NYSE:C

Citigroup Inc. (C)

136.87
+3.30 (2.47%)
as of Aug 4, 2026, 8:00:00 pm Market Open.
144 watching
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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
RISKY
A stock that could double from here, but big, big problems in the portfolio. Still own about $43 billion in leverage loans that they can't sell and will mean additional write offs. M & A business has slowed down. Also seeing an uptick in problems in consumer loans. Good dividend, but it could be cut. This information is public so the company is trading at one of the lowest multiples to book in the last 20 years. Not for the faint of heart.
COMMENT
There is some awfully smart money buying into some of these major US financials. This is a great franchise. In this sector, buy the best assets you can and hold them for the long-term.
DON'T BUY
Had such problems with the subprime market that they took a $17 billion write-down. Would prefer Merrill Lynch (MER-N), which has a thriving retail network.
BUY
Basically believes that the banking system will muddle through this problem. A basket of these financials with the yields they’re offering can be a very effective way to invest. Buy in measured proportions.
DON'T BUY
There are probably further write-downs to come. It is not clear what direction the bank is going to take. Could divide itself and sell off some of its operations. The supermarket approach has not seemed to work very well. Prefers J P Morgan (JPM-N).
DON'T BUY
We’ve been through a 5-year bull market and nobody has made any money on this stock. The stocks that didn't make headway in an up market, and to get hurt a lot more on the down side. There will be a lot more changes in this company such as job losses and a lot of restructuring.
TOP PICK
Even at these reduced earnings estimates, he has a model price of $40.85. There are several pieces of research on the street that suggests the company would be worth $60 if it were to break up.
DON'T BUY
Wouldn't go near this stock right now. It has the potential of having the most cockroaches of the major US banks.
WATCH
One of the largest banking franchises in the world and will not go bankrupt. If they cut the 7% dividend, that will be a good opportunity to buy.
TOP PICK
His model price is $46.49, a 54% positive differential. He put it through a stress test. They announced they were going to write off $7 billion to $11 billion and he used the figure of $15 billion. He took one analysts estimate of $290 for 08 and he used $284. Doing all this, his model price still came out to $37.00. They have ample capital to get them through this.
BUY
Has gone down too much. Big losses in their mortgage portfolio, but fundamentally it is a short-term issue. Next year they will still have very strong global retail banking, global credit card businesses and global commercial banking businesses. Their investment banking and equities business is in good shape. Trading at about 8X next year's earnings.
DON'T BUY
One of the world’s largest banks. A great franchise. Thinks it could make $4 a share on operating earnings on an ongoing basis and it's trading at $30. When the skies clear he thinks there will be good opportunities. Don't make any assumption that dividends will not be cut. New CEO will be the catalyst on this.
DON'T BUY
There is still mystery in the books and he would not buy into this. Has some management issues.
DON'T BUY
This company is going to have ongoing problems. They have problems with structured investment products and potential liability on products they have sold in the marketplace.
DON'T BUY
Too early to be buying any major bank stock. US banks will continue to have more write-offs. Has had a very volatile past.
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