| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 78 | 13.5x | 17.3x | Top tier | |
Growth | 38 | 4.0% | 7.1% | Bottom tier | |
Quality | 51 | — | — | Around median | |
Safety | 11 | — | — | Bottom tier | |
Capital Return | 66 | 2.39% | 0.18% | Top tier | |
Momentum | 81 | 38.0% | 1.1% | Top tier | |
Sentiment | 85 | 13 | 3 | Top tier |
10-year US Treasury yield 5.31% as of 2026-10-05. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Citigroup Inc. is a diversified global bank that generates revenue through five main businesses: Services for payments, liquidity management, and securities services; Markets for fixed income and equities; Banking for capital markets, lending, and advisory services; Wealth for wealth management; and U.S. consumer cards. The strength of the model rests on an international network that is difficult to replicate; Services deposits exceeded $1 trillion in fiscal Q2 2026, while total group deposits reached $1.5 trillion and assets reached $2.9 trillion.
In fiscal Q2 2026, Citigroup posted its highest quarterly revenue in a full decade at $24.8 billion, up 14%, with net income of $5.8 billion and earnings per share of $3.15. Net income was equivalent to about 23.4% of revenue, and return on tangible common equity was 13%, while expenses of $14.2 billion grew by only 5%, reducing the efficiency ratio to below 58% and delivering positive operating leverage of more than 9%.
Growth was broad-based across the business mix: Services revenue rose 18%, with the unit generating net income of $2.6 billion and a tangible return of 30.9%; Markets revenue increased 17% with net income of $2.4 billion; Banking surged 34%; and Wealth grew 13% and achieved a pretax margin of 23%. U.S. consumer cards revenue rose by only 1%, but the business generated net income of $852 million and a tangible return of 22% after adding more than $6 billion of American Airlines portfolio loans across more than 2 million accounts in April 2026.
The stock carries a consensus “Buy” rating and an average price target of $150.18, within a wide range of $139 to $165; the average is only about 1.5% above the 52-week range high of $147.96, while the highest target exceeds that high by about 11.5%. No usable price-to-earnings ratio is available in the data, so the case valuation rests on improving tangible returns and earnings versus the risks of Markets seasonality and higher card investments, while noting that the 52-week range of $92.96 to $147.96 reflects the extent of the repricing.
Figures in the text are as of 2026-08-26; the live price is shown at the top of the page.
Citigroup generated revenue of $24.8 billion, up 14%, net income of $5.8 billion, and earnings per share of $3.15 in fiscal Q2 2026. Revenue in four of the five businesses rose at double-digit rates, led by Banking at 34%, Services at 18%, Markets at 17%, and Wealth at 13%. Expense growth of only 5% also produced positive operating leverage of more than 9% and a tangible return of 13%.
Services relies on Citi's global network for payments, liquidity management, and securities services and generated the highest quarterly revenue in its history during fiscal Q2 2026. Deposits rose 19% to exceed $1 trillion, cross-border transaction value increased 13%, and assets under custody and administration grew 22%. As a result, the business generated net income of $2.6 billion and a return on tangible common equity of 30.9%.
In April 2026, Citi completed the acquisition of the additional American Airlines card portfolio, adding more than $6 billion of loans and more than 2 million accounts. In fiscal Q2 2026, general-purpose card acquisitions rose 135%, spending volume increased 12%, and average loans grew 8%. However, revenue grew by only 1% and expenses by 10%, while non-interest revenue fell 47% because of partner payments and new account acquisition costs.
Automated analysis for informational purposes only — not investment advice.
Citigroup launched a commitment to repurchase $30 billion of common shares and completed $4 billion of purchases in fiscal Q2 2026. It plans to increase the quarterly cash dividend by 12% beginning in fiscal Q3 2026, with each dividend subject to quarterly board approval. The CET1 ratio was about 12.8% at the end of the quarter, compared with a regulatory requirement of 11.6%.
Management is targeting a return on tangible common equity of between 10% and 11% for fiscal 2026, after achieving 13.1% in the first half. It expects net interest income excluding Markets to grow by about 5% to 6% and the efficiency ratio to be around 60% as investments and severance expenses increase. Conversely, Markets revenue could decline in the second half by more than its historical average of 20% if the environment weakens, and management also expects card expense growth to exceed revenue growth during some subsequent quarters.
News on August 19, 2026, indicated that Citi intends to offer institutional bitcoin custody through Custody+, with key management and wallet infrastructure, and to connect the service with settlement, foreign exchange, and cash management. The bank is targeting integration of the bitcoin custody service before the end of 2026, with the first phase focused on bitcoin. On August 14, 2026, Citigroup agreed to acquire Kard to integrate personalized rewards and merchant offers into its U.S. consumer cards unit, but the transaction's financial impact was not specified in the data.
