Citigroup Inc. (C)

FairStock Score: 50/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Citigroup first as a bank, not as an industrial company. In fiscal 2025, the year ended 2025-12-31, it reported revenue of $85.2B, net income of $14.3B and diluted EPS of $6.99. That compared with $80.7B, $12.7B and $5.94 in fiscal 2024, and $78.1B, $9.2B and $4.04 in fiscal 2023. So the recent direction is positive: fiscal 2025 revenue grew about 5.6%, net income about 12.6% and EPS about 17.7% versus fiscal 2024. Still, FairStock's computed Lynch category is SLOW GROWER because five-year profit growth was 5.3% a year and revenue growth 2.5%. At the 2026-10-26 close, FairStock calculations put the P/E at 11.80 and P/B at 1.05, with ROE at 9.35%, PEG at 0.27, Piotroski at 2/9, dividend yield at 2.21%, beta at 1.11 and FairStock Score at 50/100. For a bank, I care about returns on equity, price-to-book, earnings consistency, leverage and credit risk. The data does not include CET1, net interest margin or credit-cost metrics, so I cannot fully judge balance-sheet resilience. The price looks moderate around book value and 11.8 times FairStock earnings, but a sub-10% ROE and a weak Piotroski score mean this is not obviously a high-quality compounder. I would want evidence that returns improve and credit remains benign before calling it a bargain.

In plain English: Citigroup is a large global bank serving consumers, companies, governments and institutions. The business looks reasonably profitable: filed fiscal 2025 revenue and net income rose from fiscal 2024, and net income also rose from fiscal 2023. At the recent price, the stock looks roughly fair against the company's earnings and accounting value, not clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · fiscal Q3 2024 10-Q (period ended 2024-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer