Citigroup (C) Stock Analysis

July 31, 2026

This is a peer-relative look at Citigroup (C): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Citigroup (C)
Profile Item	C
Name	Citigroup Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Diversified Banks
Market Capitalization	221.95 billion USD
Currency	USD
Exchange	NYSE
Listing Date	January 3, 1977
Security Type	Common Stock

Price Performance

Cumulative Growth

GSPC

Citigroup (C) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Citigroup (C) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Citigroup (C) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
Total Return (1Y)	41.24%	36.01%
Total Return (3Y, Annualized)	45.48%	21.71%
Total Return (5Y, Annualized)	18.22%	12.07%

Risk Profile

Drawdown History

GSPC

Citigroup (C) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Citigroup (C) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
Volatility (1Y, Annualized)	29.27%	26.46%
Beta (5Y)	1.13	0.71
Max Drawdown (5Y)	-44.31%	-43.52%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. C is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
Sharpe Ratio (1Y)	1.27	1.23
Sortino Ratio (1Y)	1.89	1.90

Profitability

ROE (TTM)

Citigroup (C) posts ROE of 8.53%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

C

Banks industry group

8.53%

Group distribution

Max: 19.49%
Q3: 13.35%
Median: 11.11%
Q1: 9.25%
C: 8.53%
Min: 3.19%

Largest peers

JPM: 17.79%
RY: 16.20%
WFC: 12.58%
HSBC: 11.61%
BAC: 11.20%
MUFG: 9.40%
C: 8.53%

Where Citigroup (C) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Citigroup (C) keeps 21.83% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

C

Banks industry group

21.83%

Group distribution

Max: 47.26%
Q3: 34.92%
Median: 30.75%
Q1: 26.51%
C: 21.83%
Min: 14.41%

Largest peers

HSBC: 34.98%
JPM: 34.92%
RY: 33.69%
BAC: 29.52%
WFC: 27.23%
MUFG: 25.77%
C: 21.83%

Where Citigroup (C) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Citigroup (C) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
ROE (TTM)	8.53%	11.11%
ROA (TTM)	0.66%	1.20%
Net Margin (TTM)	21.83%	30.75%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Citigroup (C) grew revenue 5.63%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Citigroup (C): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Citigroup (C) grew earnings per share 17.68%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Citigroup (C): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
Revenue Growth (YoY)	5.63%	11.20%
Revenue Growth (3Y CAGR)	4.59%	6.24%
EPS Growth (YoY)	17.68%	16.12%
EPS Growth (3Y CAGR)	-0.05%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Citigroup (C) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Citigroup (C) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Citigroup (C) has dividend yield of 1.89%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

C

Banks industry group

1.89%

Group distribution

Max: 6.21%
Q3: 3.05%
Median: 2.10%
C: 1.89%
Q1: 0.89%
Min: 0.00%

Largest peers

MUFG: 391.98%
RY: 3.08%
WFC: 2.15%
C: 1.89%
BAC: 1.83%
JPM: 1.74%
HSBC: 0.73%

Where Citigroup (C) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Citigroup (C) has payout ratio of 25.86%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

C

Banks industry group

25.86%

Group distribution

Max: 77.19%
Q3: 42.22%
Median: 28.73%
C: 25.86%
Q1: 18.82%
Min: 0.00%

Largest peers

HSBC: 61.98%
RY: 41.35%
WFC: 26.16%
BAC: 25.87%
C: 25.86%
JPM: 25.71%
MUFG: 15.74%

Where Citigroup (C) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
Dividend Yield (TTM)	1.89%	2.10%
Dividend Payout Ratio (TTM)	25.86%	28.73%

Valuation

P/E Ratio (TTM)

Citigroup (C) trades at P/E ratio of 13.70, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

C

Banks industry group

13.70

Group distribution

Max: 21.36
Q3: 15.52
C: 13.70
Median: 12.99
Q1: 11.53
Min: 5.96

Largest peers

RY: 18.98
HSBC: 16.94
MUFG: 16.92
JPM: 14.77
BAC: 14.09
C: 13.70
WFC: 12.19

Where Citigroup (C) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Citigroup (C) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Citigroup (C) trades at 1.15 on P/B ratio, in the lower book-value quartile for its industry. Investors are paying less for the balance-sheet equity than they pay for most peers, with returns on that equity still central to the read.

C

Banks industry group

1.15

Group distribution

Max: 2.30
Q3: 1.63
Median: 1.36
Q1: 1.16
C: 1.15
Min: 0.68

Largest peers

HSBC: 8.42
RY: 3.18
JPM: 2.64
MUFG: 2.12
WFC: 1.61
BAC: 1.57
C: 1.15

Where Citigroup (C) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Citigroup (C) metric values compared with Banks industry-group medians
Metric	Current stock: C	Industry group median
P/E Ratio (TTM)	13.70	12.99
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.15	1.36
Free Cash Flow Yield (TTM)	--	--