Morgan Stanley | 1.65% |
| Fidelity | 1.3% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 8.77% |
| Vanguard Group | 8.19% |
| State Street | 4.57% |
| Geode Capital | 2.41% |
Source: Nexqual, October 23, 2026 at 16:38 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| TD | Toronto Dominion Bank (The) | USD 124.11 | ▼ 0.81% |
| SAN | Banco Santander, S.A. Sponsored | USD 12.81 | ▼ 0.74% |
| MUFG | Mitsubishi UFJ Financial Group, | USD 21 | ▼ 1.94% |
| WFC | Wells Fargo & Company | USD 82.37 | ▼ 0.77% |
| SMFG | Sumitomo Mitsui Financial Group | USD 23.76 | ▼ 1.37% |
| RY | Royal Bank Of Canada | USD 200.42 | ▼ 0.81% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 16:38 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt