NYSE:C

Citigroup Inc. (C)

132.87
-2.28 (1.69%)
as of Jun 5, 2026, 3:36:39 pm Market Open.
141 watching
0
Investor Insights
star iconJun 5, 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 significant turnaround under new management, demonstrating impressive earnings growth and strategic restructuring. Analysts highlight a remarkable Q4 performance, with earnings up 56%, and expect continued growth, particularly in wealth management and investment banking. Despite some macroeconomic pressures, such as rising interest rates, the stock trades below book value, providing a compelling investment opportunity. The CEO's focus on core franchises and operational efficiency is gaining recognition, making Citi an attractive choice relative to its peers, although some analysts still prefer JPMorgan Chase (JPM) for its stability and premium valuation. The overall sentiment suggests a positive trajectory, encouraging investors to capitalize on its current price point before potential price revisions occur.

consensus icon
Consensus
Buy
valuation icon
Valuation
Undervalued
review icon
Similar
JPM
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.
DON'T BUY
Balance sheets of all US major banks are stronger than they were. Will be interesting to see impact of credit write-downs and provisions for bad loans. Major concern is another soft period in US housing. This would not be his choice because of their dependence on the capital market side of things.
DON'T BUY
Company will survive, but it will be a while before they start paying dividends again. Still have a lot of problems. This is not something he would own within the financial services sector. There are a lot better bets in the Canadian market.
Showing 436 to 450 of 743 entries