NYSE:C

Citigroup Inc. (C)

136.87
+3.30 (2.47%)
as of Aug 4, 2026, 8:00:00 pm Market Open.
144 watching
0
Investor Insights
star iconAug 4, 2026, 12:00 am

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

Citigroup Inc. has garnered positive reviews over its significant turnaround under the leadership of its new CEO, who has focused on cost-cutting and streamlining operations. The bank recently reported impressive earnings, with revenue growth and profitability metrics reaching new heights. Experts believe the company is making strides toward becoming more comparable to better-managed peers, with a strong global footprint and a diversified business model. Despite some macroeconomic concerns, analysts view the current valuation as attractive, highlighting a potential for future growth and improved returns on equity. Increasing dividends and buybacks further bolster the sentiment surrounding Citigroup, suggesting a strong recovery story in progress.

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Consensus
Buy
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Valuation
Undervalued
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JPM
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.
DON'T BUY
This one is a basket case and he wouldn't go near it.
COMMENT
Citigroup Canada bonds due July 2011? Thinks this company is past the worst of the credit cycle. Likes that they have recently been able to issue debt on their own without the FDIC guarantee. Expects that in the next 8 to 12 months they will be able to start repaying some of the TARP money.
DON'T BUY
In a difficult situation because one of the issues they are going to have. Great global franchise, credit card franchise and investment banking franchise. Retail franchise is actually quite small and this is going to hurt them. Would prefer others.
COMMENT
Options about one year out? If you are going to buy options on this he would definitely go out a full year. Keep it small because it is a very high-risk trade and you will have time working against you.
COMMENT
Compared to other US banks there is more risk of dissolution of capital. Management has not been well accepted by the street. Likes the US financials in general but would rather buy the Financial ETF (XLF-N).
HOLD
CitiGroup Canada 4.54% bonds maturing 2013. Think they have passed through the worst part of the crisis. They are getting their TARP funding and are able to issue debt through FDIC. Solid investment grade. Would hold to maturity.
DON'T BUY
One of the US financial institutions that is in a class that you have to look at as an option. If it is still around in 5 to 8 months you'll probably have some pretty significant gains. But if the financials run into more difficulty they could be diluted to basically nothing. He would prefer something with more of a retail presence.
SELL
There is no risk of this going bankrupt. However, its earning power, much like the other US banks, is probably going to be challenged for quite some time. These companies are going to be forced to go through a de-leveraging process, therefore lower ROE’s, lower growth rates and probably lower earnings multiples.
WATCH
There has been a big recovery in the US bank stocks. There are still some risks. There are rumours that they have failed the Stress Test. They also have to raise some capital to survive the environment.
DON'T BUY
Very toxic. A lot of the recent run-up has been short covering and momentum players getting on board. Has a lot of exposure to commercial real estate, which is just starting to fall apart.
DON'T BUY
It is a speculation. Doesn’t recommend the US Banks.
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