Citigroup Inc.
$132.80+3.2%YTD+13.3%1Y+43.3%
Mentions · last 7 days
1,930-14%
Price updated 1m ago·X counts updated 2d ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $C, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Banks - Diversified sits in its cycle right now — and what that implies for $C.
Banks - Diversified
No material change from last week — elevated NIM has padded bank earnings through 2025, but markets pricing Fed cuts through 2026 compress margins on the way down.
What this means for $C
Partial — Global banking giant offering consumer, corporate, and institutional financial services across 160+ countries; partial earnings exposure to banks - diversified demand dynamics through its product portfolio.
Top industry ETF
$KBESPDR S&P Bank ETF
+14.5%YTD
+19.2%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
14.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
0.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
12.8%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
-16.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
1.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
7.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
45.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
3.6Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Jul 14, 2026$3.15$2.74+15.0%
Q1 2026Apr 14, 2026$3.06$2.65+15.5%
Q4 2025Jan 21, 2026$1.19$1.80-33.9%
Q3 2025Nov 6, 2025$1.86$1.73+7.5%
Next earningsTue, Oct 13·consensus EPS $2.69
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$44.1B+7.0%49.3%17.0%$3.12$-23.3B
Q4 FY25$40.9B-0.1%43.2%9.3%$1.21$24.9B
Q3 FY25$43.8B+1.1%44.8%12.2%$1.89$-517.0M
Q2 FY25$42.4B-0.7%44.4%12.3%$1.98$-38.3B
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$95.5B$92.8B – $97.7B$11.16$10.59 – $11.5613
FY27$99.0B$95.3B – $102.9B$12.74$11.35 – $13.2914
FY28$102.8B$102.8B – $102.9B$14.70$13.08 – $15.679
FY29$106.2B$102.9B – $109.6B$16.46$15.82 – $17.164
FY30$110.7B$107.3B – $114.2B$18.95$18.20 – $19.744
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.75%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-0.8%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+13.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatMega float · 1.7B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.095-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.
Insider activity
Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.
SEC filings
Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.
Recent material filings
8-KOfficer or director changeMay 218-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
AI summary
8-KPress release / Reg FDApr 38-K — Item 7.01: Press release / Reg FD
8-KCharter amendmentFeb 128-K — Item 5.03: Charter amendment
8-KCharter amendmentFeb 38-K — Item 5.03: Charter amendment
+ 20 other (4 13Gs · 3 proxys · 2 earnings 8-Ks · 2 11-Ks) in window
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
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