NYSE:C

Citigroup Inc. (C)

132.87
-2.28 (1.69%)
as of Jun 5, 2026, 3:36:39 pm Market Open.
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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.

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Consensus
Buy
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Valuation
Undervalued
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Similar
JPM
DON'T BUY
Prefers Bank of America (BAC-N), which has a lot less dilution. You'll probably make money on this one but with a lot more risk.
DON'T BUY
A lot of issues they have to sort out. Will be very hard for them to turn around.
DON'T BUY
Running a little more risk than with others in this space. Have been heavily diluted. US banks as a whole have the wind at their back with the steep yield curve.
DON'T BUY
Repaid Tarp late last year but US government still owns about 1/3. When government start selling off their holdings, it will make them make dilutive. Wait until the government has stepped aside. Would be a longer-term play on housing, credit cycle and credit card commercial debt. No yield.
DON'T BUY
Not a big fan of financials. From September on, earnings quality and earnings growth became the most important things and financials in general are going to have a hard time generating ROE that people are used to. Dilution because of new issues, tough new regulations, diluted trading revenues could create a contraction in earnings multiples.
DON'T BUY
If they can pay TARP back and get going again there could be tremendous moves as money starts moving back in. Once the balance sheet is cleaned up they have tremendous ability to make money. Prefers emerging-market banks instead because there are too many skeletons in the closet.
DON'T BUY
An aggressive play. If you are really bullish on the markets and financials in general, this could give your best return but is subject to large dilution. More difficult turnaround for this one. Has a higher cost structure embedded in it.
DON'T BUY
Would not want to own this one at this point. Expected to make $.10 next year. Trading at 34.5X PE, which is too rich.
DON'T BUY
City holdings has a significant asset portfolio which is unknown. Gov’t still owns 1/3’rd and will decrease it. It has strong earnings power. Once you remove the overhang, it has potential to move in the right direction, but he wants more cash flow and more predictability in the assets.
DON'T BUY
There are rumours out that they will be raising another huge whack of equity to pay off their 8% preferreds that they owe the US government. This will create dilution of anywhere from 10% to 20%. Too speculative.
SELL
(Market Call Minute.) There are better alternatives.
HOLD
Stock was hit and finished with a low and right now it is in kind of a semi-positive manner and on a 4-5 month Hold it could see $6-$7 but you should have a stoploss near $3.50.
HOLD
(Market Call Minute.) One of the US companies that has too much TARP exposure and can't attract good management because of executive pay constraints.
BUY
Like buying a warrant under US banking system. At this price, you could put some mad money in. US government has set the table for US banks and it couldn't be better. The interest they are paying is practically zero so they are getting big spreads and earning lots of money. A good gamble.
BUY
(Market Call Minute) But very, very risky.
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