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C

Citigroup Inc.

US$129.48-1.01% (-US$1.32)
Day's range
US$129.45 – US$131.20
Day's volume
US$1.3bn
52-week range
US$91.98 – US$144.93

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C in numbers

Market cap
US$226.5bn
P/E
15.83
P/B
1.07
Dividend yield (12m)
1.91%

The 12-month dividend yield of C is 1.91%, below its 5-year average of 3.40%.

C price history

01/10/202530/09/2026
Compare with

C risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return+30.61%+259.41%+120.47%
Volatility (annualised)22.13%24.29%28.38%
Largest drawdown-7.02%-15.44%-38.66%
Positive months6/1221/3630/60

How much did investing in C return?

US$1,000.00 invested on 01/10/2021 would be worth US$2,204.67 today.

Value today in C
US$2,204.67
Return over the period
+120.47%
Return per year
+17.14%
In the S&P 500
US$1,661.44

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

C fundamentals

Valuation

  • P/E
    15.83
  • P/B
    1.07
  • EV/EBITDA
    —
  • EV/EBIT
    —
  • EV/Revenue
    7.21
  • P/EBIT
    —
  • P/S
    2.66
  • P/OCF
    -3.35
  • P/FCF
    -3.05
  • Earnings yield
    —
  • PEG ratio
    —
  • Earnings per share
    US$8.18
  • Book value per share
    US$121.36

Debt

  • Net debt
    US$387.6bn
  • Net debt/EBITDA
    —
  • Net debt/Equity
    1.83
  • Debt/Equity
    1.83
  • Current ratio
    —
  • Quick ratio
    —
  • Cash ratio
    —

Efficiency

  • Gross margin
    —
  • EBITDA margin
    —
  • Operating margin
    —
  • Net margin
    16.79%
  • Asset turnover
    0.03

Profitability

  • ROE
    6.74%
  • ROA
    0.54%
  • ROIC
    —
  • Payout
    30.20%

Growth

  • Revenue CAGR (5 years)
    2.45%
  • Earnings CAGR (5 years)
    5.31%
  • Revenue growth (year)
    —
  • Earnings growth (year)
    —
  • Revenue growth (quarter)
    —
  • Earnings growth (quarter)
    —

What is C's fair price?

Two classic value formulas, with today's numbers. The current price is US$129.48.

Graham's fair price
US$149.43
15.41% above the price

√(22.50 × US$8.18 × US$121.36)

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price
US$35.53
72.56% below the price

US$2.13 (5-year average) ÷ 6%

Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.

Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.

C indicators by year

Multiples at each year's closing price; margins and returns from that year's accounts.

Indicator20252024202320222021202020192018
P/E14.2710.4610.655.925.4511.658.676.78
P/B0.960.640.480.440.590.650.870.62
Dividend yield1.99%3.10%4.04%4.51%3.38%3.31%2.40%2.96%
Earnings per shareUS$8.18US$6.73US$4.83US$7.64US$11.08US$5.29US$9.21US$7.67
Book value per shareUS$121.36US$110.69US$107.49US$103.51US$101.96US$95.55US$91.74US$83.44
ROE6.74%6.08%4.49%7.38%10.87%5.54%10.04%9.20%
Gross margin—————76.83%88.83%89.61%
Net margin16.79%15.71%11.82%19.70%30.54%14.63%25.84%24.77%

C financial statements

Line202520242023202220212020
Net revenueUS$85.2bnUS$80.7bnUS$78.1bnUS$75.3bnUS$71.9bnUS$75.5bn
Cost of sales—————-US$17.5bn
Gross profit—————US$58bn
EBITDA——————
EBIT——————
Net finance result——————
Profit before taxUS$19.8bnUS$17bnUS$12.9bnUS$18.8bnUS$27.5bnUS$13.6bn
Income tax-US$5.4bn-US$4.2bn-US$3.5bn-US$3.6bn-US$5.5bn-US$2.5bn
Net incomeUS$14.3bnUS$12.7bnUS$9.2bnUS$14.8bnUS$22bnUS$11bn

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

Does C pay dividends?

Dividend yield per year

  • 1.29%2017
  • 2.96%2018
  • 2.40%2019
  • 3.31%2020
  • 3.38%2021
  • 4.51%2022
  • 4.04%2023
  • 3.10%2024
  • 1.99%2025
  • 1.44%2026
Payment history
TypeLast day to ownPaymentPer share
Dividend31/07/202628/08/2026US$0.67
Dividend01/05/202622/05/2026US$0.60
Dividend30/01/202627/02/2026US$0.60
Dividend31/10/202526/11/2025US$0.60
Dividend01/08/202522/08/2025US$0.60
Dividend02/05/202523/05/2025US$0.56
Dividend31/01/202528/02/2025US$0.56
Dividend01/11/202422/11/2024US$0.56
Dividend02/08/202423/08/2024US$0.56
Dividend02/05/202424/05/2024US$0.53
Dividend01/02/202423/02/2024US$0.53
Dividend02/11/202322/11/2023US$0.53
See all 40 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Dividend03/08/202325/08/2023US$0.53
Dividend27/04/202326/05/2023US$0.51
Dividend02/02/202324/02/2023US$0.51
Dividend03/11/202223/11/2022US$0.51
Dividend28/07/202226/08/2022US$0.51
Dividend28/04/202227/05/2022US$0.51
Dividend03/02/202225/02/2022US$0.51
Dividend28/10/202124/11/2021US$0.51
Dividend29/07/202127/08/2021US$0.51
Dividend29/04/202128/05/2021US$0.51
Dividend28/01/202126/02/2021US$0.51
Dividend29/10/202025/11/2020US$0.51
Dividend30/07/202028/08/2020US$0.51
Dividend30/04/202022/05/2020US$0.51
Dividend30/01/202028/02/2020US$0.51
Dividend31/10/201922/11/2019US$0.51
Dividend01/08/201923/08/2019US$0.51
Dividend02/05/201924/05/2019US$0.45
Dividend31/01/201922/02/2019US$0.45
Dividend01/11/201821/11/2018US$0.45
Dividend02/08/201824/08/2018US$0.45
Dividend03/05/201825/05/2018US$0.32
Dividend01/02/201823/02/2018US$0.32
Dividend02/11/201722/11/2017US$0.32
Dividend02/08/201725/08/2017US$0.32
Dividend26/04/201726/05/2017US$0.16
Dividend01/02/201724/02/2017US$0.16
Dividend02/11/201623/11/2016US$0.16

About Citigroup

Sector
Finance, insurance and real estate

Questions about C

How much is C today?

C is at US$129.48 (-1.01% on the day), last traded on 30/09/2026.

How much did C pay in dividends in 2025?

C paid US$2.32 per share in 2025, a dividend yield of 1.99%.

What are the P/E and P/B of C?

C trades at a P/E of 15.83 and a P/B of 1.07.

How much did C return in 12 months?

C returned 30.61% in 12 months, with annualised volatility of 22.13% and a largest drawdown of -7.02%.