Citigroup (C)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-07-07
$140.77-2.15%
Close 2026-07-07 · 1-day change
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Track C free→Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in deceleration. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Citigroup's growth relies on its AI investments and crypto platform to drive efficiency. Revenue growth is currently weak, but recent news suggests potential for improvement. It trades at 1.3× price-to-book, below the 2.1× peer median. This indicates that the price reflects less growth than expected. If Citigroup cuts guidance, it could face a significant decline. Peer multiples imply a price about 8% below where it trades; this read is provisional.
Trailing returns as of 2026-07-07. C is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 23 analysts currently covering C (as of Jul 2026).
Based on 9 Wall Street analysts offering 12-month price targets for C in the last 4 months.
A consensus fair price across 10 valuation methods, at three horizons. Current price $140.77. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Financials (broad) — fair value, gap to price, and forward P/E.
Strengthens Citigroup's advisory capabilities and market position.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-07. EPS is implied from price ÷ P/E. Not investment advice.
Current $140.77
The last 12 months of price, then the range of analyst 12-month targets from today’s $140.77.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Complete divestitures and transformation programs
Expanding services supports growth and transformation objectives.
Earnings growth expectations support RoTCE target.
Positive adjustment in price target reflects confidence in Citigroup.
Advances: Complete divestitures and transformation programs
Vietnam's growth potential aligns with transformation programs.
Advances: Achieve 10-11% RoTCE target for 2026
Positive forecast supports growth towards RoTCE target.
Threatens: Achieve 10-11% RoTCE target for 2026
AI may disrupt workforce, impacting RoTCE target.
Advances: Complete divestitures and transformation programs
Running gold vaults enhances Citi's transformation strategy.
