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→Intact: The reason to own it still holds.
Citigroup aims for a 10-11% RoTCE in 2026. RoTCE rose from 9.1% to 13.1% in one year. It is expanding services like metal clearing to grow. The bank is the top investment banker in India.
AI may disrupt jobs and hurt profit growth. Guidance was recently cut. Legal and divestiture issues could slow progress.
The price is about 8% above our fair value near $130. Analysts expect about 9% revenue growth. Our fair value is 11% below the Street median.
Breaks if: YoY revenue growth falls below 7% next year
Citigroup aims to achieve a Return on Tangible Common Equity (RoTCE) of 10-11% for the year 2026.
Standing thesis, reviewed periodically — not a price target or advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Stated in 4 of last 4 quarters. RoTCE increased from 9.1% in 2025-Q1 to 13.1% in 2026-Q1, showing progress towards the 10-11% target. The trajectory is delivering as management has consistently emphasized this goal.
“CEO: 'We remain very much on track to deliver the 10-11% RoTCE target this year.'”
“CEO: 'Committed to reaching our target of 10-11% RoTCE for the year.'”
“CEO: 'Next year’s 10-11% RoTCE target is a waypoint, not a destination.'”
“CEO: 'We are committed to achieving our 10-11% RoTCE target for 2026.'”
Breaks if: RoTCE falls below 10% in FY26
Citigroup aims to achieve a Return on Tangible Common Equity (RoTCE) of 10-11% for the year 2026.
Stated in 4 of last 4 quarters. RoTCE increased from 9.1% in 2025-Q1 to 13.1% in 2026-Q1, showing progress towards the 10-11% target. The trajectory is delivering as management has consistently emphasized this goal.
“CEO: 'We remain very much on track to deliver the 10-11% RoTCE target this year.'”
“CEO: 'Committed to reaching our target of 10-11% RoTCE for the year.'”
“CEO: 'Next year’s 10-11% RoTCE target is a waypoint, not a destination.'”
“CEO: 'We are committed to achieving our 10-11% RoTCE target for 2026.'”
Breaks if: Loss of key clearing memberships or decline in India banking rank