Citigroup Inc. (C): a potential bargain?

Buy — a real multi-year turnaround (rising profits, shrinking share count via buybacks) is underway, and the recent dip looks like normal noise, not new bad news.

🔥 HOT Fundamentals67/100

Down 77% from its all-time high of $557.00 — now $129.48

Why C dropped

The stock never recovered from the 2008 financial crisis and years of stagnation, but that's ancient history — recently Citigroup has been executing a genuine turnaround under CEO Jane Fraser (divesting weak international consumer units, cutting costs) and the modest 6.7% dip from its 30-day high appears to be routine pre-earnings jitters, not a specific negative event.

Fwd P/E 10.0Op margin 36.2%Rev growth 15.5%Debt/equity —Analyst upside 19.6%

How this scored 67/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 21.8%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 18/25

Operating margin 36.2% 9/9

Net profit margin 21.8% 8/8

Return on equity 8.5% 1/8

Growth Is it getting bigger, or dying? 22/25

Revenue growth 15.5% 6/9

Earnings growth 61.0% 8/8

Expected profit change 39.0% 8/8

Value Is it cheap right now? 19/25

Forward P/E 10.0 9/10

PEG ratio 0.6 8/8

Analyst target upside 19.6% 2/7

Balance sheet Will it survive? 8/25

Debt / equity unknown 3/10

Current ratio unknown 2/8

Free cash flow unknown 2/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-10-01. Research only — not financial advice.