Citigroup (C)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
Fundamental grade
Five factors scored 1 to 9 from C's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Citigroup's 10-K filings. The deep dive has 15+ years, quarters and every line.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B |
| Net income | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| Free cash flow | $43.0B | $19.4B | -$80.0B | -$26.2B | -$74.2B |
| EPS (diluted) | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 |
| Operating margin | — | — | — | — | — |
Where the revenue comes from
Revenue by segments, fiscal 2025.
Superinvestors who own C
From each investor's latest 13F filing (what a 13F shows). 17 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Bill Nygren Harris Associates LP |
Trimmed | $1.2B | 1.6% | Q2 2026 |
| Cliff Asness AQR Capital Management |
Added | $853M | 0.30% | Q2 2026 |
| Richard Pzena Pzena Investment Management |
Trimmed | $777M | 2.3% | Q2 2026 |
| Steven Romick First Pacific Advisors |
Trimmed | $422M | 5.3% | Q2 2026 |
| PRIMECAP Management PRIMECAP Management Co |
Trimmed | $327M | 0.19% | Q2 2026 |
| Charles Brandes Brandes Investment Partners, LP |
Trimmed | $234M | 1.6% | Q2 2026 |
| Donald Smith Donald Smith & Co. |
Trimmed | $131M | 2.3% | Q2 2026 |
| Thomas Kahn Kahn Brothers Group |
Trimmed | $117M | 18.5% | Q2 2026 |
| Ric Dillon Diamond Hill Capital Management |
Trimmed | $53M | 0.42% | Q2 2026 |
| Hersh Cohen ClearBridge Investments |
Trimmed | $44M | 0.04% | Q2 2026 |
| Eric Marshall Hodges Capital Management |
Trimmed | $9M | 0.63% | Q2 2026 |
| Joel Greenblatt Gotham Asset Management |
Trimmed | $8M | 0.02% | Q2 2026 |
Insider buying
Open-market purchases by Citigroup's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Mar 19, 2026 | Maria Elvira Salazar |
0 | $109.85 | — |
| Mar 19, 2026 | Maria Elvira Salazar |
0 | $109.85 | — |
| Mar 19, 2026 | Maria Elvira Salazar |
0 | $109.85 | — |
| Mar 19, 2026 | Maria Elvira Salazar |
0 | $109.85 | — |
| Feb 17, 2026 | Ro Khanna |
0 | $113.64 | — |
| Feb 17, 2026 | Ro Khanna |
0 | $113.64 | — |
| Feb 11, 2026 | Jonathan L. Jackson |
0 | $117.50 | — |
| Feb 11, 2026 | Jonathan L. Jackson |
0 | $117.50 | — |
| Feb 5, 2026 | Jonathan L. Jackson |
0 | $115.75 | — |
| Feb 5, 2026 | Jonathan L. Jackson |
0 | $115.75 | — |
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In the full deep dive
Questions
Are Citigroup insiders buying the stock?
10 open-market insider purchases of C in the last 12 months, from SEC Form 4 filings.
Which superinvestors own Citigroup?
17 of the superinvestors Investingly tracks hold C in their latest 13F, including Bill Nygren, Cliff Asness, Richard Pzena.
Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.