C
Citigroup Inc. (C) Stock Analysis
NYQ
$123.10
▲ +0.38%
Yahoo Finance chart (legacy) quote · as of Nov 2, 2026, 9:30 AM ET
$123.36
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$124.44
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$122.68
Low
$122.64
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Citigroup Inc. by the reported numbers
On the most recently reported figures, Citigroup Inc. (C) shows revenue up 5.6% and earnings per share up 17.7% year over year.
The business runs a net margin of 16.8%, a free cash flow margin of 87.0% and a 6.7% return on equity.
The ImpliedLens normalized earnings-value model places the shares 7.8% above the current price under its disclosed assumptions, which you can change. At today's price the market is implying 12.1% less growth than the reported figures support.
Valuation
| Forward P/E | 17.6× | Price / trailing four-quarter actual EPS · Dec 31, 2025 |
|---|---|---|
| Model upside | +7.8% | ImpliedLens normalized earnings-value model · Feb 20, 2026 |
| Conservative case | −46.6% | ImpliedLens conservative earnings-value model · Feb 20, 2026 |
| Implied growth gap | −12.1% | ImpliedLens price-expectations model · Feb 20, 2026 |
Growth
| Revenue growth | +5.6% | SEC filing · Feb 20, 2026 |
|---|---|---|
| EPS growth | +17.7% | SEC filing · Feb 20, 2026 |
| Share count change | −7.2% | SEC filing · Feb 20, 2026 |
Profitability and returns
| Net margin | 16.8% | Derived from SEC filing · Feb 20, 2026 |
|---|---|---|
| Free cash flow margin | 87.0% | SEC filing · Feb 20, 2026 |
| Return on equity | 6.7% | Derived from SEC filing · Feb 20, 2026 |
Balance sheet
| Equity / assets | 8.0% | Derived from SEC filing · Feb 20, 2026 |
|---|
Every figure above carries the source it came from and the date it was reported. Company filings as of Feb 20, 2026. Figures are reported and derived data, not advice, and the valuation model is one set of assumptions you can change.
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Questions to answer before investing in C
01What assumptions does the current C price require to deliver an attractive return?
02Can Citigroup Inc. hold a 16.8% net margin with revenue growing 5.6% a year?
03What growth does a 17.6× forward multiple on C already assume?
04Which of the model's assumptions is doing the work behind its 7.8% gap to the current C price?
05Which risks would invalidate the investment thesis for C?
06How does C's valuation compare with its growth, quality, and closest alternatives?