NYSE:C

Citigroup Inc. (C)

144.98
+1.39 (0.97%)
as of Jun 25, 2026, 8:00:00 pm Market Open.
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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.

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Consensus
Positive
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Valuation
Undervalued
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Similar
JPM, JPM
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.
DON'T BUY
If you want exposure to US financials, there are better choices. Government still owns 34% so it is restricted in terms of what it can do in compensations, dividends and stock buybacks. There is still weakness and consumers so they are hurting on the credit side.
SELL
Has a lot of problems. A government owned bank now. There are a lot of moving parts in this company and it is hard to get them all moving in the right direction.
DON'T BUY
Haven’t paid back any of their TARP money. Growth will be muted, then have to raise more equity. Would prefer a derivative like an ETF. Would prefer Bank of America for a levered US bank.
DON'T BUY
It looks as though most of the US banks are ready to break out of their funk. What you don't know is what is lurking in the weeds on the balance sheet.
DON'T BUY
He prefers Goldman Sachs (GS-N) in the US financials. Also, JP Morgan (JPM-N) might be better. This one is trading just above its 50 day and 200 day moving average so the technicals look interesting but it is trading at a 42X forward earnings, which is pretty rich.
DON'T BUY
Owned in the past. US Banks are a treacherous area. Dilution factor is 4-5 fold compared to last year.
DON'T BUY
(Market Call Minute.) A a lot of problem assets that are going to take a long time to work out of.
DON'T BUY
Book value is about $5.75 and this is trading at around tangible BV right now. He prefers Bank of America (BAC-N) right now.
N/A
The gamble is this space is over. You might be disappointed if you put your money in this one. Prefers others. When city group it a buck that was the chance. Look to other banks.
DON'T BUY
Valuation condition tells him that the market is very sceptical about their balance sheet. Looking at some of the potential emerging problems still in the US financials he feels very much the same way. No Fair Market Value so strictly a speculation.
DON'T BUY
Good news is that they have taken the risk of bankruptcy almost away by doing a big conversion of preferred stocks into common stocks so the balance sheet is in much better shape. However a lot of the easy money has already been made.
SELL
Entering into the financial crisis of 07-08 they were considered the leader in financial services. Coming out they were no longer the leader. Have a few issues in the credit area. Diversified into the consumer space quite a bit, which is still reeling. There have been downward revisions in quarterly estimates. Could look for a buy opportunity later on. Better opportunities elsewhere. (See Top Picks.)
DON'T BUY
If you are going to buy US financials, there are better names to play. Wouldn't touch this one.
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