Financials · Diversified Banks · US stock · price as of 22 Oct 2026
Key indicators
Price
$122.51
52-week range
$95.00 – $147.96
Market cap
$229.5B
P/E (trailing)
16.2×
Dividend yield
2.0%
Revenue (last 12 months)
$85.2B
Revenue growth (3y a year)
4.2%
Price / book
1.1×
Return on equity
6.7%
Fair value
Fair value (average of valid models)$107.90 middle half of models $94 – $113
Versus priceFair−12% to fair value
P/E multiple
$113.34
P/B multiple
$93.86
P/S multiple
$108.60
Dividend discount, stable
$82.14
Dividend discount, multi-stage
$141.58
Model uncertainty
Medium
X-Ray Score
24/ 100 · Medium confidence · ahead of 0% of sector peers
Valuation15
Growth28
Profitability16
Financial health36
Dividends37
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
Consumers, companies, institutions and governments are served by Citigroup, a global bank. Its businesses include treasury and trade services for multinational clients, securities services, markets trading, investment banking, wealth management and credit cards and retail banking in the United States. It operates in many countries, and the firm is organised into several business lines that serve different client groups.
Revenue was $85.2 billion over the last twelve months, drawn from interest on loans and investments, fees for services such as payments, trading, advice and wealth management, and card income. Revenue was $85.2 billion over the last twelve months and has grown at 4.2% a year across the last three years. The dividend yield is 2.0%.
StocksXray gives Citigroup Inc an X-Ray Score of 24 out of 100 (medium confidence), ahead of 0% of the S&P 500 stocks in its sector. Its strongest lens is dividends (37) and its weakest is valuation (15).
Our fair value (the average of the valid models) is $107.90 (range $93.86 to $113.34). At $122.51 the stock trades 14% above that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Citigroup Inc (C)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$51.28
$39.95
$47.54
$67.47
$114.95
$122.51
Market cap
$105.1B
$78.5B
$93.0B
$130.9B
$215.3B
$229.5B
P/E
5.1×
5.7×
11.8×
11.4×
16.4×
16.2×
Price / book
0.5×
0.4×
0.5×
0.6×
1.0×
1.1×
Dividend yield
–
–
–
–
–
2.02%
Fundamentals checklist ● 0 Good · ● 1 Average · ● 6 Bad · each check graded against the sector
Risk models
Piotroski F-Score4 of 9Bad
Growth
EPS growth (3y)−0.0%Bad
Revenue growth (3y)4.2%Bad
Growth consistency80%Bad
Valuation
Fair value vs price0.9×Bad
Profitability
Return on invested capital5.7%Bad
Operating margin23.3%Average
XStocksXray
Citigroup Inc (C)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
71,884
75,338
78,066
80,722
85,225
85,225
Net income
21,952
14,845
9,228
12,682
14,306
14,306
Diluted EPS ($)
10.14
7.00
4.04
5.94
6.99
7.58
Net margin
30.5%
19.7%
11.8%
15.7%
16.8%
16.8%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
2,291,000
2,417,000
2,412,000
2,352,945
2,657,202
2,657,202
Cash
262,033
342,025
260,932
276,532
349,579
349,579
Total debt
298,365
344,232
344,298
364,721
387,646
387,646
Equity
201,972
201,189
205,453
208,598
212,291
212,291
Dividend per share ($)
–
–
–
–
–
2.32
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
