Is Citigroup Stock a Good Investment?

Citigroup Investment Advice

To provide specific investment advice or recommendations on Citigroup stock, we recommend investors consider the following general factors when evaluating Citigroup. This will help you to make an informed decision on whether to include Citigroup in one of your diversified portfolios:

Examine Citigroup's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
Research Citigroup's leadership team and their track record. Good management can help Citigroup navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
Consider the overall health of the Diversified Banks space and any emerging trends that could impact Citigroup's business and its evolving consumer preferences.
Compare Citigroup's performance and market position to its competitors. Analyze how Citigroup is positioned in terms of product offerings, innovation, and market share.
Check if Citigroup pays a dividend and its dividend yield and payout ratio.
Review what financial analysts are saying about Citigroup's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.

It's important to note that investing in Citigroup stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Citigroup is a good investment.

Sell

Buy

Cautious Hold

Macroaxis provides unbiased investment recommendation on Citigroup that should be used to complement current analysts and expert consensus on Citigroup. Our trade advice engine determines the company's potential to grow exclusively from the perspective of an investors' current risk tolerance and investing horizon. To make sure Citigroup is not overpriced, please confirm all Citigroup fundamentals, including its price to earning, gross profit, cash per share, as well as the relationship between the price to sales and net income . Given that Citigroup has a number of shares shorted of 33.55 M, we suggest you to validate Citigroup market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevailing risk tolerance and investing horizon.

Market Performance	OK	Details
Volatility	Very steady	Details
Hype Condition	Low key	Details
Current Valuation	Overvalued	Details
Odds Of Distress	Low	Details
Economic Sensitivity	Actively responds to the market	Details
Investor Sentiment	Alarmed	Details
Analyst Consensus	Strong Buy	Details
Financial Strenth (F Score)	Frail	Details
Financial Leverage	Not Rated	Details
Reporting Quality (M-Score)	Unlikely Manipulator	Details

Examine Citigroup Stock

Researching Citigroup's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 74.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.69. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citigroup has Price/Earnings To Growth (PEG) ratio of 0.77. The entity last dividend was issued on the 4th of November 2024. The firm had 1:10 split on the 9th of May 2011.

To determine if Citigroup is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Citigroup's research are outlined below:

	Citigroup has accumulated about 990.92 B in cash with (73.42 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 511.61.
	Citigroup has a frail financial position based on the latest SEC disclosures
	Roughly 74.0% of the company shares are held by institutions such as insurance companies
	On 22nd of November 2024 Citigroup paid $ 0.56 per share dividend to its current shareholders
	Latest headline from thelincolnianonline.com: Best Buy Co., Inc. Declares 0.94 Quarterly Dividend

Citigroup Quarterly Liabilities And Stockholders Equity

2.43 Trillion

Citigroup uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Citigroup. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citigroup's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.

	12th of April 2024 Upcoming Quarterly Report	View
	12th of July 2024 Next Financial Report	View
	31st of March 2024 Next Fiscal Quarter End	View
	10th of January 2025 Next Fiscal Year End	View
	31st of December 2023 Last Quarter Report	View
	31st of December 2023 Last Financial Announcement	View

Earnings surprises can significantly impact Citigroup's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Citigroup's investors have experienced.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2015-01-15	2014-12-31	0.09	0.06	-0.03	33
2012-10-15	2012-09-30	0.96	1.06	0.1	10
2012-07-16	2012-06-30	0.89	1.0	0.11	12
2012-04-16	2012-03-31	1	1.11	0.11	11
2012-01-17	2011-12-31	0.49	0.38	-0.11	22
2013-04-15	2013-03-31	1.17	1.29	0.12	10
2014-01-16	2013-12-31	0.95	0.82	-0.13	13
2011-07-15	2011-06-30	0.96	1.09	0.13	13

Know Citigroup's Top Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Citigroup is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citigroup backward and forwards among themselves. Citigroup's institutional investor refers to the entity that pools money to purchase Citigroup's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.

		Shares
Massachusetts Financial Services Company	2024-09-30	21 M
Norges Bank	2024-06-30	20.9 M
Bank Of America Corp	2024-06-30	19.1 M
Northern Trust Corp	2024-09-30	17.8 M
Legal & General Group Plc	2024-06-30	17.4 M
Greenhaven Associates Inc	2024-09-30	16.9 M
Harris Associates L.p.	2024-06-30	15.9 M
Ameriprise Financial Inc	2024-06-30	15.9 M
Hotchkis & Wiley Capital Management Llc	2024-09-30	15.7 M
Vanguard Group Inc	2024-09-30	167.6 M
Blackrock Inc	2024-06-30	159.6 M

Note, although Citigroup's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Citigroup's market capitalization trends

The company currently falls under 'Mega-Cap' category with a current capitalization of 134.03 B.

Market Cap

128.62 Billion

Citigroup's profitablity analysis

		Last Reported	Projected for Next Year
	Return On Equity	0.04	0.04

The company has Profit Margin of 0.12 %, which indicates that it operates at a low-profit margin and even a small decline in sales will erase profits resulting in a net loss, or a negative margin. This is way below average. Similarly, it shows Operating Margin of 0.25 %, which implies that for every $100 of sales, it generated an operating income of $0.25.

Determining Citigroup's profitability involves analyzing its financial statements and using various financial metrics to determine if Citigroup is a good buy. For example, gross profit margin measures Citigroup's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Citigroup's profitability and make more informed investment decisions.

Please note, the presentation of Citigroup's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Citigroup's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Citigroup's management manipulating its earnings.

Evaluate Citigroup's management efficiency

As of November 30, 2024, Return On Tangible Assets is expected to decline to 0. In addition to that, Return On Capital Employed is expected to decline to 0. At present, Citigroup's Other Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Current Assets is expected to grow to about 273.6 B, whereas Total Assets are forecasted to decline to about 1.4 T. Citigroup's management efficiency ratios could be used to measure how well Citigroup manages its routine affairs as well as how well it operates its assets and liabilities.

	Last Reported	Projected for Next Year
Book Value Per Share	106.86	84.34
Tangible Book Value Per Share	94.16	62.57
Enterprise Value Over EBITDA	4.07	3.87
Price Book Value Ratio	0.48	0.46
Enterprise Value Multiple	4.07	3.87
Price Fair Value	0.48	0.46
Enterprise Value	140.4 B	147.4 B

Citigroup showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.

Dividend Yield

0.0311

Forward Dividend Yield

0.0311

Forward Dividend Rate

2.18

Beta

1.426

Basic technical analysis of Citigroup Stock

As of the 30th of November, Citigroup shows the Downside Deviation of 1.6, risk adjusted performance of 0.1014, and Mean Deviation of 1.42. Citigroup technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Citigroup's insider trading activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citigroup insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citigroup's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citigroup insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

		John Dugan over three months ago Acquisition by John Dugan of 1009 shares of Citigroup at 61.884 subject to Rule 16b-3
		Ernesto Zedillo over a year ago Acquisition by Ernesto Zedillo of 2254 shares of Citigroup subject to Rule 16b-3

Citigroup's Outstanding Corporate Bonds

Citigroup issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citigroup uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citigroup bonds can be classified according to their maturity, which is the date when Citigroup has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

	CITIGROUP INC 6675 Corp Bond US172967HA25	View
	CITIGROUP INC 55 Corp Bond US172967HB08	View
	CITIGROUP INC 5875 Corp Bond US172967FX46	View
	CITIGROUP INC 33 Corp Bond US172967JP75	View
	CITIGROUP INC 44 Corp Bond US172967JT97	View
	CITIGROUP INC 465 Corp Bond US172967JU60	View
	CITIGROUP INC 3875 Corp Bond US172967JL61	View
	C 595 Corp Bond US172967JM45	View

View All Citigroup Corporate Bonds

Understand Citigroup's technical and predictive indicators

Using predictive indicators to make investment decisions involves analyzing Citigroup's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.

	Risk Adjusted Performance	0.1014
	Market Risk Adjusted Performance	0.1317
	Mean Deviation	1.42
	Semi Deviation	1.47
	Downside Deviation	1.6
	Coefficient Of Variation	801.85
	Standard Deviation	1.97
	Variance	3.87
	Information Ratio	0.0547
	Jensen Alpha	(0.01)
	Total Risk Alpha	(0.09)
	Sortino Ratio	0.0671
	Treynor Ratio	0.1217
	Maximum Drawdown	10.33
	Value At Risk	(1.97)
	Potential Upside	3.56
	Downside Variance	2.57
	Semi Variance	2.16
	Expected Short fall	(1.62)
	Skewness	1.11
	Kurtosis	4.32

	Risk Adjusted Performance	0.1014
	Market Risk Adjusted Performance	0.1317
	Mean Deviation	1.42
	Semi Deviation	1.47
	Downside Deviation	1.6
	Coefficient Of Variation	801.85
	Standard Deviation	1.97
	Variance	3.87
	Information Ratio	0.0547
	Jensen Alpha	(0.01)
	Total Risk Alpha	(0.09)
	Sortino Ratio	0.0671
	Treynor Ratio	0.1217
	Maximum Drawdown	10.33
	Value At Risk	(1.97)
	Potential Upside	3.56
	Downside Variance	2.57
	Semi Variance	2.16
	Expected Short fall	(1.62)
	Skewness	1.11
	Kurtosis	4.32

Consider Citigroup's intraday indicators

Citigroup intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Citigroup stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

	Accumulation Distribution	105326.0
	Daily Balance Of Power	0.8161
	Rate Of Daily Change	1.01
	Day Median Price	70.66
	Day Typical Price	70.73
	Price Action Indicator	0.57
	Period Momentum Indicator	0.71
	Relative Strength Index	68.9

Citigroup Corporate Filings

FWP	29th of November 2024 A written communication used by offering participants to offer securities to the public or to solicit securities transactions.	View Verify
	27th of November 2024 Prospectus used primarily for registering securities for public sale.	View Verify
	22nd of November 2024 Other Reports	View Verify

Citigroup time-series forecasting models is one of many Citigroup's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Citigroup's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Citigroup Stock media impact

Far too much social signal, news, headlines, and media speculation about Citigroup that are available to investors today. That information is available publicly through Citigroup media outlets and privately through word of mouth or via Citigroup internal channels. However, regardless of the origin, that massive amount of Citigroup data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.

A primary focus of Citigroup news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Citigroup relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Citigroup's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Citigroup alpha.

Citigroup Sentiment by Major News Outlets

Investor sentiment, mood or attitude towards Citigroup can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.

Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.

Citigroup Historical Investor Sentiment

Investor biases related to Citigroup's public news can be used to forecast risks associated with an investment in Citigroup. The trend in average sentiment can be used to explain how an investor holding Citigroup can time the market purely based on public headlines and social activities around Citigroup. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

Citigroup's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Citigroup and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Citigroup news discussions. The higher the estimate score, the more favorable the investor's outlook on Citigroup.