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CC

Citigroup Inc.

$C·$236B·Banks - Diversified·Financial Services
$137.72-0.3%YTD+16.7%1Y+41.9%
Price updated 7m ago·X counts updated 18h ago
CC
$CCitigroup Inc.
$137.72-0.30%258 posts0.9×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $C on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

258X posts · last 7 days
Aug 22Sep 6
Chatter Meter
0.9×
QuietNormal · 1×Loud

How loud $C's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 62% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data10 posts analyzed · as of 2026-09-06

Bullish, with Citigroup part of a 21-bank consortium (including GS, JPM, BAC and WFC) forming a joint stablecoin company targeting H1 2027 launch, $1.7M in January $145 LEAP call buying, and a strong XLF weekly setup into September FOMC. One holder is trimming from a legacy 15% position to below 5% despite liking the name.

Read what X is saying about $C

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $C — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-09-07

The move is getting stronger, with heavier trading behind it.

The turnaround money-center bank finally being priced for it — 21-bank stablecoin consortium adds a new leg.

Citigroup is the money-center bank that has spent Jane Fraser's tenure restructuring — divesting non-core geographies, rebuilding services and wealth, and squeezing capital returns. The market is finally paying for it: shares up 42% over twelve months and at the 81st percentile of the 52-week range.

  • The core is coming through — Q1 revenue up 7% YoY to $44.1B with an 18% operating margin and consensus FY27 EPS of $12.80 vs $11.20 this year — a 14% earnings growth print at a P/E of just 14 is exactly the setup value investors have been waiting for.
  • The stablecoin consortium news matters — Citi joining a 21-bank group with JPM, GS, BAC, WFC and others targeting an H1 2027 launch turns Citi from a stablecoin bystander into a founding infrastructure participant; not a huge revenue line initially but strategic optionality.
  • The China brokerage license news adds another quiet catalyst — Reuters reporting Citi eyes the license as soon as this month; expanding into Chinese onshore markets is a franchise-scale opportunity if it lands.

An October 13 print with wealth revenue reaccelerating and buyback capacity confirmed is what extends the move. A credit-quality wobble in cards or a regulatory setback on the stablecoin consortium is what breaks it.

Agrees with X sentimentX is bullish for defensible reasons — the 21-bank stablecoin consortium, LEAP call activity, and the XLF/FOMC setup are real signals; the mechanics support the framing, and a holder trimming from 15% to 5% is a portfolio-management move, not a conviction change.

What to watch: October 13 Q3 earnings — wealth revenue trend, capital return capacity and any China brokerage license update; a wealth reacceleration extends the move, a credit deterioration in cards is what breaks it.

On the calendar: 2026-10-13 — Q3 earnings

stablecoin consortiumchina brokerage license pendingturnaround completingcheap multiple

Read the AI verdict on $C

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Global banking giant offering consumer, corporate, and institutional financial services across 160+ countries.

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 · Financial Services

Large diversified banks benefit from higher-for-longer net-interest margins and capital-markets recovery (IPO/M&A pipeline); AI-powered fraud detection, credit risk modelling, and wealth-management personalisation are sector-wide investments. Capital return (buybacks/dividends) is elevated.

What this means for $C

Partial — Citigroup; Bac reorganisation ongoing (Jane Fraser), capital markets and services growing, valuation discount to peers.

Top industry ETF

$KBESPDR S&P Bank ETF
+17.4%YTD
+12.5%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$2.72+15.8%
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 $2.68

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

5-year forecast · up to 14 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$95.9B$92.7B – $97.2B$11.20$10.55 – $11.4513
FY27$99.5B$95.2B – $102.8B$12.80$12.50 – $13.1914
FY28$103.5B$100.2B – $106.0B$14.78$13.14 – $15.629
FY29$108.5B$105.4B – $111.0B$16.00$15.40 – $16.474
FY30$113.5B$110.2B – $116.0B$18.30$17.61 – $18.844

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.0.6×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.81%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.+1.8%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.+11.8%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 today0.3% 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.β1.105-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.

Recent transactions

SellMay 8Dugan John CunninghamDirector2.1K sh$265KSellApr 15Nicole GilesCHIEF ACCOUNTING OFFICER12.7K sh$1.7MSellApr 15Edward SkylerHd of Ent Svc & Public Affairs25.0K sh$3.3M
+ 22 other (20 awards · 2 inkinds) in window

See when $C insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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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

Citigroup Inc. (C) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on an advisory say-on-pay resolution, ratification of the independent auditor, an equity incentive plan. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

8-KPress release / Reg FDApr 38-K — Item 7.01: Press release / Reg FD
+ 16 other (4 13Gs · 3 proxys · 2 10-Qs · 2 13Fs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Allen Mooney & Barnes Investment Advisors LLC Has $11.67 Million Stake in Citigroup Inc. $Cdefenseworld.net·3d agoCiti eyes China brokerage unit licence as soon as this month, sources sayreuters.com·4d agoCan Citigroup Sustain Its Aggressive Capital Return Strategy?zacks.com·4d agoFed Rate Decision: Goldman Versus Citi on Whether Your Savings Account Gets a Boost247wallst.com·5d agoCiti's Services Business Pioneers Live Transactions on Swift's Ledger, Collaborating with FAB and OCBC to Redefine Always-On Global Paymentsbusinesswire.com·5d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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