Citigroup (C)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-14
$136.18-1.90%
Close 2026-09-14 · 1-day change
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-14
Research Workspace
Put C beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue growth is accelerating — up about 10% over the past year.
View GrowthRanks in the weakest quality tier of its industry — roughly the bottom 36%, softest on free-cash-flow margins.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskCitigroup's growth trajectory relies on achieving its 10-11% RoTCE target for 2026. Revenue grew 14% year over year, and the last quarter beat expectations. It trades at 1.1× P/B versus a 1.3× peer median, indicating the price reflects less growth than forecasted. If guidance is cut on the next call, that could negatively impact the stock. Peer multiples imply a price about 5% above where it trades. Our read remains intact.
Trailing returns as of 2026-09-14. C is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 21 analysts currently covering C (as of Sep 2026).
Based on 6 Wall Street analysts offering 12-month price targets for C in the last 4 months.
Continue this research
Compare C with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| C Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-09-14. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Financials (broad) — fair value, gap to price, and forward P/E.
Compare the value case
Put C next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Achieve 10-11% RoTCE target for 2026
Increases confidence in achieving RoTCE target.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-09-14. EPS is implied from price ÷ P/E. Not investment advice.
Current $136.18
The last 12 months of price, then the range of analyst 12-month targets from today’s $136.18.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Complete divestitures and transformation programs
Reiterating Buy rating supports growth and transformation efforts.
Advances: Achieve 10-11% RoTCE target for 2026
Confirms management's RoTCE target and capital efficiency.
Upgrade suggests positive outlook for Citigroup's valuation.
Advances: Achieve 10-11% RoTCE target for 2026
Positive ROTCE guidance supports growth objective.
Advances: Achieve 10-11% RoTCE target for 2026
Mid-single-digit growth supports RoTCE target for 2026.
Rate hikes could benefit Citigroup's interest income.
Bullish call indicates strong growth potential.
