Citigroup Inc. (C) Stock

Citigroup Inc. (C) is a Financials stock trading at $129.36 (as of 2026-07-17), with a market capitalization of $226.29B and a trailing P/E of 15.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Citigroup Inc. provides financial products and services to retail customers, corporations, governments, and institutions across regions including North America, Latin America, Asia, Europe, the Middle East, and Africa. Its Global Consumer Banking and Institutional Clients Group segments offer retail banking and card, credit, lending, and related investment services, as well as wholesale offerings such as markets, investment banking and advisory, corporate lending, private banking, cash management, trade finance, and securities services.

Understand Citigroup Inc.: how it makes money

Citigroup provides banking products and services to consumers and institutions, and it makes money primarily through net interest revenue, with additional contribution from markets revenues and services revenues.

Citigroup’s profit engine is the combination of net interest revenue (10.4B) plus fee-like revenue from markets (7.0B) and services (5.9B), so the business outcome is sensitive to how these revenue lines move.

Business quality (Solid): Good visibility into revenue line items (net interest, markets, services), but no segment-level revenue split for the official GCB and ICG segments was provided in the facts.

Valuation: At 20× earnings, C trades 58% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Diversified revenue sources: Revenue is not only net interest (10.4B), it also includes markets revenues (7.0B) and services revenues (5.9B), which can help balance performance across different business activities.
  • Meaningful contribution from services: Services revenues are large enough (5.9B) to be a material part of the overall revenue base.

Bear case

  • Exposure to volatility in markets revenues: Markets revenues are a sizable portion of revenue (7.0B), so swings in this line can materially affect results.
  • Concentration in net interest revenue: Net interest revenue is the largest identified revenue line item (10.4B), so changes in this area can have an outsized impact versus smaller revenue lines.
Valuation — source: SEC EDGAR (first-party)
Price$129.36
Market Cap$226.29B
P/E Ratio15.8
EV / EBITDA10.1
Price / Book1.06
Price / Sales2.66
FCF Yield-32.8%
DCF Value (model)$59.81
DCF Upside vs Price-53.8%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$85.22B
Net Margin16.8%
Revenue Growth (YoY)5.0%
EPS Growth (YoY)17.9%
FCF Growth (YoY)183.4%
Valuation vs Sector & Industry
Stock P/E15.8
Sector P/E (Financials)15.5
Industry P/E (Banking)13.5
vs Sector2.0%
vs Industry17.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($19.05B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorFinancials
IndustryBanking
CEOJane Nind Fraser
Employees229,000
CountryUS
IPO Date1977-01-03

Related Companies (Business model: Universal / Commercial Bank + Investment Bank / Capital Markets; 8 closest by market cap; US-domiciled)

  • JPMorgan Chase & Co. (JPM)
  • Bank of America Corporation (BAC)
  • Wells Fargo & Company (WFC)
  • Capital One Financial Corporation (COF)
  • The PNC Financial Services Group, Inc. (PNC)
  • U.S. Bancorp (USB)
  • Truist Financial Corporation (TFC)
  • Huntington Bancshares Incorporated (HBAN)
C earnings history · C institutional & insider holders · C KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.