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C

Citigroup Inc.

NYQ · Financial Services

$132.75

$1.03 (+0.78%)up 0.78%

25 August 2026 · delayed 15+ min

C+

Quality score79.5 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

Citigroup Inc. earns a C+ on excellent profit margins (>20%) and strong earnings growth (>20%) but MACD bearish (negative histogram). Good investment opportunity with solid fundamentals.

Model stance BUY Suggested position 8.0% · $800.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 8.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in dollars.

IQ-C-20260825engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

$92.96

Lowest analyst target

$129.00

Today's price

$132.75

52-week high

$147.96

Mean analyst target

$154.50

Highest analyst target

$176.00

C trades 72% of the way up its 52-week range, between $92.96 and $147.96. The mean analyst target of $154.50 is 16.4% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthExcellent profit margins (>20%); Strong earnings growth (>20%) 70.023%

Profit margin

21.83%

Net profit per unit of revenue

exceptionalWhat this means

Of every 100 units of revenue, this much survives as profit.

Margins this wide usually mean real pricing power or a moat.

Operating margin

36.23%

Before interest and tax

very highWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Typical of software and other businesses with little cost per extra sale.

Gross margin

0.00%

After the cost of goods only

lowWhat this means

What is left of revenue after only the direct cost of the product.

Costs of goods eat most of the revenue — normal in retail, distribution and hardware assembly.

Return on equity

8.53%

Profit per unit of shareholder capital

weakWhat this means

Profit generated per unit of shareholder capital.

Below about 10% the business is not doing much with the money invested in it.

Return on assets

0.66%

Profit per unit of assets

lowWhat this means

Profit generated per unit of everything the company owns.

Common in asset-heavy industries such as utilities, telecoms and airlines.

Revenue growth

15.50%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

61.00%

Year on year

very strongWhat this means

Change in earnings against the same period last year.

Check whether it is repeatable or a one-off — a single asset sale can flatter this badly.

Revenue

$85.22B

Trailing twelve months

Operating cash flow

$-18.30B

Cash from the business itself

Payout ratio

25.86%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumStrong 1-year return (42.7%) 85.022%

Return, 1 month

0.72%

Return, 3 months

6.41%

Return, 6 months

17.25%

Return, year to date

13.53%

Return, 1 year

42.70%

Return, 3 years

245.89%

Sharpe ratio

0.60

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

52.07%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.08%

Best day

13.23%

Worst day

-12.14%

ValuationAttractive P/E ratio (14.3); Attractive PEG ratio (0.71) 100.018%

P/E ratio

14.29

Price against trailing earnings

moderateWhat this means

You pay 14.29 for every 1 unit of annual earnings.

Roughly the long-run market average band.

Forward P/E

10.30

Price against forecast earnings

lowWhat this means

Price against next year's *forecast* earnings.

The market expects little growth, or doubts the forecast.

PEG ratio

0.71

P/E adjusted for growth

cheap for the growthWhat this means

P/E divided by the growth rate — it asks whether the price is justified by the growth.

Under 1 is the classic Peter Lynch marker for growth you are not paying full price for.

Price to book

1.16

Price against balance-sheet equity

normalWhat this means

Price against the accounting value of the company's net assets.

A typical range for an established company.

Price to sales

2.73

Price against revenue

moderateWhat this means

Price against revenue — usable when a company has no profit yet.

A common range for a profitable, growing business.

Enterprise value

$28.84B

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

1,677,436,783

Shares the profit is split across

Dividend yield

2.03%

Annual dividend against price

meaningfulWhat this means

Annual dividend as a percentage of the share price.

A substantial part of the total return arrives as income.

TechnicalRSI in healthy range (30-70); MACD bearish (negative histogram) 70.015%

RSI (14)

46.5

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

-0.46

Momentum against its own trend

MACD histogram

-0.48

Positive is bullish

ADX

16.4

Trend strength; above 25 is a real trend

no clear trendWhat this means

Trend strength, regardless of direction.

Below about 20 the price is ranging rather than trending.

20-day average

$134.41

50-day average

$136.35

200-day average

$120.79

Price vs 50-day

-2.64%

Price vs 200-day

9.90%

Bollinger upper

$141.05

Bollinger lower

$127.78

Average true range

3.00

Typical daily trading range

Stochastic %K

27.9

RiskModerate beta (market-like risk) 60.012%

Volatility, annualised

29.31%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

1.10

Moves against the wider market

market-likeWhat this means

How much the price moves relative to the wider market.

Moves roughly in step with the index.

Maximum drawdown

-43.31%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

High

The engine's own banding

Analyst viewAnalyst consensus: Buy; Strong analyst coverage (20 analysts) 90.010%

Consensus

Buy

What covering analysts rate it

Analysts covering

20

Mean price target

$154.50

Highest target

$176.00

Lowest target

$129.00

Implied upside

16.38%

Target against today's price

meaningfulWhat this means

How far the mean analyst target sits above today's price.

Analysts see real room above today's price.

Price against the S&P 500

180 trading days to 2026-08-25

C is 23.8% up over the window, against 11.7% up for the S&P 500 — ahead by 12.1 points.
C +23.8%S&P 500 +11.7%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-05, so they can be compared directly.
DateCloseC rebasedS&P 500 rebased
2025-12-05$107.26100.0100.0
2025-12-29$116.37108.5100.5
2026-01-21$112.17104.6100.1
2026-02-11$116.25108.4101.0
2026-03-05$107.89100.699.4
2026-03-26$111.31103.894.3
2026-04-17$130.89122.0103.7
2026-05-08$124.91116.5107.7
2026-06-01$128.44119.7110.6
2026-06-23$144.24134.5107.2
2026-07-15$134.21125.1110.2
2026-08-05$137.64128.3112.4

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health70.023%16.1
Growth & momentum85.022%18.7
Valuation100.018%18.0
Technical70.015%10.5
Risk60.012%7.2
Analyst view90.010%9.0
ESG50.00%0.0
Quality score100%79.5

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

C+

79.5 / 100

Identical to the IQInvest grade.

All 61 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
Shares outstandingValuation1,677,436,783Yahoo Finance
Price to salesValuation2.73Yahoo Finance
Price to bookValuation1.16Yahoo Finance
PEG ratioValuation0.71Yahoo Finance
P/E ratioValuation14.29Yahoo Finance
Forward P/EValuation10.30Yahoo Finance
Enterprise valueValuation$28.84BYahoo Finance
Dividend yieldValuation2.03%Yahoo Finance
Stochastic %KTechnical27.9Yahoo Finance
RSI (14)Technical46.5Yahoo Finance
Price vs 50-dayTechnical-2.64%Yahoo Finance
Price vs 200-dayTechnical9.90%Yahoo Finance
MACD histogramTechnical-0.48Yahoo Finance
MACDTechnical-0.46Yahoo Finance
Bollinger upperTechnical$141.05Yahoo Finance
Bollinger lowerTechnical$127.78Yahoo Finance
Average true rangeTechnical3.00Yahoo Finance
ADXTechnical16.4Yahoo Finance
50-day averageTechnical$136.35Yahoo Finance
200-day averageTechnical$120.79Yahoo Finance
20-day averageTechnical$134.41Yahoo Finance
Volatility, annualisedRisk29.31%Yahoo Finance
Risk categoryRiskHighYahoo Finance
Maximum drawdownRisk-43.31%Yahoo Finance
BetaRisk1.10Yahoo Finance
VolumeMarket data2,675,490Yahoo Finance
Previous closeMarket data$131.72Yahoo Finance
OpenMarket data$132.77Yahoo Finance
EmployeesMarket data219,000Yahoo Finance
Day lowMarket data$131.50Yahoo Finance
Day highMarket data$132.75Yahoo Finance
Average volumeMarket data12,016,923Yahoo Finance
52-week lowMarket data$92.96Yahoo Finance
52-week highMarket data$147.96Yahoo Finance
Worst dayGrowth & momentum-12.14%Yahoo Finance
Win rateGrowth & momentum52.07%Yahoo Finance
Sharpe ratioGrowth & momentum0.60Yahoo Finance
Return, year to dateGrowth & momentum13.53%Yahoo Finance
Return, 6 monthsGrowth & momentum17.25%Yahoo Finance
Return, 3 yearsGrowth & momentum245.89%Yahoo Finance
Return, 3 monthsGrowth & momentum6.41%Yahoo Finance
Return, 1 yearGrowth & momentum42.70%Yahoo Finance
Return, 1 monthGrowth & momentum0.72%Yahoo Finance
Best dayGrowth & momentum13.23%Yahoo Finance
Average daily returnGrowth & momentum0.08%Yahoo Finance
Revenue growthFinancial health15.50%Yahoo Finance
RevenueFinancial health$85.22BYahoo Finance
Return on equityFinancial health8.53%Yahoo Finance
Return on assetsFinancial health0.66%Yahoo Finance
Profit marginFinancial health21.83%Yahoo Finance
Payout ratioFinancial health25.86%Yahoo Finance
Operating marginFinancial health36.23%Yahoo Finance
Operating cash flowFinancial health$-18.30BYahoo Finance
Gross marginFinancial health0.00%Yahoo Finance
Earnings growthFinancial health61.00%Yahoo Finance
Mean price targetAnalyst view$154.50Yahoo Finance
Lowest targetAnalyst view$129.00Yahoo Finance
Implied upsideAnalyst view16.38%Yahoo Finance
Highest targetAnalyst view$176.00Yahoo Finance
ConsensusAnalyst viewBuyYahoo Finance
Analysts coveringAnalyst view20Yahoo Finance
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