Citigroup Inc.
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…
What to know about C
Citigroup Inc. is a Financial Services company with a mixed financial profile. It scores well on size and growth, but cash flow is worth keeping an eye on.
Should you consider C?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Citigroup Inc. is a Financial Services company with a mixed overall financial profile — it ranks near the bottom of Financial Services stocks (65 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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Growth is a clear strength — revenue and earnings are expanding faster than most peers, signalling strong demand for the company's products or services.
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There is a small dividend (0.02%), but income-focused investors will likely find better yields elsewhere in the market.
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Volatility is close to the S&P 500 average — typical market swings, nothing unusual.
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On balance the positives outweigh the concerns — worth a closer look if Financial Services fits your investment goals.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how C compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 17.68 | Above avg |
| Forward P/E | 11.42 | Top 25% |
| PEG Ratio | 0.79 | Top 25% |
| Price to Sales | 3.10 | Above avg |
| Price to Book | 1.27 | Top 25% |
| EV/EBITDA | — | N/A |
| Earnings Yield | 5.65% | Above avg |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 0.00% | Below avg |
| Operating Margin | 34.08% | Top 25% |
| Net Profit Margin | 20.36% | Above avg |
| Return on Equity | 7.65% | Below avg |
| Return on Invested Capital | 0.61% | Below avg |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 15.90% | Top 25% |
| Revenue Growth (3Y CAGR) | 4.59% | Average |
| EPS Growth (YoY) | 56.10% | Top 25% |
| Free Cash Flow Growth | 183.36% | Top 25% |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | — | N/A |
| Debt to Equity | — | N/A |
| Interest Coverage | — | N/A |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 1.68% | Average |
| Payout Ratio | 29.17% | Above avg |
| Dividend Growth (5Y) | -10.07% | Average |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | -15.25% | Below avg |
| OCF to Sales | -34.96% | Below avg |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 1.11 | Average |
| Volatility (30-Day) | 27.21% | Above avg |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 0.04% | Top 25% |
| Avg. Analyst Rating | 1.59 | Top 25% |
| Target Upside % | 2.70% | Below avg |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 244B | Top 25% |
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