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CompareEarnings: May 31, 2026

Citigroup Inc

Exchange: NYSESector: Financial ServicesIndustry: Banks - Diversified

Citi is one of the world's largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary global conversation - accessing information, analyzing data, developing insights, and formulating advice for our clients. About Citi Global Perspectives & Solutions (Citi GPS) As our premier thought-leadership product, Citi Global Perspectives & Solutions (Citi GPS) is designed to help our clients navigate the global economy's most demanding challenges, identify future themes and trends, and help our clients profit in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of our research analysts and a wide range of senior professionals across our firm. About the Oxford Martin School The Oxford Martin School is a world-leading research department of the University of Oxford. Its 200 academics work across more than 30 pioneering research programmes to find solutions to the world's most urgent challenges. It supports novel and high-risk projects that often do not fit within conventional funding channels, with the belief that breaking boundaries and fostering innovative collaborations can dramatically improve the wellbeing of this and future generations. Underpinning all our research is the need to translate academic excellence into impact – from innovations in science, medicine and technology, through to providing expert advice and policy recommendations. Web: www.oxfordmartin.ox.ac.uk - Twitter: @oxmartinschool - Facebook: /oxfordmartinschool

Did you know?

Trading 100% below its estimated fair value of $230.68.

Current Price

$115.25

-0.04%

GoodMoat Value

$230.68

100.2% undervalued
Profile
Valuation (TTM)
Market Cap$206.21B
P/E14.41
EV$565.98B
P/B0.97
Shares Out1.79B
P/Sales2.42
Revenue$85.22B
EV/EBITDA23.80

Citigroup Inc (C) Company Profile

GoodMoat Analysis

Based on data as of March 26, 2026

Citigroup is a global financial giant with a potential moat in its scale and regulatory complexity, but it faces significant execution risks and weak quality metrics. Its current valuation appears low, but the negative free cash flow and high debt require a cautious approach from a value investor.

Read full analysis
Citigroup Inc. is a global bank that provides a wide range of financial services to consumers, corporations, and governments. Its business model is built on three main pillars: Institutional Clients Group (investment and corporate banking), Personal Banking & Wealth Management, and legacy operations being wound down. Its customers span from individuals with checking accounts to the world's largest multinational corporations needing complex treasury and capital markets services. Using the GoodMoat framework, Citigroup's primary moat likely stems from regulatory barriers and scale privilege (Sections 1.5 & 1.8). Operating a global banking network requires hard-to-obtain licenses and involves immense complexity that deters new entrants, while its massive $204.8B scale provides cost advantages. However, its moat score is likely modest, as other criteria like pricing power and low disruption risk are less clear for traditional banks. Key risks are prominent. The data shows a Debt/Equity ratio of 3.37, far above the framework's favourable threshold of <1.0x, and a Free Cash Flow Yield of -36.2%, which is a severe High Confidence Red Flag for cash burn (Section 5.5). An ROE of 6.7% is also well below the quality benchmark of 15-20%. A value investor might be interested due to the low P/E of 14.3x and a GoodMoat target price implying significant upside, suggesting the market is pricing in these risks. However, the combination of weak quality indicators and high-confidence red flags means any analysis must proceed with extreme caution, focusing heavily on management's ability to execute a successful turnaround and improve capital efficiency. Analysis based on data as of 2024-05-15.

C Company Information

Citi is one of the world's largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary global conversation - accessing information, analyzing data, developing insights, and formulating advice for our clients.

About Citi Global Perspectives & Solutions (Citi GPS) As our premier thought-leadership product, Citi Global Perspectives & Solutions (Citi GPS) is designed to help our clients navigate the global economy's most demanding challenges, identify future themes and trends, and help our clients profit in a fast-changing and interconnected world.

Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of our research analysts and a wide range of senior professionals across our firm. About the Oxford Martin School The Oxford Martin School is a world-leading research department of the University of Oxford.

Its 200 academics work across more than 30 pioneering research programmes to find solutions to the world's most urgent challenges. It supports novel and high-risk projects that often do not fit within conventional funding channels, with the belief that breaking boundaries and fostering innovative collaborations can dramatically improve the wellbeing of this and future generations.

Underpinning all our research is the need to translate academic excellence into impact – from innovations in science, medicine and technology, through to providing expert advice and policy recommendations. Web: www.oxfordmartin.ox.ac.uk - Twitter: @oxmartinschool - Facebook: /oxfordmartinschool.

Sector

Financial Services

Industry

Banks - Diversified

Exchange

NYSE

Country

New York, USA

C Key Officers

Key officers data coming soon

C Company Profile

Citigroup Inc (C) is a Financial Services company in the Banks - Diversified industry, listed on NYSE. Headquartered in New York, USA.

Citi is one of the world's largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary global conversation - accessing information, analyzing data, developing insights, and formulating advice for our clients. About Citi Global Perspectives & Solutions (Citi GPS) As our premier thought-leadership product, Citi Global Perspectives & Solutions (Citi GPS) is designed to help our clients navigate the global economy's most demanding challenges, identify future themes and trends, and help our clients profit in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of our research analysts and a wide range of senior professionals across our firm. About the Oxford Martin School The Oxford Martin School is a world-leading research department of the University of Oxford. Its 200 academics work across more than 30 pioneering research programmes to find solutions to the world's most urgent challenges. It supports novel and high-risk projects that often do not fit within conventional funding channels, with the belief that breaking boundaries and fostering innovative collaborations can dramatically improve the wellbeing of this and future generations. Underpinning all our research is the need to translate academic excellence into impact – from innovations in science, medicine and technology, through to providing expert advice and policy recommendations. Web: www.oxfordmartin.ox.ac.uk - Twitter: @oxmartinschool - Facebook: /oxfordmartinschool

Market capitalization: $206.21B. Shares outstanding: 1789.3M. Dividend yield: 2.61%.

View the complete company profile for Citigroup Inc on GoodMoat, including key officers, financial metrics, sector classification, and investment analysis tools. Use the profile alongside GoodMoat's DCF calculator, fair value models, and quality score to evaluate whether C is a sound investment opportunity.