NYSE:C

Citigroup Inc. (C)

138.51
+1.64 (1.20%)
as of Aug 5, 2026, 2:27:35 pm Market Open.
144 watching
0
Investor Insights
star iconAug 5, 2026, 12:00 am

This summary was created by AI, based on 40 opinions in the last 12 months.

Citigroup Inc. has shown significant improvement in its operations under its current CEO, which experts note as a remarkable turnaround story. The latest quarter highlighted record revenues, especially boosted by investment banking and trading, with earnings up 56%, fostering optimism about the bank's future profitability. Analysts are generally bullish, with many expecting a substantial upside, reflected in raised dividends and ongoing share buybacks. Despite some concerns regarding overall market performance affecting financial stocks, many view Citi as a more compelling investment compared to its peers due to its global footprint and structural advantages. Experts unanimously agree that Citi still has growth potential, emphasizing its ongoing transformation and cost-cutting strategies.

consensus icon
Consensus
Buy
valuation icon
Valuation
Undervalued
review icon
Similar
BAC
DON'T BUY
Concerned about severe dilution in 2008. You are looking at a stock at the same multiple as Canadian banks. Would prefer Canadian Banks.
HOLD
Had a big bounce off its lows. If you own it, he would keep it. He would not be surprised if they started to break it up. He doesn’t worn a US bank. He doesn’t know what’s inside C-N
COMMENT
Doesn’t own any US banks. If everything goes smoothly, the best leverage is in the US banks because they have been punished so much. (See Top picks.)
TOP PICK
Amazing global footprint. Tremendous earning power. Immense tax-loss carry forward. 60% of earnings are from outside the US. Will also benefit from the yield curve as the cost of money for them is .25% from the fed and they can turn around and loan that money or buy other securities that yield more than that.
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.
Showing 436 to 450 of 749 entries