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
DON'T BUY
Has under-performed for a long time. Opportunity to buy other names. JP Morgan or Goldman Sachs a better investment.
DON'T BUY
They reported a modest revenue beat and a big earnings beat, mostly from higher net interest margins. Their investment banking is ugly. Net interest income was up 10%. They reiterated full-year forecast. He remains skeptical. Historically, they have rallied in response to earnings, but those gains always fade.
BUY
It's very cheap, well below tangible book value. The CEO has been in the hot seat since 2021, but she is shedding non-core assets and improving internal systems. So, market sentiment is turning around.
BUY
Pays a 4% dividend yield and trades at a single-digit multiple. They will buy back shares inevitably.
DON'T BUY
A cheap stock that will stay low. He prefers JPM.
DON'T BUY
They report Friday. Its book value is much higher than stock price. A conundrum. Until there is earnings momentum, he won't buy this. There are better banks.
TOP PICK
Stands out with its compelling valuation. Global, strategic money-centre bank at 55% of book value. Too cheap to ignore. Very strongly capitalized company. Recession concerns have held the banks back. May stall out in a recession, but significantly more upside than down from here. Yield is 4.05%. (Analysts’ price target is $65.02)
DON'T BUY
He ranks this very negatively. Something is wrong with their balance sheet or something very wrong with the company, though he can't pinpoint what. The yield pays 4%, but the yield curve is ugly for all banks. He won't touch it.
DON'T BUY
He owns calls, not stock. Citi has just not performed and deserves to be punished.
DON'T BUY
Always the laggard. Very inexpensive at 65% book, but there's a reason. Not managed well, big exposure to international markets, biggest exposure to Russia, tepid loan growth. Doesn't see a catalyst. He owns BAC, JPM, and MS.
SELL
A value trap! After earnings season, he will sell this and use this as a source of funds to buy another stock(s), perhaps financial.
SELL
A value trap! Every new CEO gets into something new like emerging markets or Russia. After earnings season, he will sell this and use this as a source of funds to buy another stock(s), perhaps financial.
DON'T BUY
He got out after losing on a short-term trade. It's tough to turn around a bank, especially in a tough environment.
COMMENT
There will be a pretty bad quarter in their investment banking businesses among the US banks. Rough. Who is buying SPACs anymore and where are the IPOs? He likes the managers of both banks and these shares will be higher in a year.
SELL
In the last 6 months, he cut his bank holdings by 50%. Citi suffers from being too global, and Citi will be under further pressure under this market. Doesn't see a turnaround here. He holds many other US banks.
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