Citigroup Inc. (C) Stock: Price, Forecast & Analyst Target
Citigroup Inc. (C) — MoonshotScore 33/100 (Weak band), calculated Oct 4, 2026. Price $128.50 (+1.18%), as of the Oct 2, 2026 trading session; market cap $220B. Expected results Oct 13, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Citigroup Inc. · C · NYSE · Financial Services · Banks - Diversified
Research dated 2026-09-12: Citigroup combines global cash management and securities servicing with institutional trading, investment banking, wealth management, and consumer cards. Its case depends on whether the recent profit acceleration can endure as investment and severance spending rises.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Citigroup (C)
WeakWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
A fragile balance sheet, though quality and growth are only middling. Business Quality: Average; Financial Safety: Strained; Valuation: Full; Growth Durability: Flat; Momentum: Quiet.
- quarterly revenue $45.30B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- expected results Oct 13, 2026
Holding back: balance-sheet strain
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 34 | Weak | |
| 33 | Weak | |
| 34 | Weak | |
| 34 | Weak | |
| 33 | Weak | |
| 33 | Weak |
The score was 33 in the stored Oct 3, 2026 snapshot and remains 33 in the current publication computed Oct 4, 2026 (0); the largest pillar moves were Growth Durability -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $128.50 | |
| Change on the day | +1.18% | |
| 52-week range | $93.66 – $147.96 | |
| Market capitalisation | $220B | |
| Price / earnings (trailing) | 13.63 | |
| Shares traded on the day | 7.61M | |
| Beta (volatility vs the S&P 500) | 1.1 | |
| Dividends per share (last 12 months) | $2.47 | |
| Dividend yield (last 12 months) | 1.92% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
Having said that, we continue to target an ROTCE of 10-11% for the full year, supported by: NII ex-markets growth of approximately 5-6% and continued NIR ex markets growth driven by momentum in services banking and wealth partially offset by USCC.
Gonzalo Luchetti · Statement from
And as we have said before, we expect our full year efficiency ratio to be around 60%, as we ramp up investments across the businesses in the second half and incur additional severance as we target future efficiencies.
Gonzalo Luchetti · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Citigroup (C): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
4-Factor Breakdown
Legends Council
4 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 24, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the C film — every key number, told as a short cinematic story
~2 min · open the film
What is Citigroup (C), and what does it report?
Short answer · as of
Citigroup, Inc. is a holding company, which engages in the provision of financial products and services.
Research dated 2026-09-12.
Citi is not merely a branch-led lender. Services sells treasury, trade, working-capital, custody, and post-trade capabilities to multinational companies, financial institutions, and public-sector clients; Markets handles trading, while Banking, Wealth, and U.S. Personal Banking add advisory, lending, investments, and cards.
Reported totals blend businesses with very different demand drivers. Markets, Services, and U.S. Personal Banking are all material contributors, so changes in trading activity, transaction flows, corporate finance, wealth demand, and card economics can move the group in different directions.
What do the latest results show for Citigroup (C)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $45.30B.
Research dated 2026-09-12.
The latest reported period extended a sharp recovery from the year-end trough: revenue, gross profit, operating result, net income, and diluted earnings improved from the prior period, while selling and administrative expense eased. Revenue and earnings have also exceeded estimates repeatedly since the year-end miss.
Management ties the intended full-year path to growth in net interest income outside Markets and continued non-interest revenue momentum in Services, Banking, and Wealth, partly offset by USCC. That explanation comes with a cost warning: business investment and severance expense are expected to rise later in the year.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $45.30B Jun 30, 2026
- Latest quarter · net income
- $5.83B Jun 30, 2026
- Latest quarter · EPS
- $3.1500 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $45.30B | $5.83B | $3.1500 (diluted) |
| Mar 31, 2026 | $44.44B | $5.79B | $3.0600 (diluted) |
| Dec 31, 2025 | $40.65B | $2.47B | $1.1900 (diluted) |
| Sep 30, 2025 | $43.84B | $3.75B | $1.8600 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $24.77B Jul 14, 2026
- Latest report · revenue estimate
- $23.74B Jul 14, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 14, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 14, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 14, 2026 | $24.77B | $23.74B | $3.1500 | $2.7200 |
| Apr 14, 2026 | $24.63B | $23.60B | $3.0600 | $2.6500 |
| Jan 21, 2026 | $19.87B | $20.95B | $1.1900 | $1.8000 |
| Nov 6, 2025 | $22.09B | $21.09B | $1.8600 | $1.7300 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $45.30B | $5.83B | $3.15 (diluted) |
| Q1 FY2026 | $44.44B | $5.79B | $3.06 (diluted) |
| Q4 FY2025 | $40.65B | $2.47B | $1.19 (diluted) |
| Q3 FY2025 | $43.84B | $3.75B | $1.86 (diluted) |
What are the financial strengths and risks for Citigroup (C)?
Short answer · as of
What is holding it back is balance-sheet strain.
Research dated 2026-09-12.
Cash and short-term investments exceed total debt, the balance has risen substantially across recent periods, and additional long-term investments enlarge the reported resource base. Leverage remains high, however, and returns on assets and equity leave limited room for execution slippage.
Operating cash flow has swung between large inflows and outflows while capital spending remained comparatively steady. A mechanical runway calculation therefore looks ample, but it should not be treated as a stable burn-rate measure; the more relevant risk is that planned investment and severance costs outrun revenue momentum and weaken operating profitability.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- −$24.08B Jun 30, 2026
- Previous quarter · operating cash flow
- −$21.87B Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | −$24.08B | −$1.55B |
| Mar 31, 2026 | −$21.87B | −$1.42B |
| Dec 31, 2025 | $26.55B | −$1.63B |
| Sep 30, 2025 | $1.10B | −$1.62B |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at Citigroup (C)?
Short answer · as of
The next earnings report is expected on Oct 13, 2026.
Research dated 2026-09-12.
At the scheduled earnings release, watch whether revenue and diluted earnings remain above expectations, whether the sequential profit recovery holds, and whether Services, Banking, and Wealth momentum continues to outweigh USCC pressure.
Expense behavior deserves equal attention. Management expects structural efficiencies to help fund near-term investment, so operating profit holding up as investment and severance costs rise would support that claim; costs advancing faster than revenue would challenge it. Longer-range consensus assumes continued revenue and earnings growth, making estimate revisions another useful signal.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
Having said that, we continue to target an ROTCE of 10-11% for the full year, supported by: NII ex-markets growth of approximately 5-6% and continued NIR ex markets growth driven by momentum in services banking and wealth partially offset by USCC.
Gonzalo Luchetti ·
And as we have said before, we expect our full year efficiency ratio to be around 60%, as we ramp up investments across the businesses in the second half and incur additional severance as we target future efficiencies.
Gonzalo Luchetti ·
While we may not provide exact guidance on what we expect from second half of severance, let me recap a little bit what we had said and the position that we are in now.
Gonzalo Luchetti ·
Obviously, sitting here now and to the point that Jane and I were making, we will still be open minded about the second half if we see opportunities If I anchor it back to what we said a couple of months ago at Investor Day, remember, what I said about structural efficiencies to help fund those investments that we wanna make over the near term.
Gonzalo Luchetti ·
How does Citigroup compare with its peers?
Short answer
Citigroup's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Against a domestic retail-bank archetype, Citi carries much greater exposure to cross-border transaction services and institutional markets activity. Markets and Services sit alongside a substantial card franchise rather than around the edges of the group.
Against a specialist investment bank, Citi also owns branded, co-branded, and private-label card portfolios plus retail and wealth operations. Peer comparisons therefore need separate judgments on transaction services, trading, corporate banking, wealth, and cards rather than relying on a broad diversified-bank label.
| Company | Price | Market value | Score |
|---|---|---|---|
| $26.98 Oct 2, 2026 | $149B | 96 5-pillar Oct 4, 2026 | |
| $23.71 Oct 2, 2026 | $79.9B | 86 5-pillar Oct 4, 2026 | |
| $13.36 Oct 2, 2026 | $196B | 79 5-pillar Oct 4, 2026 | |
| $91.19 Oct 2, 2026 | $111B | 79 5-pillar Oct 4, 2026 | |
| $117.88 Oct 2, 2026 | $199B | 77 5-pillar Oct 4, 2026 | |
| $53.75 Oct 2, 2026 | $381B | 76 5-pillar Oct 4, 2026 | |
| $195.67 Oct 2, 2026 | $272B | 73 5-pillar Oct 4, 2026 | |
| $165.70 Oct 2, 2026 | $116B | 72 5-pillar Oct 4, 2026 | |
| $111.02 Oct 2, 2026 | $103B | 67 5-pillar Oct 4, 2026 | |
| $80.45 Oct 2, 2026 | $243B | 61 5-pillar Oct 4, 2026 | |
| $22.82 Oct 2, 2026 | $257B | 59 5-pillar Oct 4, 2026 | |
| $25.40 Oct 2, 2026 | $161B | 53 5-pillar Oct 4, 2026 | |
| Citigroup (C) — this page | $128.50 | $220B | 33 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $139.00 – $165.00
- Consensus target
- $151.08
- Median target
- $150.50
Consensus record · Captured .
Measured against a quoted price of $128.50 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Oct 1, 2026
- Transactions
- 40
- Identified insiders
- 13
- Purchases
- 0
- Sales
- 3
- Other transactions
- 37
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 77.7% Period end Jun 30, 2026
- Previous quarter · ownership
- 73.0% Prior to period end Jun 30, 2026
- Reporting holders
- 2,772 Period end Jun 30, 2026
- Previous quarter · holders
- 2,604 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 149,509,189 |
| Vanguard Capital Management LLC | 107,230,182 |
| State Street Corp | 77,908,419 |
| Geode Capital Management, LLC | 41,054,866 |
| Fisher Asset Management, LLC | 36,456,162 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What Investors Ask About Citigroup (C) — Financial Services
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
What does Citi Treasury and Trade Solutions sell?
It provides cash management, trade, and working-capital tools for multinational companies, financial institutions, and public-sector organizations. Demand is tied to clients moving money, managing liquidity, and conducting cross-border commerce.
Why can Citi show negative operating cash flow while net income remains positive?
Citi’s operating cash-flow series repeatedly swings between large inflows and outflows even when reported earnings remain positive. That pattern makes a simple corporate burn-rate interpretation unreliable.
Can Citi Services, Banking, and Wealth momentum offset USCC pressure?
Management expects momentum in those businesses to support non-interest revenue while USCC remains a partial offset. Confirmation requires that the momentum persist as planned investment and severance costs increase.
Why are Citi Markets and Services central rather than ancillary businesses?
Their reported revenue makes them major pillars beside U.S. Personal Banking. Citi’s earnings mix therefore depends materially on institutional trading, treasury, trade, custody, and post-trade activity.
What is the C stock price today?
The last price recorded on this page for Citigroup Inc. (C) is $128.50, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the C price target?
The analyst consensus price target for Citigroup Inc. (C) is $151.08 (range $139.00 to $165.00, median $150.50), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
When are C's next earnings?
The next earnings date listed on this page for Citigroup Inc. (C) is Oct 13, 2026. Companies sometimes move report dates, so the company's own announcement is the final word on timing.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (74 figures)
The 74 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Gonzalo Luchetti (Jul 14, 2026): Having said that, we continue to target an ROTCE of 10-11% for the full year, supported by: NII ex-markets growth of approximately 5-6% and continued NIR ex markets growth driven by momentum in services banking and wealth partially offset by USCC. Gonzalo Luchetti (Jul 14, 2026): And as we have said before, we expect our full year efficiency ratio to be around 60%, as we ramp up investments across the businesses in the second half and incur additional severance as we target future efficiencies. Gonzalo Luchetti (Jul 14, 2026): While we may not provide exact guidance on what we expect from second half of severance, let me recap a little bit what we had said and the position that we are in now. Gonzalo Luchetti (Jul 14, 2026): Obviously, sitting here now and to the point that Jane and I were making, we will still be open minded about the second half if we see opportunities If I anchor it back to what we said a couple of months ago at Investor Day, remember, what I said about structural efficiencies to help fund those investments that we wanna make over the near term. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | NEW York, NY | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "388 Greenwich Street, New York, NY, 10013, US". |
FMP — 63 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $128.50 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T21:04:47.759Z. | |
px.change | Change on the day | +1.18% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $220B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:02:22.000Z. Captured from FMP at 2026-10-04T21:04:46.469Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$1.50 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $45.30B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 13.63 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 7.61M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.1 | FMP | Financial Modeling Prep (FMP) company profile | |
id.business_summary | Business description (FMP excerpt) | Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. | FMP | Financial Modeling Prep (FMP) company profile — Deterministic excerpt derived from id.description; source and date describe the input fact, not a new provider observation | |
id.ceo | Chief executive | Jane Nind Fraser | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 219,000 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $79.87B, net result $21.95B; FY2022 revenue $100.22B, net result $14.85B; FY2023 revenue $155.38B, net result $9.23B; FY2024 revenue $170.71B, net result $12.68B; FY2025 revenue $168.28B, net result $14.31B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Markets $21.97B · Services $21.26B · Banking Segment $8.21B · U.S. Personal Banking $20.97B · Personal Banking and Wealth Management $8.56B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $45.30B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $5.83B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $3.1500 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $44.44B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $5.79B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $3.0600 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $40.65B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $2.47B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $1.1900 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $43.84B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $3.75B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $1.8600 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-14.revenue_actual | Revenue · reported — report date 2026-07-14 | $24.77B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-14.revenue_estimated | Revenue · estimate — report date 2026-07-14 | $23.74B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-14.eps_actual | EPS · reported — report date 2026-07-14 | $3.1500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-14.eps_estimated | EPS · estimate — report date 2026-07-14 | $2.7200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-14.revenue_actual | Revenue · reported — report date 2026-04-14 | $24.63B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-14.revenue_estimated | Revenue · estimate — report date 2026-04-14 | $23.60B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-14.eps_actual | EPS · reported — report date 2026-04-14 | $3.0600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-14.eps_estimated | EPS · estimate — report date 2026-04-14 | $2.6500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_actual | Revenue · reported — report date 2026-01-21 | $19.87B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_estimated | Revenue · estimate — report date 2026-01-21 | $20.95B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_actual | EPS · reported — report date 2026-01-21 | $1.1900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_estimated | EPS · estimate — report date 2026-01-21 | $1.8000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_actual | Revenue · reported — report date 2025-11-06 | $22.09B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_estimated | Revenue · estimate — report date 2025-11-06 | $21.09B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_actual | EPS · reported — report date 2025-11-06 | $1.8600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_estimated | EPS · estimate — report date 2025-11-06 | $1.7300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | −$24.08B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | −$21.87B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$1.55B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$1.42B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $26.55B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$1.63B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $1.10B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$1.62B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $139.00 – $165.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $151.08 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $150.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 40 transactions · 0 purchases, 3 sales, 37 other transactions · 13 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Oct 1, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 77.7% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 73.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 2,772 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 2,604 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 149,509,189 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Capital Management LLC — shares in provider snapshot | 107,230,182 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | State Street Corp — shares in provider snapshot | 77,908,419 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Geode Capital Management, LLC — shares in provider snapshot | 41,054,866 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Fisher Asset Management, LLC — shares in provider snapshot | 36,456,162 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 13, 2026 | UNRECORDED | Stored earnings-calendar observation — Captured 2026-07-17 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-03 | |
px.range52 | 52-week range | $93.66 – $147.96 | UNRECORDED | Stored company-profile observation — Captured 2026-10-03 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $2.47 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-04, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.92% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-14.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($24.77B) with the recorded estimate ($23.74B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-14.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($3.1500) with the recorded estimate ($2.7200) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 33 of 100 · Weak · pillars 41 / 20 / 52 / 54 / 55 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 33 (stored snapshot Oct 3, 2026) → 33 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-14. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-14.revenue_actual,earn.history.depth.2026-07-14.revenue_estimated,earn.history.depth.2026-07-14.revenue_actual.comparison,earn.history.depth.2026-07-14.eps_actual.comparison,earn.history.depth.2026-07-14.eps_actual,earn.history.depth.2026-07-14.eps_estimated,earn.history.depth.2026-04-14.revenue_actual,earn.history.depth.2026-04-14.revenue_estimated,earn.history.depth.2026-04-14.eps_actual,earn.history.depth.2026-04-14.eps_estimated,earn.history.depth.2026-01-21.revenue_actual,earn.history.depth.2026-01-21.revenue_estimated,earn.history.depth.2026-01-21.eps_actual,earn.history.depth.2026-01-21.eps_estimated,earn.history.depth.2025-11-06.revenue_actual,earn.history.depth.2025-11-06.revenue_estimated,earn.history.depth.2025-11-06.eps_actual,earn.history.depth.2025-11-06.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Legal name | CITIGROUP INC Our market-data provider lists the name as "Citigroup Inc."; the filer's own record is used here. | 2026-02-20 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-20 |
| Business description | Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which offers cross-border support for clients, providing on-the-ground local market expertise, post-trade technologies, customized data solutions, and a wide range of securities services solutions that can be tailored to meet client needs. The Markets segment provides corporate, institutional, and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products, and commodities. The Banking segment offers Investment Banking and Corporate Lending services. The Wealth segment includes Private Bank, Wealth at Work, and Citigold and provides financial services to a range of client segments through banking, lending, mortgages, investment, custody, and trust product offerings. The USPB segment includes Branded Cards and Retail Services, which have proprietary card portfolios and co-branded card portfolios within Branded Cards, and co-brand and private label relationships within Retail Services. The All Other segment consists of activities not assigned to the reportable operating segments, including certain unallocated costs of global functions, other corporate expenses, and net treasury results. The company was founded in 1812 and is headquartered in New York, NY. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-14 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Diversified The company's SEC filings classify it under SIC 6021 — National Commercial Banks. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Markets: $21.97B; Services: $21.26B; Banking Segment: $8.21B; U.S. Personal Banking: $20.97B; Personal Banking and Wealth Management: $8.56B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-14 | FMP | Financial Modeling Prep (FMP) earnings |
| Most recent periodic reports | 2026-08-06 | OFFICIAL | SEC EDGAR filer submissions | |
| Cash, investments and debt | Total debt: $813.85B; Liquidity basis: cash and short-term investments; Total liabilities: $2.68T; Cash and short-term investments: $996.75B; Cash and investments: $1.95T; Long-term investments: $949.61B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $1.95T; Cash and short-term investments: $996.75B; Long-term investments: $949.61B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Cash against market value | As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: $182.90B; Total debt: $813.85B; Cash and investments: $996.75B Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them. | 2026-06-30 | COMPUTED | Computed from the balance sheet and the latest market capitalization |
| Trailing twelve-month ratio set | Quick ratio: 0.47; Current ratio: 0.47; Debt to equity: 3.84; Net margin: 10.2%; Gross margin: 46.6%; Operating margin: 14.2%; Return on assets: 0.6%; Return on equity: 8.4% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash runway cross-check (ours) | Years: 16.9; Method: cash and short-term investments of $996749M at 2026-06-30 divided by the annualized rate at which operations and capital spending used cash ($59098.5M per year); Reaches: 2043-05; Cash basis: cash and short-term investments; Cash: $996.75B; Annualized cash use: $59.10B Rate taken from operating cash flow less capital expenditure over the 8 most recent reported quarters, annualized.; Measured from operations, not from the change in the cash balance — a company that raised money during the window would otherwise appear to be burning less than it is.; Assumes that rate continues unchanged: it ignores announced cost reductions, financing already arranged and any change in spending.; Assumes the reported cash and short-term investments are realizable for funding operations; restrictions and timing of access are not established by these provider fields. Long-term investments are excluded.; It is a cross-check, not a forecast, and the company's own statement about its runway outranks it. | 2026-06-30 | COMPUTED | Computed from reported cash flow; assumptions stated |
| Next earnings report | Date: 2026-10-13; EPS estimate: $2.67 per share; Revenue estimate: $23.74B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
Data provided for informational purposes only.
ETFs that hold C
Funds in our ETF coverage that list C among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| RWW ETF | 6.01% | |
| FINU ETF | 4.09% | |
| Roundhill BIG Bank ETF (BIGB) | 3.43% | |
| State Street Financial Select Sector SPDR ETF (XLF) | 2.81% | |
| VFH ETF | 2.30% | |
| UVA Dividend Value ETF (UVDV) | 1.64% |