CITIGROUP INC (C) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does CITIGROUP INC Do?
Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York. CITIGROUP INC (C) is classified as a mega-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Jane N. Fraser and employs approximately 240,000 people, headquartered in NEW YORK, New York. With a market capitalization of $201.7B, C is one of the largest companies in the Financials sector.
CITIGROUP INC (C) Stock Rating — Hold (April 2026)
As of April 2026, CITIGROUP INC receives a Hold rating with a composite score of 41.0/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.C ranks #1,430 out of 4,446 stocks in our coverage universe. Within the Financials sector, CITIGROUP INC ranks #431 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
C Stock Price and 52-Week Range
CITIGROUP INC (C) currently trades at $124.39. The stock lost $0.53 (0.4%) in the most recent trading session. The 52-week high for C is $125.16, which means the stock is currently trading -0.6% from its annual peak. The 52-week low is $55.51, putting the stock 124.1% above its annual trough. Recent trading volume was 9.0M shares, reflecting moderate market activity.
Is C Overvalued or Undervalued? — Valuation Analysis
CITIGROUP INC (C) carries a value factor score of 58/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 13.21x, compared to the Financials sector average of 14.88x — a discount of 11%. The price-to-book ratio stands at 0.94x, versus the sector average of 1.22x. The price-to-sales ratio is 2.34x, compared to 0.90x for the average Financials stock. On an enterprise value basis, C trades at 25.32x EV/EBITDA, versus 3.26x for the sector.
Overall, C's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
CITIGROUP INC Profitability — ROE, Margins, and Quality Score
CITIGROUP INC (C) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 7.1%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.6% versus the sector average of 1.2%.
On a margin basis, CITIGROUP INC reports gross margins of 0.0%. The operating margin is 23.8% (sector: 21.8%). Net profit margin stands at 17.7%, versus 17.7% for the average Financials stock. Revenue growth is running at 9.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
C Debt, Balance Sheet, and Financial Health
CITIGROUP INC has a debt-to-equity ratio of 148.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.09x, suggesting adequate working capital coverage. Total debt on the balance sheet is $315.83B. Cash and equivalents stand at $23.55B.
C has a beta of 1.28, meaning it is more volatile than the broader market — a $10,000 investment in C would be expected to move 27.5% more than the S&P 500 on any given day. The stability factor score for CITIGROUP INC is 66/100, reflecting average volatility within the normal range for its sector.
CITIGROUP INC Revenue and Earnings History — Quarterly Trend
In TTM 2026, CITIGROUP INC reported revenue of $85.67B and earnings per share (EPS) of $7.11. Net income for the quarter was $15.20B. Gross margin was 0.0%. Operating income came in at $20.41B.
In FY 2025, CITIGROUP INC reported revenue of $85.22B and earnings per share (EPS) of $7.11. Net income for the quarter was $14.45B. Revenue grew 5.0% year-over-year compared to FY 2024. Operating income came in at $19.83B.
In Q3 2025, CITIGROUP INC reported revenue of $22.09B and earnings per share (EPS) of $1.89. Net income for the quarter was $3.79B. Revenue grew 8.7% year-over-year compared to Q3 2024. Operating income came in at $5.35B.
In Q2 2025, CITIGROUP INC reported revenue of $21.67B and earnings per share (EPS) of $1.98. Net income for the quarter was $4.03B. Revenue grew 7.6% year-over-year compared to Q2 2024. Operating income came in at $5.22B.
Over the past 8 quarters, CITIGROUP INC has demonstrated a growth trajectory, with revenue expanding from $20.14B to $85.67B. Investors analyzing C stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
C Dividend Yield and Income Analysis
CITIGROUP INC (C) does not currently pay a dividend. This is common among growth-oriented companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
C Momentum and Technical Analysis Profile
CITIGROUP INC (C) has a momentum factor score of 59/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 29/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 52/100 reflects moderate short selling activity.
C vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, CITIGROUP INC (C) ranks #431 out of 891 stocks based on the Blank Capital composite score. This places C in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing C against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full C vs S&P 500 (SPY) comparison to assess how CITIGROUP INC stacks up against the broader market across all factor dimensions.
C Next Earnings Date
CITIGROUP INC (C) is scheduled to report earnings on April 14, 2026 for Q1 2026. Analysts estimate EPS of $2.64. Revenue is estimated at $23.51B.Investors can track all upcoming reports on the earnings calendar.
Should You Buy C? — Investment Thesis Summary
CITIGROUP INC presents a balanced picture with arguments on both sides. The quality score of 10/100 flags below-average profitability. Low volatility (stability score 66/100) reduces downside risk.
In summary, CITIGROUP INC (C) earns a Hold rating with a composite score of 41.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on C stock.
Related Resources for C Investors
Explore more research and tools: C vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare C head-to-head with peers: C vs WTM, C vs OPY, C vs ACT.