Citigroup (C): analysis in plain words
Is Citigroup cheap or expensive? How it makes money, whether it grows and its risks, explained in plain words and with its official accounts.
Citigroup (C) is listed on the NYSE and we classify it in banking. Below are its key dated figures, how it makes money, how it compares with its sector, what works for and against Citigroup according to those figures, and the questions people ask most about the stock. No buy or sell tips.
Citigroup (C) key figures as of November 4, 2026
| Figure | Value | What it measures |
|---|---|---|
| Share price | $124.74 | Last price on November 4, 2026 |
| P/E ratio (TTM) | 12.2x | Price over earnings per share |
| Revenue growth | +8.0% | Latest quarter vs the same quarter a year earlier |
| Net margin (TTM) | 23.2% | Profit for every 100 of sales |
| Net debt / EBITDA | Not meaningful (financial company) | Years of operating profit to repay debt |
| Dividend yield | 2.18% | Annual dividend over price |
| Market cap | $206.5 billion | What the stock market values it at |
The Citigroup figures come from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026. Any C figure that is not available shows as N/A: we do not estimate it.
How Citigroup makes money
Citigroup is a global bank focused on large corporations and institutions. It reports five segments: Services, covering treasury, trade and securities services; Markets, for fixed income and equities trading; Banking, for investment and corporate banking; U.S. Personal Banking, including Citi credit cards and retail branches; and Wealth.
Over the last 12 months, Citigroup brought in revenue of $83.3 billion. Its operating margin, what Citigroup keeps from every 100 of sales after running costs, is 34.1%. With 217,000 full-time employees, that is about $384,000 of revenue per employee.
Citigroup against its sector
To know whether a Citigroup figure is high or low you have to put it next to similar companies. This table compares Citigroup with the median of the 20 banking companies Fintols covers, with data as of November 4, 2026.
| Figure | Citigroup | banking median |
|---|---|---|
| P/E | 12.2x | 12.2x (20) |
| Revenue growth | +8.0% | +7.3% (20) |
| Net margin | 23.2% | 32.6% (20) |
| Dividend yield | 2.18% | 3.55% (20) |
| ROE | 9.4% | 13.1% (19) |
In short, against the typical banking company, Citigroup earns a thinner margin, pays a lower dividend yield and earns less on its equity. By size, Citigroup ranks number 6 of 8 banking companies quoted in USD on Fintols.
The bull case for Citigroup
These are the strengths in the Citigroup figures as of November 4, 2026:
- Analysts expect Citigroup earnings to rise: its P/E on the next 12 months of estimated earnings is 9.5x, below the current 12.2x.
- Its net margin over the last 12 months is 23.2% (sector median: 32.6%): Citigroup turns a large share of its sales into profit.
- Citigroup is selling more than a year ago: +8.0% in its latest quarter (the typical banking company grew +7.3%).
The main risk for Citigroup
The Citigroup figures as of November 4, 2026 show no clear red flag (no heavy debt, no losses, no falling sales). Its main risk is the one built into its business: falling interest rates (which squeeze what it earns on loans) or rising bad loans if the economy weakens.
Frequently asked questions about Citigroup
Is it a good time to buy Citigroup stock?
Fintols does not tell you whether to buy or sell Citigroup, and nobody knows what the price will do tomorrow. What we can show you is where it stands today. As of November 4, 2026, Citigroup stock trades at $124.74, 16% below its 52-week high ($147.96) and 30% above its low ($95.83). Its P/E is 12.2x against a banking median of 12.2x, and 9.5x on the earnings analysts expect over the next 12 months. With Citigroup, as with any stock, timing matters less than understanding the business, investing for the long run and not betting everything on a single company.
Does Citigroup pay a dividend?
Yes. As of November 4, 2026, Citigroup pays $2.68 per share a year, which at today's price is a yield of 2.18%. It uses 26% of its profit to pay it, which leaves room to keep paying it if profit dips. Its average dividend yield over the last five years is 3.04%. The banking median on Fintols is 3.55%.
Is Citigroup stock expensive?
It depends on what you compare it with. On P/E, Citigroup trades at 12.2x its last 12 months of earnings: in line with the banking median (12.2x). For a financial company you also look at price to book value: 1.1x (banking median: 1.7x). A high P/E alone does not make Citigroup expensive: it can be justified if earnings grow fast, and a low one can reflect a business in trouble.
Who are Citigroup's competitors?
On Fintols we compare Citigroup with Bank of America, Goldman Sachs and JPMorgan, which are also in banking. As of November 4, 2026, Bank of America is worth $356.3 billion and trades on a P/E of 12.3; Goldman Sachs is worth $267.7 billion and trades on a P/E of 13.3; JPMorgan is worth $935.1 billion and trades on a P/E of 14.8. Each has a side-by-side comparison with Citigroup below.
Citigroup competitors
- Bank of America (BAC) analysis · Citigroup vs Bank of America comparison
- Goldman Sachs (GS) analysis · Citigroup vs Goldman Sachs comparison
- JPMorgan (JPM) analysis · Citigroup vs JPMorgan comparison
To understand Citigroup better
- How to Read a Balance Sheet: A Beginner's Guide
- P/E Ratio and EPS Explained: How to Read Them Without Traps
More companies like Citigroup: banking stocks, S&P 500 companies and S&P 100 companies. Open the full C analysis with its valuation and scenarios. Educational content about Citigroup, not investment advice.