NYSE:C

Citigroup Inc. (C)

144.98
+1.39 (0.97%)
as of Jun 25, 2026, 8:00:00 pm Market Open.
144 watching
0
Investor Insights
star iconJun 25, 2026, 12:00 am

This summary was created by AI, based on 38 opinions in the last 12 months.

Citigroup Inc. (C) is experiencing a notable turnaround under its new CEO, who has implemented effective cost-cutting measures and strategic rationalization of the bank. Analysts highlight that the bank recently reported impressive earnings growth, with a 56% increase in its latest quarter, marking some of its best performance in decades. Despite this resurgence, experts express concerns that Citigroup's valuation remains slightly rich in relation to its growth potential. The company's performance is compared favorably to its peers, although it is often noted as undervalued compared to competitors like JPMorgan Chase (JPM). With a solid progression towards profitability, a strong dividend yield, and a positive outlook driven by ongoing strategic improvements, many analysts remain bullish on Citigroup while acknowledging macroeconomic uncertainties affecting the broader banking sector.

consensus icon
Consensus
Positive
valuation icon
Valuation
Undervalued
review icon
Similar
JPM, JPM
COMMENT
Thinks the whole us banking sector has an opportunity do well over the intermediate to long term. Would prefer Bank Of America (BAC-N) or Goldman Sachs (GS-N).
DON'T BUY
The walking dead. Things are looking a little better but still a high risk bank to own.
BUY
Owns BNS and TD, small weight, for international exposure. 70% of Citigroup’s earnings are from International business. It has overtaken their domestic stuff. There are execution risks, but the stock has been behaving better. This is a good way to get exposure to capital markets in other parts of the world. If it can trade through $5 there is probably a leg up from here.
DON'T BUY
$300 billion market cap before the crisis at $50 a share. Today running at $5 and people feel it is down 90%. Previously had 5 billion shares outstanding and today have almost 30 billion outstanding because government had to buy so many shares to save them. Still trying to fix so many things that were broken. Better places to be.
BUY
Charting wise, it looks great. When you have a recovery in the stock market, financials usually have to be a part of that. Expect dividends will start to increase and there will be an acceleration of earnings.
TOP PICK
5.16% bond callable May 24/22. Trading at a discount. Yielding over 7%. Feels they have made the transformation out of the government’s hands and have divested a lot of non-core assets. Good global franchise.
DON'T BUY
Needs a demonstrable record of risk management. Could go up if they have a good quarter, but it is not his style.
COMMENT
Most US banks have come back because of the incredibly steep yield curve. Short-term rates are very low and 1yr-30yr rates are much higher so it’s very easy for banks to invest in the bond market and make huge spreads, which is very good for earnings. This one is still a horrible bank.
BUY
Interesting story at these levels. Government will slowly get rid of their position. Making a lot of cash because they are not lending to anybody. Great international and credit card franchise. Not sure if they have the ability to generate the type of earnings that they did in 2005-2006. Will certainly go up in the next while.
DON'T BUY
For any of the US banks it will take time for performance to improve. A lot if them are trading at around 6 to 10 earnings.
TOP PICK
Citigroup Bonds: 5.16% 05/24/2027 Thinks they have gone through the worst. Very, very good turnaround. Not super liquid so it takes time to get into this position. Have a good franchise. Have proven they can cut costs – management is doing a good job.
DON'T BUY
The problem with US institutions is that they are large, leveraged entitles. There are so many assets of questionable value. There is so much uncertainty as to what assets on the balance sheet are worth that it is hard to get a comfort level as to what the true book value of these institutions is.
DON'T BUY
Have good international holdings. Thinks it will go up but are constantly de-risking themselves because US government owns them. Prefers others that are safer.
BUY
In the long term he thinks they will come back. Government ownership is going to start to dissolve away. From this level you can look at it as a trading position but thinks they will come back and start to deliver. Sees decent earnings growth this year and next.
DON'T BUY
Still a bit of a work in progress and doesn't feel it is time to go into it yet. US government at one time owned 36% of outstanding shares and they still own a lot of them.
Showing 436 to 450 of 745 entries