Citigroup (C) stock
Financials · Diversified Banks
Citigroup (C) is a Diversified Banks company in the Financials sector, headquartered in New York City, New York. As of October 23, 2026, C closed at $120.62, a market capitalization of $199.65 billion, the 56th largest company in the S&P 500. Over the last twelve months it generated $83.30 billion in revenue (+8% year over year) and -$24.51 billion in free cash flow. The stock trades at 11.8x trailing earnings and 9.2x forward earnings.
- 1-year total return: +27.4% (dividends reinvested)
- 5-year return: +14.9% a year
- 52-week range: $95.83 – $147.96
- Gross margin 0.0%, operating margin 34.1%
- Dividend yield: 2.22%, 3 straight years of increases
- FI Handbook report card: B- across 9 metrics
- 10th largest of 76 Financials stocks in the S&P 500
C price chart
1Y price change: +24.7% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| C | -8.6% | +4.9% | +27.4% | +50.4% | +14.9% | +12.6% | +6.0% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 1977.
C key statistics
- Market cap
- $199.7B
- #56 in S&P 500
- P/E (TTM)
- 11.8x
- Forward P/E
- 9.2x
- EPS (TTM)
- $10.26
- Revenue (TTM)
- $83.3B
- +8%
- Free cash flow
- -$24.5B
- Gross margin
- 0.0%
- Operating margin
- 34.1%
- Return on equity
- 9.4%
- Dividend yield
- 2.22%
- 52-week range
- $95.83 – $147.96
- Beta
- 1.11
- Price / sales
- 2.4x
- EV / EBITDA
- —
- Debt / equity
- —
- Employees
- 217,000
C report card
B-Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth8.0%C
- Gross margin0.0%F
- Operating margin34.1%A
- FCF margin-29.4%F
- Return on equity9.4%D
- Net debt / EBITDA——
- Forward P/E9.2xA
- PEG ratio0.6xA
- Shareholder yield8.9%A
- Share count change / yr-2.3%A
Citigroup financials
Revenue went from $70.8B in fiscal 2016 to $85.2B in fiscal 2025, growing 2.1% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $70.8B | $72.4B | $72.9B | $75.1B | $75.5B | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B |
| Gross profit | — | $65.0B | $65.3B | $66.7B | $58.0B | — | — | — | — | — |
| Net income | $14.9B | -$6.8B | $18.0B | $19.4B | $11.0B | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| EPS (diluted) | $4.72 | $-2.98 | $6.68 | $8.04 | $4.72 | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 |
| Free cash flow | — | — | $33.2B | -$18.2B | -$26.9B | $43.0B | $19.4B | -$80.0B | -$26.2B | -$74.2B |
| Buybacks | $9.3B | $14.5B | $14.4B | $17.6B | $2.9B | $7.6B | $3.3B | $2.0B | $2.5B | $13.3B |
| Dividends paid | $2.3B | $3.8B | $5.0B | $5.4B | $5.4B | $5.2B | $5.0B | $5.2B | $5.2B | $5.4B |
| Diluted shares | 2.9B | 2.7B | 2.5B | 2.3B | 2.1B | 2.0B | 2.0B | 2.0B | 1.9B | 1.9B |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into C?
A reverse DCF asks what growth the current price requires. With an enterprise value of -$384.1B and -$24.5B of trailing free cash flow, Citigroup needs to grow free cash flow at a rate outside our model for ten years (fading to 3.0% terminal growth) to earn a 10% annual return.
P/E ratio history
Current 17.3x vs. median 12.0x (10th–90th percentile 5.9x–21.4x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
C dividend
- Dividend yield
- 2.22%
- Annual dividend
- $2.68
- Years of increases
- 3
- 5-yr dividend growth
- 2.6%
- per year
- Payout ratio
- 26%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
C analyst price targets
21 analysts' average 12-month target is $150.71 (+25% vs. $120.62). Targets range from $127.00 to $170.00. 78% rate it a buy.
C earnings
Next report: January 14, 2027. Citigroup has beaten EPS estimates 3 quarters in a row.
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Oct 13, 2026 | $2.62 | $2.83 | +7.9% |
| Jul 14, 2026 | $2.71 | $3.14 | +15.6% |
| Apr 14, 2026 | $2.60 | $3.06 | +17.9% |
| Jan 14, 2026 | $1.62 | $1.24 | -23.4% |
| Oct 14, 2025 | $1.93 | $2.26 | +17.4% |
| Jul 15, 2025 | $1.59 | $2.04 | +28.3% |
| Apr 15, 2025 | $1.85 | $1.96 | +5.9% |
| Jan 15, 2025 | $1.24 | $1.35 | +8.7% |
Stocks like C
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 JPM JP Morgan Chase | -1.47% | +15% | $880.5B | 13.9x | Compare |
 BAC Bank of America | -1.02% | -0% | $350.0B | 12.1x | Compare |
 WFC Wells Fargo & | -0.75% | -0% | $247.3B | 11.6x | Compare |
 USB U.S. Bancorp | -0.73% | +29% | $92.8B | 11.6x | Compare |
 PNC PNC Financial Services Group, I | -0.47% | +27% | $89.5B | 12.0x | Compare |
 TFC Truist Financial | +0.04% | +16% | $59.2B | 12.5x | Compare |
 BRK-B Berkshire Hathaway | -0.87% | +11% | $1.2T | 13.6x | Compare |
 V Visa | -1.55% | +19% | $765.8B | 34.7x | Compare |
C news
- Nebius Secures $3.5 Billion From Citi as It Shifts From Converts to Secured Debt · Oct 25, 2026
- China Approved Citigroup’s Securities Unit After Nearly 5 Years. Here’s Where the Stock Could Go by 2030 · Oct 23, 2026
- ‘Window of vulnerability’: Banks move to restrict AI agent access · Oct 23, 2026
- Citigroup Wins Regulatory Approval To Expand Onshore Securities Operations In China · Oct 23, 2026
- Citi closes ‘first-of-its-kind’ $72M bond for biochar project · Oct 23, 2026
C stock FAQ
What is C's market cap?
Citigroup's market capitalization is $199.65 billion as of October 23, 2026, ranking 56th in the S&P 500.
What is C's P/E ratio?
C trades at a trailing price-to-earnings ratio of 11.8x and a forward P/E of 9.2x. Its median P/E over the period we track is 12.0x.
Does C pay a dividend?
Yes. Citigroup pays $2.68 per share a year, a 2.22% yield. It has raised its dividend 3 years in a row. Dividends grew 2.6% a year over the last five years.
How much has C stock returned?
Including reinvested dividends, C returned +27.4% over one year, +14.9% a year over five years, +12.6% a year over ten years through October 23, 2026.
What is the C price target?
21 analysts cover C with an average 12-month price target of $150.71, +25% from the current price. 78% of them rate it a buy.
When does C report earnings?
Citigroup is expected to report earnings on January 14, 2027. It has beaten EPS estimates 3 quarters in a row.
How many employees does Citigroup have?
Citigroup has about 217,000 full-time employees, or $383,866 of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology