Rankings Financial data & insurance broking Citigroup
Citigroup
90
15070100
A view of the same findings, not a new score. How it works
In the 70+ zone: a score above 70 with more than 20% upside to the median analyst target.
Biggest deductions
- Multiples vs own history−7
- Return level−4
- Consent orders and regulation−3
Strengths
- Raised guidance+2
- Excess capital+1
How the score is built
From 100 to 90, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 2 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 123.10 USD
- Median analyst target
- 154.00 USD
- Upside to median
- +25.1%
- Analysts
- 23
- Target range
- 127.00 – 170.00 USD
- 52-week change
- +22%
- P/E (trailing)
- 12.1
- Forward P/E
- 10.0
- PEG
- 0.41
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 2 findings−6 of −30
- −4Return levelTTM ROE of only 8.5% and 4.6-10.9% in 2021-2025; Q2 ROTCE of 13.0% is seasonal, the full-year target is 10-11% (slightly above according to the CFO), and the 2027-28 target is 11-13% ROTCE, still below JPM, BAC and WFC and around the cost of capital.
- −2Costs and efficiencyEfficiency ratio about 60% for the year (57% in Q2) and expenses +5% to USD 14.2bn; about USD 500m of investments (including severance) is pulled forward into the second half, so the cost base remains heavy.
Price
Today's multiples against the company's own history and its peers. · 2 findings−8 of −35
- −7Multiples vs own historyP/B 1.13 (P/TBV 1.28) versus 0.43-0.98 in 2021-2025, the highest in the whole period; trailing P/E 14.1 versus 5.8-16.0. The share price is +34% in a year and 2.7 times the level at the end of 2023 (47.5 → 129.6), while EPS has risen 128% from a low starting point. The re-rating has been priced in ahead of time.
- −1PeersTrailing P/E of 14.1 is higher than Bank of America (12.6) and Wells Fargo (12.1), even though ROTCE is lower (13% versus 17-18%); the P/TBV discount (1.28 versus 1.81-1.83) only corresponds to the lower return.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 4 findings−7 of −35
- −3Consent orders and regulationThe consent orders from the Fed and OCC from 2020 on risk management and data have still not been lifted; the 10-Q describes the transformation as multi-year and 'not linear', and lifting depends on the authorities (fines of USD 136m in 2024 for lack of progress).
- −2Banamex and MexicoCiti still owns approx. 51% of Banamex; the deconsolidation in early 2027 triggers an accounting loss of approx. 9bn USD (currency translation), and the IPO depends on the market and Mexican politics.
- −1Macro and capital marketsBank stocks have had their worst month against the S&P 500 since 1990, and the KBW bank index is more than 13% below the August peak; Markets has historically fallen approx. 20% from the first to the second half, and M&A value fell from 1.8 to 1.23 trillion USD from Q2 to Q3.
- −1
Plus
Only documented strengths. · 2 findings+3 of +15
- +2Raised guidanceCFO Gonzalo Luchetti expects in September 2026 an ROTCE slightly above the top of the 10-11% range and an efficiency ratio 'slightly better' than approx. 60%; credit card delinquencies and losses have fallen year on year, and over 85% of the portfolio is prime.
- +1Excess capitalCET1 12.8%, 120 bp above the requirement of 11.6%, after the sale of a Banamex stake; a buyback programme of 30bn USD and a planned dividend increase of 12%.
Caveats
What the score does not capture, or where the data is weak.
Q3 report 13 Oct. 2026; the score is from before the report (data at 11/10-2026). Bank: EV, ROIC and FCF are not meaningful; valuation on P/TBV and P/E. Dividends plus buybacks (about USD 18bn TTM) exceed earnings and are financed by excess capital and the Banamex sale, so no credit for buybacks. Only 5 years of multiple history (2021-2025) retrieved
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