Citigroup Inc. C
Financial Services · Banks - Diversified · United States · S&P 500
Based on the available data, Citigroup Inc. gets an algorithmic score of 64/100. It trades at 130.80 $, with a bullish technical trend (RSI 42.0) and 29.5% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (21.8%): pricing power / competitive advantage.
- Low valuation (P/E 10.1).
Weaknesses
- Negative free cash flow.
Fundamentals
| P/E | 14.11 |
| Forward P/E | 10.13 |
| PEG | 0.60 |
| P/B | 1.14 |
| P/S | 2.69 |
| ROE % | 8.53 |
| ROA % | 0.66 |
| Gross margin % | 0.00 |
| Operating margin % | 36.23 |
| Net margin % | 21.83 |
| Revenue growth % (y/y) | 15.50 |
| Earnings growth % (y/y) | 61.00 |
| Revenue CAGR % | 4.59 |
| Earnings CAGR % | -1.23 |
| FCF yield % | -33.80 |
| Dividend yield % | 2.05 |
| Payout % | 25.86 |
Returns
| 1 month | -1.6 % |
| 3 months | -6.1 % |
| 6 months | +23.1 % |
| YTD | +11.9 % |
| 1 year | +29.1 % |
| 3 years | +250.4 % |
| 5 years | +131.8 % |
Risk
| 1-year volatility | 29.5 % |
| Beta | 1.26 |
| 5-year max drawdown | -43.0 % |
| Sharpe 1A | 0.88 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.