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Track C free→Citigroup (C)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-06-16
Watch· 1–3 mo
$142.96+1.24%
Close 2026-06-16 · 1-day change
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is neutral, and earnings quality is fragile, reported profits aren't backed by cash. Management's recent track record has been fairly steady, while risk is moderate and the sector backdrop is a headwind. Peer multiples imply a price about 4% below where it trades (it looks expensive on this basis); the read is fair, but weakening. If C cuts guidance on the next call, that could have a meaningful negative impact. This read is provisional.
as of 2026-06-16
Quick facts
- Exchange
- NYSE
- Sector
- Financials
- Industry
- Banks - Diversified
- Market cap
- $240.84B
- Employees
- —
- IPO date
- 1986-10-29
- Next earnings
- —
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 6 valuation methods, at three horizons. Current price $142.96. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfull
$137.46consensus
Range $128.25 – $225.48
vs price: +4% above
Method agreement — · 6 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearinexpensive
$260.80consensus
Range $208.39 – $269.67
vs price: -45% below
Method agreement — · 5 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearinexpensive
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Aligned with peershigh confidence
At $141 C trades at 16× p/e, in line with its 14× p/e peer median. Our $131 fair value reflects that, high confidence. Analysts: $133–$162. Not investment advice.
Multiple (P/E)
16.4x
peer 14.4x · own history 11.3x
Premium
1.1x peer
1.5x its own history
Growth the price needs
7%
our forecast 5%
Our fair value
$131.49
range $124.91 – $212.37
Analyst range(a guide on our number, not a target)Our number is in the analyst range
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fullfair — but weakening12-month view
What's priced inJustified
The market is pricing in roughly 4% near-term growth, in line with our forecast of about 5%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
neutralOperating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
30th pctl · Financials
Earnings quality
fragileOver the trailing year it converted -4.73x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 49% of the time over the next year (vs 60% for the rest of the cohort, n=3541).
2nd pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, long-term interest rates, Fed net liquidity, real (inflation-adjusted) rates.
Management & capital allocation
neutralEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Neutral11 analysts, 82% Buyfor period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $2.56 → $2.60 (+1.6% / 30d). 4 raised, 5 cut, 11 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 82% of analysts rate Buy.
Material events
0 positive, 0 negative / 30d.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: Growth by revenue growth.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: neutral
- Capital allocation
- weak
- Earnings discipline
- neutral
- Margin discipline
- strong
- Balance sheet
- weak
- Post-call reaction
- neutral
A guidance track record builds as the company issues and delivers on guidance.
as of 2026-06-16
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$114.
How much price usually moves either way.
On a bad day, this stock has moved -$230.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,476.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- UpsideHigh confidenceQuartersactive 11d
Watch for Q2 RoTCE target progress towards 10-11%
Why it matters: Meeting the RoTCE target is key for Citigroup's growth strategy. It shows financial health.
What confirms / what disproves
Confirms:Q2 RoTCE reported at or above 10%.
Disproves:Q2 RoTCE reported below 9%.
Management priorities
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
- 2026-06-1713h agoEconomic Times
Compliance issues could impact reputation and operations.
ChallengesUnconfirmed report
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like JPM, BAC, and WFC keep beating earnings and guiding higher, the Financials sector momentum should keep lifting C and other Financials names. Worth watching these names for early signals.
- If C raises forward guidance on the next earnings call (currently NEW as of 2026-04-14), that's a momentum boost. Street estimates typically follow guidance up and the stock tends to re-rate higher.
Downside triggers
- If C cuts guidance on the next call (currently NEW as of 2026-04-14), that's a meaningful negative. The Street tends to walk down estimates and the stock usually takes a leg lower.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on C and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like JPM, BAC, and WFC start missing or guiding lower, the Financials tailwind helping C and other Financials names could fade. Watch these names for early warning.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-2127d agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On May 20, 2026, the stockholders of Citigroup Inc. (Citigroup or Citi), upon recommendation of Citigroup’s Board of Directors (Board), approved an amendment to the Citigroup 2019 Stock Incentive Plan (the 2019 Plan), which was first approved by stockholders on April 16, 2019. The amendment to the 2019 Plan increases the authorized number of shares…
Executive changeneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
About the same as last weeklatest as of 2026-06-16
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.