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    C

    Citigroup Inc. (C)

    Official site

    FINANCIAL SERVICES • BANKS - DIVERSIFIED • NYSE

    $123.22
    +0.95 (+0.78%)

    Market Cap: $205.10B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    85%(34/40)
    Avg Surprise
    +14.49%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Dec 31, 2026
    EPS Consensus$3.20
    Range$3.06 - $3.36
    7 analysts
    Revenue Consensus
    $24.9B
    Range$23.4B - $25.9B
    14 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$3.20---
    Sep 26
    Reported Oct 13
    		$2.85$2.66+7.14%Beat+26.1%
    Jun 26
    Reported Jul 14
    		$3.15$2.72+15.81%Beat+54.4%
    Mar 26
    Reported Apr 14
    		$3.06$2.60+17.69%Beat+56.1%
    Dec 25
    Reported Jan 21
    		$1.24$1.62-23.46%Miss-8.1%
    Sep 25
    Reported Nov 6
    		$2.26$1.93+17.10%Beat+48.7%
    Jun 25
    Reported Jul 15
    		$2.04$1.59+28.30%Beat+30.8%
    Mar 25
    Reported Apr 15
    		$1.96$1.85+5.95%Beat+9.5%
    Dec 24
    Reported Jan 15
    		$1.35$1.24+8.87%Beat+60.7%
    Sep 24
    Reported Oct 15
    		$1.52$1.32+15.15%Beat+0.0%
    Jun 24
    Reported Jul 12
    		$1.56$1.39+12.23%Beat+13.9%
    Mar 24
    Reported Apr 12
    		$1.79$1.27+40.94%Beat-3.8%
    Dec 23
    Reported Jan 12
    		$0.84$0.69+21.74%Beat-27.6%
    Sep 23
    Reported Oct 13
    		$1.52$1.22+24.59%Beat-6.7%
    Jun 23
    Reported Jul 14
    		$1.37$1.38-0.72%Miss-40.4%
    Mar 23
    Reported Apr 14
    		$1.86$1.70+9.41%Beat-7.9%
    Dec 22
    Reported Jan 13
    		$1.16$1.21-4.13%Miss-20.5%
    Sep 22
    Reported Oct 14
    		$1.63$1.43+13.99%Beat-24.2%
    Jun 22
    Reported Jul 15
    		$2.30$1.67+37.72%Beat-19.0%
    Mar 22
    Reported Apr 14
    		$2.02$1.41+43.26%Beat-44.2%
    Dec 21
    Reported Jan 14
    		$1.46$1.63-10.43%Miss-29.5%
    Sep 21
    Reported Oct 14
    		$2.15$1.79+20.11%Beat+53.6%
    Jun 21
    Reported Jul 14
    		$2.84$1.89+50.26%Beat+456.9%
    Mar 21
    Reported Apr 15
    		$3.62$2.53+43.08%Beat+241.5%
    Dec 20
    Reported Jan 15
    		$2.07$1.31+58.02%Beat+8.9%
    Sep 20
    Reported Oct 13
    		$1.40$0.87+60.92%Beat-28.9%
    Jun 20
    Reported Jul 14
    		$0.51$0.32+59.38%Beat-72.1%
    Mar 20
    Reported Apr 15
    		$1.06$1.57-32.48%Miss-43.3%
    Dec 19
    Reported Jan 14
    		$1.90$1.80+5.56%Beat+18.0%
    Sep 19
    Reported Oct 15
    		$1.97$1.95+1.03%Beat+13.9%
    Jun 19
    Reported Jul 15
    		$1.83$1.81+1.10%Beat+12.3%
    Mar 19
    Reported Apr 15
    		$1.87$1.79+4.47%Beat+11.3%
    Dec 18
    Reported Jan 14
    		$1.61$1.55+3.87%Beat+34.2%
    Sep 18
    Reported Oct 12
    		$1.73$1.66+4.22%Beat+34.1%
    Jun 18
    Reported Jul 13
    		$1.63$1.56+4.49%Beat+27.3%
    Mar 18
    Reported Apr 13
    		$1.68$1.60+5.00%Beat+33.3%
    Dec 17
    Reported Jan 16
    		$1.20$1.19+0.84%Beat+5.3%
    Sep 17
    Reported Oct 12
    		$1.29$1.30-0.77%Miss-
    Jun 17
    Reported Jul 14
    		$1.28$1.21+5.79%Beat-
    Mar 17
    Reported Apr 13
    		$1.26$1.24+1.61%Beat-
    Dec 16
    Reported Jan 18
    		$1.14$1.12+1.79%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.17%
    Forward Annual Dividend$2.68
    Payout Ratio22.99%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+4.38%
    5Y CAGR+2.61%
    C dividend history and ex-dividend datesRun C in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.96EV/EBITDA23.94x
    Price/FCF-8.55xFCF Yield-11.70%
    Profitability
    Profit Margin21.80%Operating Margin36.20%
    ROE8.53%ROIC2.52%
    Financial Health
    Debt/Equity2.45xInterest Coverage0.30x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.11Avg Volume10.44M
    52-Week High$147.2152-Week Low$93.03

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$127.25
    SMA 20$129.44
    SMA 50$132.86
    SMA 200$125.74
    EMA 10$126.84
    EMA 20$128.90
    EMA 50$131.39
    EMA 200$124.26

    MACD

    Line: -2.38Signal: -1.78Hist: -0.60

    ADX

    ADX: 23.0+DI: 16.1-DI: 38.4

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down100.0
    PSAR$133.25

    Bollinger Bands

    Upper Band$136.29
    Lower Band$122.58
    %B Position1060%(Upper)
    Band Width0.05

    RSI (14-Day)

    Neutral
    35.7

    Momentum Oscillators

    Stoch %K12.8
    Stoch %D29.5
    Williams %R-78.1
    ROC (10d)-3.0%
    Momentum-3.78
    CCI (20d)-173.1
    MFI (14d)34.1

    Volatility Measures

    ATR (14d)$3.43(2.8%)
    StdDev (20d)3.43
    Hist Vol28.9%(Moderate)

    Volume Flow

    VWAP$122.29
    OBV591.6M
    AD Line-3.5B
    CMF (20d)-0.024

    Volume Metrics

    Avg Vol (20d)10.4M
    Vol Ratio1.1x
    VWMA (20d)$129.08

    Pivot Points

    R3$125.85
    R2$124.72
    R1$123.49
    Pivot Point$122.36
    S1$121.13
    S2$120.00
    S3$118.77

    Advanced Oscillators

    TSI-21.67
    Ultimate Osc50.5
    KST-50.81

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$24.77B$24.63B$19.87B$22.09B$21.67B$21.60B$19.46B$20.21B$20.03B$21.02B$17.04B$20.14B
    Cost of RevenueN/A$22.38B$23.20B$24.20B$23.56B$22.36B$23.89B$25.69B$24.96B$25.04B$26.08B$22.83B
    Gross ProfitN/A$21.76B$17.65B$19.64B$18.80B$18.89B$17.00B$17.67B$17.68B$18.68B$15.32B$17.92B
    Operating Expenses$14.12B$14.31B$13.93B$14.29B$13.58B$13.53B$13.05B$13.14B$13.25B$14.01B$15.23B$13.46B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$7.52B$3.81B$5.35B$5.22B$5.45B$3.80B$4.39B$4.31B$4.54B$-2,103,000,000$4.79B
    Interest Income$37.66B$35.51B$36.65B$36.69B$35.86B$33.67B$35.05B$36.46B$35.99B$36.22B$36.38B$34.84B
    Interest Expense$20.54B$19.77B$20.98B$21.75B$20.68B$19.65B$21.31B$23.09B$22.49B$22.72B$22.55B$21.01B
    Income Before Tax$8.03B$7.52B$3.81B$5.35B$5.22B$5.45B$3.80B$4.39B$4.31B$4.54B$-2,103,000,000$4.79B
    Income Tax Expense$2.00B$1.58B$1.29B$1.56B$1.19B$1.34B$912.00M$1.12B$1.05B$1.14B$-296,000,000$1.20B
    Net Income$6.02B$5.94B$2.52B$3.79B$4.03B$4.11B$2.89B$3.27B$3.26B$3.41B$-1,808,000,000$3.59B
    EBITDA$9.18B$8.82B$4.92B$6.49B$6.30B$6.50B$4.80B$5.50B$5.40B$5.65B$-931,000,000$5.93B
    EBIT$8.03B$7.70B$3.81B$5.37B$5.20B$5.45B$3.78B$4.42B$4.30B$4.54B$-2,103,000,000$4.79B
    * Some calculated fields are derived from available data when not provided by source

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    Government Contracts

    Gov Obligations (TTM)
    $0
    Gov Obligations / Revenue
    0.0%
    Obligations YoY
    N/A
    Active Awards
    0
    New Awards (TTM)
    0
    Avg Remaining Term
    N/A

    Federal contract obligations are bookings recorded by the awarding agency, not recognized revenue. They can exceed 100% of revenue and can be negative when contracts are de-obligated. Source: USAspending.gov prime awards, data through Jul 31, 2026.

    C Valuation and Fair Value

    P/E
    12.0x
    Forward P/E
    10.2x
    EV/EBITDA
    23.9x
    P/FCF
    -8.6x
    PEG
    0.6x
    P/B
    1.1x
    See GNG's fair value

    C Profitability: Margins, ROIC and FCF

    Operating margin
    36.2%
    Net margin
    21.8%
    ROIC
    2.5%
    ROE
    8.5%
    FCF margin
    -26.8%
    FCF yield
    -11.7%

    C Competitors

    CompanyTicker
    American Express CompanyAXP
    Banco Santander SA ADRSAN
    Wells Fargo & CompanyWFC
    Toronto Dominion BankTD
    Mitsubishi UFJ Financial Group Inc ADRMUFG
    BlackRock IncBLK
    Goldman Sachs Group IncGS
    Charles Schwab CorpSCHW

    Sector: Financial Services

    C Analyst Ratings

    Consensus
    Buy
    Analysts
    22
    Strong Buy
    5
    Buy
    12
    Hold
    5
    Sell
    0
    Strong Sell
    0

    C Bull Case vs Bear Case

    Bull case

    • C has a 21.8% net profit margin.
    • C beat EPS estimates in 87.5% of its last 8 reported quarters.
    • C grew quarterly revenue 15.5% year over year.

    Bear case

    • C has a debt-to-equity ratio of 2.4x.

    C Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    9.7%
    EPS estimate (fiscal period ending Dec 31, 2026)
    $3.20

    C Dividend

    Forward yield
    2.2%
    Payout ratio
    23.0%
    3Y DPS growth
    4.4%
    5Y DPS growth
    2.6%
    Pay months
    Feb, May, Aug, Nov
    C dividend history

    Frequently Asked Questions About C

    What is C's current dividend yield?

    Citigroup Inc. (C) has a forward dividend yield of 2.17%.

    Does C pay dividends?

    Yes, Citigroup Inc. pays dividends with a forward dividend yield of 2.17%.

    What is C's P/E ratio?

    Citigroup Inc. has a price-to-earnings (P/E) ratio of 11.96.

    What is C's market cap?

    Citigroup Inc. (C) has a market capitalization of $205.10B with a current stock price of $123.22.

    Related stocks

    Sector: Financial Services

    All stocks starting with C

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