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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Similar
JPM
DON'T BUY
Attractive valuation, but sometimes things are cheap for a reason. Why is this, and what's the catalyst that will change it? Struggled over the years. International operations have been negative. Managerial missteps. New CEO has made promises, but he'll stick with JPM, MS, and BAC.
HOLD
He's holding on. Citi is not a Russia story, even though they have more exposure to Russia than any US bank, but less than European banks. The story is really about people always pricing Citi at a discount and the bank has always had to prove they have compliance and control over far-flung units (like Russia). This is happening at a time when we're questioning the growth on Main Street and when there's a flattening yield curve.
DON'T BUY
Citi's large Russia exposure compared to its U.S. peers It's not so much their Russia exposure, but their larger exposure to Europe. If Europe falls into recession because of the Russian invasion, Citi will see more credit losses. Shares should and deserve to be cheap, but it's frustrating. She'd rather buy Bank of America, which is far more America-centric.
BUY
As a trade--Citi. Last December it traded around $58 and bounced to $67, then traded back down to that level.
PAST TOP PICK
(A Top Pick Mar 12/21, Up 6%) Trades at 8X with 8% growth rate so is still pretty cheap. Higher cost structure holding it back. Streamlining - selling some businesses to help margins.
BUY
In addition to rising rates, she also likes financials that have asset managers or investment arms or broker dealers. The more volatility we're seeing, those who trade stocks bonds traders make money on that flow, and so they will do better and get more trading volumes. Also, trading platforms (that make money on the trading of securities) will do well in the next cycle.
BUY
He started a new, small position. A rising yield curve and rates will benefit. Citi has lagged peers so badly, but the CEO is doing the right moves. So, he is entering Citi now.
DON'T BUY
Value trap? It's nothing. It lacks the growth expected from a bank, lacks the deposits and consistency, and sells well below tangible book value. It's a show-me story which concerns him. Their Q4 report had charges he didn't understand. BOA, MS and WF are better.
Unspecified
Not much growth in revenue or other important measures (cash flow). Current valuation cheap, however, not a consistent return on equity. Doesn't follow banking sector.
TOP PICK

Stock current yields over 3%. Trading at 6x earnings. Stock has under preformed in relation to competitors, however, new CEO making positive changes. Believes that company is valued at 75% of tangible assets. No reason to believe company is only worth 75% of tangible assets. Investors can collect 3% dividend yield, while company improves valuation.

COMMENT
It reports Friday. Is this a new Citi? It's lagged during a great banking rally. Can the CEO convince the street? It's cheap vs. its tangible book value. It paused buybacks in December due to laws, or so they said.
DON'T BUY
Orphan child of money centre banks, not doing as well. It is inexpensive, but it's cheap for a reason. What's the catalyst that will move the needle? New management. Not enough there for him to invest. Likes the sector and the regionals. Banking is the place you want to be, just not here.
BUY
Options trading He just bought some calls. He saw people buying upside calls, so he pounced on it.
DON'T BUY
This stock was very very cheap but has had difficulty improving profitability. Has one of the lowest ROE's in the banking sector, Not very well run. He would own a different bank.
BUY ON WEAKNESS
It's down $18 from its $80 high and trading at a $17 discount from its tangible book value. It's a steal. One to consider nibbling at during this Omicron sell-off.
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