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Citigroup (C) stock

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NYSE: C NYSE Diversified Banks Next results ~January 14, 2027

C+ Fundamentals grade

Citigroup is a US-listed company in the diversified banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$98

Valuation models combined (6)

Base case. Range ~$77–$130. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Modestly overvalued

The price is inside our value range, 26% above our base value.

Price used: $123.10, November 2, 2026

Citigroup valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

Value diary

Our note on each quarter Citigroup files

10-Q filed August 6: Citigroup

Model value −14.3%

Citigroup's revenue for the twelve months to June 2026 reached $91.4bn, a 10.2% increase on the year before and an acceleration from the 8.6% pace recorded a quarter earlier. Meanwhile, the diluted share count has fallen 6.4% year on year, which boosts earnings attributable to each remaining share. Despite this, our model value has dropped from $105 to $90.38 a share. That figure sits well below the current share price of $123, a gap that keeps the valuation case unconvincing. Buybacks have supported per-share metrics, but revenue growth alone cannot close the distance between our estimate and where the market has priced the stock. The rating remains Sell.

Source: 10-Q filed August 6, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Citigroup stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $85.2bn, up 5.6% on a year earlier, slower than 8.3% a quarter earlier. The diluted share count is down 3.5% on a year earlier, which lifts each remaining share. Our valuation models combined value is $101 a share, against a share price of $122.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 14, 2027 (estimated)

Citigroup's trailing-twelve-month revenue grew 10.2% year on year, with a free-cash-flow margin of -26.8%. Where it stands out: change in share count of -6.4% ranks 1 of 14 diversified banks companies we cover. Where it lags: net margin of 19.5% ranks 13 of 14 diversified banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 73.8% while net income grew 25.8%: a 48pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Shrinking share count. Diluted shares fell 6.4% in a year, so each share owns more of the business.
  • Net cash. Cash exceeds long-term debt by $32.7bn.

Things to watch

  • Priced above our value. The share price of $123.10 is 20% above our value per share of $98.
  • Burning cash. Free cash flow was -26.8% of revenue over the last 12 months.
  • Insiders selling. 8 insiders sold $23M of stock over the past 365 days and none bought (0% under pre-set trading plans).
  • Weak cash conversion. Free cash flow was -137% of net income over the last 12 months.
  • Below peers: net margin. Net margin of 19.5% ranks 13 of 14 diversified banks companies we cover (median 27.5%).

Latest results: FY2026 Q2

Filed August 6, 2026
Earnings per share
$2.83 against an average estimate of $2.62: beat by 7.9%
Revenue
$24.77bn, up 14.3% on a year earlier
Next report
January 14, 2027; average EPS estimate $2.29

Citigroup's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+0.9%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$91.4B
Net margin
19.5%
EPS (TTM, diluted)
$9.92

Growth

Revenue growth
+10.2%
Change in growth rate
+1.6 pts
Share count change
−6.4%

Earnings

Last results
October 13, 2026
Next results (est.)
January 13, 2027

News & updates

Updated November 1, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Leadership

    Citigroup lists new floating rate notes on NYSE

    Citigroup said it registered several classes of securities with the New York Stock Exchange on October 21, 2026. The filings included Medium-Term Senior Notes due in 2028 and 2029, along with preferred stock and trust preferred securities. The company listed these instruments under its existing ticker symbols.

    SEC 8-KRead source ↗
  2. Results

    Citigroup lists new senior notes on NYSE

    Citigroup said it registered several series of medium-term senior notes for listing on the New York Stock Exchange. The filings cover fixed and floating rate instruments due between 2028 and 2029. The company also listed its existing preferred stock and trust preferred securities.

    SEC 8-KRead source ↗
  3. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Citigroup valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Sell12-month view
12-month price target
~$98
Price used
$122.74close November 3, 2026
Implied change
▼ 20%
Uncertainty
Medium

How we got here: the combined value of 6 valuation models built for a business like Citigroup (see the models table below and how they are combined) , with a 8.45% cost of equity. The models span ~$77–~$130; that spread sets a 25% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Citigroup as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$90 ~$62–$130 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$77 ~$65–$95 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$130 ~$67–$190 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$89 ~$120–$170 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$130 ~$120–$150 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$84 ~$70–$100 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$98 ~$77–$130 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Citigroup with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

45 /100

Moderate moat

How hard Citigroup's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 5 / 20

    Net income has been a median 0.6% of total assets over 10 years.

  • Durability 5 / 20

    Net margin has been a median 18.5%; its worst year was -7.7%.

  • Discipline 20 / 20

    The diluted share count fell 14.1% over five years; stock-based pay has been a median 2.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (50 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 14, 2027, before the open. Analysts expect revenue of $22.9bn and EPS of $2.29 (range $2.16 to $2.38) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $11.39 +51% $96.0bn +13%
Next $13.06 +15% $100.2bn +4%

Next year's EPS estimate has moved +2.0% in 90 days, across 12 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +2.7% on 90 days ago. In the last 30 days, 2 analysts raised Citigroup's forecast and 2 cut it.

Consensus EPS forecast Citigroup, last 90 days
$11.00 $11.50 $12.00 $12.50 $13.00 $13.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $11.09 Current fiscal year, 60 days ago: $11.18 Current fiscal year, 30 days ago: $11.18 Current fiscal year, 7 days ago: $11.39 Current fiscal year, Now: $11.39 $11.39 Next fiscal year, 90 days ago: $12.81 Next fiscal year, 60 days ago: $12.88 Next fiscal year, 30 days ago: $12.90 Next fiscal year, 7 days ago: $13.05 Next fiscal year, Now: $13.06 $13.06

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $11.09$12.81
60 days ago $11.18$12.88
30 days ago $11.18$12.90
7 days ago $11.39$13.05
Now $11.39$13.06

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $2.62 $2.83 +7.9%
Jun 2026 $2.71 $3.14 +15.6%
Mar 2026 $2.60 $3.06 +17.9%
Dec 2025 $1.62 $1.24 −23.4%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 13, 2026

No numeric guidance in Citigroup's latest earnings release (filed October 13, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

23 analysts, Oct 2026
Buy1878%
Hold522%
Sell00%

Monthly trend

  1. Oct 2026513523
  2. Sep 2026512522
  3. Aug 2026512522
  4. Jul 2026512522

Counts of recommendations published by analysts covering Citigroup, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
0.0%
of tradable shares
Days to cover
0.03
at average volume
Short interest, 1 month
−99%
to October 15, 2026
Held by institutions
83%
of shares
Held by insiders
0.3%
of shares
Employees
217,000
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

Price behaviour

52-week range
Not enough history
From 52-week high
—
vs 50-day average
—
vs 200-day average
—
Volatility (1 year)
—
Beta vs S&P 500
—

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Citigroup in five measures

Fundamentals grade C+
Growth Profitability Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Citigroup
$75B $80B $85B $90B $95B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $79B Revenue (TTM), FY23 Q4: $78.1B Revenue (TTM), FY24 Q1: $77.6B Revenue (TTM), FY24 Q2: $78.2B Revenue (TTM), FY24 Q3: $78.3B Revenue (TTM), FY24 Q4: $80.7B Revenue (TTM), FY25 Q1: $81.3B Revenue (TTM), FY25 Q2: $82.9B Revenue (TTM), FY25 Q3: $84.8B Revenue (TTM), FY25 Q4: $85.2B Revenue (TTM), FY26 Q1: $88.3B Revenue (TTM), FY26 Q2: $91.4B $91.4B

Source: SEC EDGAR filings. Retrieved November 1, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $79B
FY23 Q4 $78.1B
FY24 Q1 $77.6B
FY24 Q2 $78.2B
FY24 Q3 $78.3B
FY24 Q4 $80.7B
FY25 Q1 $81.3B
FY25 Q2 $82.9B
FY25 Q3 $84.8B
FY25 Q4 $85.2B
FY26 Q1 $88.3B
FY26 Q2 $91.4B
Revenue growth, TTM YoY Citigroup
-5% 0% 5% 10% 15% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 6.3% Revenue growth, TTM YoY, FY23 Q4: 3.6% Revenue growth, TTM YoY, FY24 Q1: 0.0% Revenue growth, TTM YoY, FY24 Q2: 1.1% Revenue growth, TTM YoY, FY24 Q3: -0.9% Revenue growth, TTM YoY, FY24 Q4: 3.4% Revenue growth, TTM YoY, FY25 Q1: 4.7% Revenue growth, TTM YoY, FY25 Q2: 6.0% Revenue growth, TTM YoY, FY25 Q3: 8.3% Revenue growth, TTM YoY, FY25 Q4: 5.6% Revenue growth, TTM YoY, FY26 Q1: 8.6% Revenue growth, TTM YoY, FY26 Q2: 10.2% 10.2%

Source: SEC EDGAR filings. Retrieved November 1, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 6.3%
FY23 Q4 3.6%
FY24 Q1 0.0%
FY24 Q2 1.1%
FY24 Q3 -0.9%
FY24 Q4 3.4%
FY25 Q1 4.7%
FY25 Q2 6.0%
FY25 Q3 8.3%
FY25 Q4 5.6%
FY26 Q1 8.6%
FY26 Q2 10.2%
FCF margin (TTM) Citigroup
-150% -100% -50% 0% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: -79.4% FCF margin (TTM), FY23 Q4: -102.5% FCF margin (TTM), FY24 Q1: -77.7% FCF margin (TTM), FY24 Q2: -29.9% FCF margin (TTM), FY24 Q3: -71.1% FCF margin (TTM), FY24 Q4: -32.4% FCF margin (TTM), FY25 Q1: -91.0% FCF margin (TTM), FY25 Q2: -113.0% FCF margin (TTM), FY25 Q3: -89.6% FCF margin (TTM), FY25 Q4: -87.0% FCF margin (TTM), FY26 Q1: -42.2% FCF margin (TTM), FY26 Q2: -26.8% -26.8%

Source: SEC EDGAR filings. Retrieved November 1, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 -79.4%
FY23 Q4 -102.5%
FY24 Q1 -77.7%
FY24 Q2 -29.9%
FY24 Q3 -71.1%
FY24 Q4 -32.4%
FY25 Q1 -91.0%
FY25 Q2 -113.0%
FY25 Q3 -89.6%
FY25 Q4 -87.0%
FY26 Q1 -42.2%
FY26 Q2 -26.8%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Citigroup earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $143B
  2. Fee and other income $25.4B · 29.8%
  3. Interest paid $83.1B
  4. Net interest income $59.8B · 70.2%
  5. Revenue $85.2B
  6. Non-interest expense $55.1B · 64.7%
  7. Credit-loss provisions $9.5B · 11.1%
  8. Pre-tax profit $20.6B · 24.2%
  9. Income tax $5.4B · 6.3%
  10. Other $917M · 1.1%
  11. Net income $14.3B · 16.8%

Shares of revenue. Source: Citigroup's 10-K for FY2025, as filed with the SEC. "Other" lines are what the reported lines leave unexplained.

Financial statements

US$ billions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 80.3 86.6 77.3 69.2 76.7 77.2 76.4 70.8 72.4 72.9 75.1 75.5 71.9 75.3 78.1 80.7 85.2 91.4
Gross profit — — — — — — — — 65.0 65.3 66.7 58.0 — — — — — —
Net income −1.6 10.6 11.1 7.5 13.7 7.3 17.2 14.9 −6.8 18.0 19.4 11.0 22.0 14.8 9.2 12.7 14.3 17.8
Diluted EPS −$7.99 $3.54 $3.63 $2.44 $4.34 $2.20 $5.40 $4.72 −$2.98 $6.68 $8.04 $4.72 $10.14 $7.00 $4.04 $5.94 $6.99 $9.92
Growth (year on year)
Revenue +55.6% +7.9% −10.7% −10.5% +10.9% +0.6% −1.1% −7.3% +2.3% +0.6% +3.0% +0.6% −4.8% +4.8% +3.6% +3.4% +5.6% +10.2%
Net income — — +4.4% −31.9% +81.1% −46.5% +135.9% −13.5% −145.6% — +7.5% −43.1% +98.7% −32.4% −37.8% +37.4% +12.8% +25.8%
Diluted EPS — — +2.5% −32.8% +77.9% −49.3% +145.5% −12.6% −163.1% — +20.4% −41.3% +114.8% −31.0% −42.3% +47.0% +17.7% +34.5%
Margins
Gross margin — — — — — — — — 89.7% 89.6% 88.8% 76.8% — — — — — —
Net margin −2.0% 12.2% 14.3% 10.9% 17.8% 9.5% 22.6% 21.1% −9.4% 24.8% 25.8% 14.6% 30.5% 19.7% 11.8% 15.7% 16.8% 19.5%
Free-cash-flow margin −70.8% 38.5% 79.3% −20.2% 77.9% 55.6% 47.9% 72.0% −16.8% 45.5% −24.2% −35.7% 59.8% 25.8% −102.5% −32.4% −87.0% −26.8%
Cash flow
Cash from operations −54.6 35.7 64.8 −10.4 63.2 46.3 39.7 53.7 −8.8 37.0 −12.8 −23.5 47.1 25.1 −73.4 −19.7 −67.6 −18.3
Capital spending 2.3 2.4 3.4 3.6 3.5 3.4 3.2 2.8 3.4 3.8 5.3 3.4 4.1 5.6 6.6 6.5 6.5 6.2
Free cash flow −56.9 33.3 61.3 −14.0 59.8 43.0 36.5 51.0 −12.1 33.2 −18.2 −26.9 43.0 19.4 −80.0 −26.2 −74.2 −24.5
Stock-based pay 3.8 1.9 1.6 1.7 — — — — — — — — — — — — — —
Free cash flow after stock pay −60.7 31.4 59.7 −15.6 — — — — — — — — — — — — — —
Balance sheet
Cash — — — — — — 133.1 160.5 180.5 188.1 193.9 309.6 262.0 342.0 260.9 276.5 349.6 366.4
Total debt 432.9 460.0 377.9 291.5 280.1 281.4 222.4 236.9 281.2 264.3 293.8 301.2 282.3 318.7 324.1 335.8 367.7 402.7
Net debt (negative = net cash) — — — — — — 89.3 76.4 100.6 76.2 99.9 −8.4 20.3 −23.3 63.1 59.3 18.1 36.3
Diluted shares 1,210m 2,968m 2,999m 3,016m 3,042m 3,037m 3,008m 2,888m 2,699m 2,495m 2,265m 2,099m 2,049m 1,964m 1,956m 1,940m 1,873m 1,798m
Returned to shareholders
Dividends 3.2 0.0 0.1 0.1 0.3 0.6 1.3 2.3 3.8 5.0 5.4 5.4 5.2 5.0 5.2 5.2 5.4 5.4
Buybacks 0.0 0.0 0.0 0.0 0.8 1.2 5.5 9.3 14.5 14.4 17.6 2.9 7.6 3.3 2.0 2.5 13.3 19.8
Total returned 3.2 0.0 0.1 0.1 1.2 1.9 6.7 11.6 18.3 19.5 23.0 8.3 12.8 8.3 7.2 7.7 18.6 25.2

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q2 TTM
Buybacks (TTM)
$19.8B
Dividends (TTM)
$5.4B
Returned to shareholders
-103%
of free cash flow
Buybacks, last 3 fiscal years
$17.7B
Diluted share count
−6.4%
year over year
Total shareholder yield
11.8%
dividends 2.5% + buybacks 9.3% of market value
Dividend payout ratio
31%
of net income paid out

Competitors: side by side with peers

Closest by revenue in diversified banks
Last 12 months unless stated C WFC BAC TD RY JPM Median
Revenue, last 12 months $91.4bn $87.2bn $120.2bn $48.4bn $47.6bn $199.4bn $28.3bn
Revenue growth, last 12 months 10.2% 5.4% 5.4% 15.1% 12.9% 13.5% 9.6%
Revenue growth, 3-year average 5.7% 2.0% 5.9% — — 10.7% 4.9%
Revenue growth, latest quarter 14.3% 2.0% 3.2% — — 27.7% 10.1%
Net margin 19.5% 26.3% 26.8% 30.3% 30.6% 32.6% 27.2%
Cash from operations / revenue −20.0% 33.1% 34.4% −102.8% 82.9% −81.5% 30.6%
Free-cash-flow margin −26.8% 24.3% 32.4% — 78.3% −86.2% 24.3%
Free-cash-flow margin, 3-year average −56.6% 1.5% 26.8% — 94.9% −62.3% 27.9%
Stock pay / revenue 1.9% 1.6% 3.5% — — 2.0% 1.6%
Change in share count −6.4% −5.8% −4.2% −1.8% −0.2% −3.6% −0.5%

Median of all 14 companies we cover in diversified banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

14 diversified banks companies
Measure Company Peer median Rank
Revenue growth Growth 10.2% 10.2% 7 of 14
Change in growth rate Growth +1.6pp +1.8pp 8 of 14
Net margin Profitability 19.5% 27.5% 13 of 14
Change in share count Balance sheet -6.4% -0.3% 1 of 14

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Geography
Region Revenue YoY
North America $44B ▲ 10.7%
International $42.3B ▲ 4.9%
United Kingdom $7.6B ▲ 13.4%
Corporate and Other Geographical -$1.1B ▼ 262.0%

These categories overlap or exclude eliminations, so shares aren't shown.

From Citigroup's 10-K filed February 20, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$187B
Institutions reporting
2,626
Shares held vs prior quarter
▲ 0.7%
Positions opened / closed
265 / 89

Top buyers and sellers, Q2 2026: 1,292 institutions bought and 1,071 sold ; the biggest buyer was Royal Bank Of Canada (+6.8M shares) and the biggest seller Capital World Investors (−7.1M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $20.9B 149.5M 11.2% ▼ 2.8%
Vanguard Capital Management LLC $15B 107.2M 8.0% ▼ 2.2%
State Street Corp $10.9B 77.9M 5.8% ▼ 0.2%
Geode Capital Management, LLC $5.7B 41.1M 3.1% ▼ 3.0%
Fisher Asset Management, LLC $5.1B 36.5M 2.7% ▲ 3.5%
Franklin Resources Inc $5B 36.0M 2.7% ▼ 7.6%
Capital World Investors $4.7B 33.6M 2.5% ▼ 17.4%
Vanguard Portfolio Management LLC $4.5B 32.4M 2.4% ▼ 0.3%
FMR LLC $4.4B 31.6M 2.4% ▲ 5.6%
Morgan Stanley $3.9B 28.1M 2.1% ▲ 1.0%
Bank Of America Corp $3.8B 27.0M 2.0% ▲ 0.5%
Jpmorgan Chase & Co $3.7B 26.1M 2.0% ▲ 19.8%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Citigroup's complete shareholder register. Values are as reported by the filers ; 6 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $23M 11 trades by 8 insiders · 0% under pre-set plans
Net ▼ $23M net selling
Insider Date Trade Shares Price Value
Dugan John Cunningham Director May 8, 2026 Sell 2,117 $125.30 $265,260
Giles Nicole CHIEF ACCOUNTING OFFICER April 15, 2026 Sell 12,732 $131.80 $1.7M
Skyler Edward Hd of Ent Svc & Public Affairs April 15, 2026 Sell 25,000 $131.41 $3.3M
Mason Mark Chief Financial Officer February 20, 2026 Sell 2,000 $114.96 $229,917
Mason Mark Chief Financial Officer February 20, 2026 Sell 1,627 $114.40 $186,128
Torres Cantu Ernesto Head of International February 13, 2026 Sell 43,173 $111.09 $4.8M
Torres Cantu Ernesto Head of International February 13, 2026 Sell 24,145 $111.14 $2.7M
Habner Pamela Head of U.S. Consumer Cards February 12, 2026 Sell 29,754 $117.26 $3.5M
Luchetti Gonzalo Head of U.S. Personal Banking February 12, 2026 Sell 19,974 $115.03 $2.3M
Garg Sunil CEO, Citibank, N.A. February 11, 2026 Sell 18,000 $118.49 $2.1M
Giles Nicole CHIEF ACCOUNTING OFFICER February 11, 2026 Sell 16,792 $119.04 $2M

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 90 trades and filings

In the last 12 months, 2 members of Congress disclosed 6 purchases and 1 sale of Citigroup shares.

  • Maria Elvira Salazar(R-FL 27):Sale (partial), $1,001 - $15,000, traded September 24, 2026, filed October 7, 2026
  • Maria Elvira Salazar(R-FL 27):Purchase, $15,001 - $50,000, traded March 19, 2026, filed April 21, 2026
  • Maria Elvira Salazar(R-FL 27):Purchase, $1,001 - $15,000, traded March 19, 2026, filed April 21, 2026

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 13, 2027 estimated from the company's past filing pattern, not announced

  • October 13, 2026
  • July 14, 2026
  • April 14, 2026
  • January 14, 2026

Recent SEC filings

Data status

When each part of this page on Citigroup was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Citigroup in brief

What does Citigroup do?
Citigroup is a US-listed company in the diversified banks industry. Its financial year ends in December.
What is Citigroup's stock ticker?
Citigroup trades under the ticker C on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Citigroup's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Citigroup reported revenue of $91.4B, 10.2% higher than a year earlier, according to its SEC filings.
What is Citigroup's free cash flow?
Citigroup's free-cash-flow margin is -26.8% of revenue over the trailing twelve months.
Who are Citigroup's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Vanguard Capital Management LLC and State Street Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Citigroup buying back stock, and does it pay a dividend?
Citigroup spent $19.8B on share repurchases over the trailing twelve months, and its diluted share count fell 6.4% over the year.
What is Citigroup's market cap?
On November 2, 2026, Citigroup's market capitalisation was about $221B, with a price-to-earnings ratio of 12.4 and net debt of $36.3B. Market figures come from third-party market data and may be delayed.
Does Citigroup pay a dividend?
Yes: Citigroup paid $5.4B in dividends over the trailing twelve months, a dividend yield of 2.54% and a payout ratio of 30.5%.
Who are Citigroup's competitors?
In our Diversified Banks peer group, the companies closest to Citigroup are Wells Fargo, Bank of America, Toronto Dominion Bank, Royal Bank Of Canada and JPMorgan Chase. The side-by-side comparison below sets their revenue, margins and growth against Citigroup's.
Are insiders buying or selling Citigroup stock?
Over the last 12 months, Citigroup's directors and officers reported 0 open-market purchases and 11 sales on Form 4. The insider trading page charts every trade.
When is Citigroup's next earnings date?
Around January 14, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Citigroup announces its own schedule.