Citigroup (C) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Citigroup

NYSE•Financial Services•Banks - Diversified

$132.70-0.25(<0.01%)After hours

Market Cap

$225.71B

P/E

12.7x

P/S

1.3x

P/B

1.1x

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.

How this company scores

AverageMetricSide Score: 52/100

Strongest: Profitability (19/25); weakest: Cash & Earnings Quality (4/25).

Profitability19/25

Growth17/25

Balance Sheet & Red Flags12/25

Cash & Earnings Quality4/25

Strengths

Rising earningsProfit converts from growthImproving marginsNo share dilution

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.7x5y range 5.3x – 15.2x

Currently near its 20-quarter median.

P/S · 1.3x5y range 0.5x – 1.8x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.4x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

Free cash flow has been negative in 6 of the last 8 quarters — earnings are not translating to cash.

Cash Burn

Watch

6 of the last 8 quarters had negative FCF — inconsistent cash generation raises sustainability concerns.

Price & Volume

Market Cap $225.71B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $174.40B
Q. Revenue: $45.30B
TTM EBITDA: $24.71B
TTM Op. Income: $24.71B
Q. Op. Income: $8.03B
TTM Net Income: $17.84B
Q. Net Income: $5.83B
EPS: $3.2
Shares Out.: $1.70B

$174.40B in TTM revenue grew 3.9% YoY, reaching $45.30B last quarter. TTM EBITDA of $24.71B and TTM operating income of $24.71B show growth is flowing through to the bottom line. TTM net income of $17.84B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 17.7%
Op. Margin: 17.7%
Net Margin: 12.9%

Op. margin of 17.7% is up 5.4% YoY — cost efficiency is improving. Net margin at 12.9% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.7x
P/S Ratio: 1.3x
P/B Ratio: 1.1x

At 12.7x P/E, the stock trades below typical market levels. P/S of 1.3x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 14% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.89T
Cash: $24.66B
Long-Term Debt: $333.75B
Book Value: $212.01B
D/E Ratio: 1.6
Debt/EBITDA: 41.6

With $2.89T in assets and $333.75B in long-term debt, D/E is 1.6and book value is $212.01B — moderate leverage. Over the past year, debt/equity is up 6% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-24.08B
TTM Free Cash Flow: $-24.51B
FCF Margin: -14.1%
FCF / Net Income: -1.4

TTM FCF of $-24.51B on $-24.08B in operating cash flow. The FCF / Net Income ratio of -1.4x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.