Financial Performance
5Y price score: 100
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 191.7%
%
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95.0
52-week range
147.9
Your model inputs
Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
(11.7) %
Dividend Yield TTM
2 %
Market cap $
$ 208,422
Price / Earnings TTM
12.1
Price / Book TTM
1.1
PEG TTM
0.7
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
31.5 %
86.6 %
191.7 %
Free cash flow per share growth
(5,220.2) %
(210.3) %
(427.7) %
Earnings per share growth
53.2 %
47.8 %
29 %
Founded: 1,998
Employees: 229,000
Business Summary:
Q&A
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Latest Earnings Call Takeaways
2026 Q3 (Oct 13, 2026)
1) Financial Performance Highlights
- Net income for Q3 2026 was $5.2 billion, with an EPS of $2.85 and an ROTCE of 11.5%.
- Revenues increased by 8% YoY, marking the best third quarter revenue in a decade.
- Positive operating leverage achieved with expense growth limited to 3%, excluding notable items from the previous year.
- ROTCE improved by 180 basis points YoY, with net income up 17%.
2) Business Segment Results
- Services: Revenues surged by 15%, driven by growth in deposits and commercial card spend. ROTCE reached 31.2%.
- Markets: Revenues rose 6%, with equities up 14% and fixed income up 4%. ROTCE was 12.3%.
- Banking: Revenues increased 6%, particularly strong in ECM with a 77% growth. ROTCE stood at 19.2%.
- Wealth: Revenues grew 15%, with ROTCE over 14%. Net new investment assets reached $38 billion, up over 100% YoY.
- US Consumer Cards: Revenues were flat due to higher partner payments, but general purpose loans grew 6%. ROTCE was 21.8%.
3) Strategic Initiatives and Investments
- Continued investment in high-quality talent and technology, with a focus on structural efficiencies and AI deployment.
- Launched new offerings like Citi Token services and Custody Plus to enhance client capabilities.
- Preparing for the deconsolidation of Banamex, with 49% of the stake already divested.
- Expect to exceed ROTCE targets of 10-11% for the year, aiming for 11-13% in the near term.
4) Challenges and Market Outlook
- Facing headwinds from higher energy prices and tighter monetary policies, but the global economy remains resilient.
- Anticipating a typical seasonal decline in market revenues in Q4, potentially around 20%.
- Credit metrics remain strong with low delinquency rates and a high-quality loan portfolio.
5) Guidance and Future Outlook
- Full-year ROTCE expected to be above 11%, with continued focus on expense discipline and capital return to shareholders.
- Capital return included $3 billion in share buybacks this quarter, with a CET1 ratio of 12.8%, well above regulatory minimums.
- Future capital allocation will depend on evolving regulatory requirements and market conditions, with a glide path to 13.1% CET1 by January 2028.
Bottom line: Citi's strong Q3 performance reflects effective execution of its strategy, with robust growth across key segments and a commitment to maintaining high returns while navigating market challenges. The outlook remains positive, with continued investments in technology and talent expected to drive future growth.
Annual Reports, Presentations And IR Contacts
Go to the websiteCitigroup Inc. — Financial Overview, Stock Price, Market Cap
Citigroup Inc. is a company. Founded in 1998. As of October 19, 2026, the company's market capitalization is $208421520288 with a current stock price of $124.25.