
A steady mega-cap risk-flagged situation trading at a discounted valuation. Frameworks sharply disagree on it.
Mkt Cap
$212.69B
P/E
—
PEG
0.70
P/B
1.11
Dividend
1.91%
ROE
7.6%
About the business
Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
Who would buy C?
Consensus 37/100 · Polarized · Investors strongly disagree — this is where Prism is most useful.
Endorses
· 3 frameworksP/B < 1.5 1.11× clears "< 1.50×".
Net Cash > 0 $135.44 clears "> $0.00".
Net Cash Positive $135.44 clears "> $0.00".
7 insiders sold $22.8M on a discretionary basis. Discretionary selling carries more signal than planned disposals, but insiders sell for many non-thesis reasons (taxes, diversification, life events) — do not over-read it. Over the 6M window, insiders are net buyers by 509,511 shares.
In Prism's context
Insider selling is worth flagging but insiders sell for many non-thesis reasons. Read alongside the framework verdict (Weak match).
| Insider | Role | Type | Date | Shares | Avg price | Value | Own |
|---|---|---|---|---|---|---|---|
| SKYLER EDWARD | Officer | Open-market sell | Apr 15, 2026 | 25,000 | $131.41 | $3.29M | Direct |
| GILES NICOLE M. | Officer | Open-market sell | Apr 15, 2026 | 12,732 | $131.80 | $1.68M | Direct |
| REINER GARY M | Director | Award / grant | Apr 1, 2026 | 405 | $110.99 | $45K | Direct |
| DAILEY GRACE E. | Director | Award / grant | Apr 1, 2026 | 6 | $126.33 | $758 | Direct |
| COLE TITILOPE | Director | Award / grant | Apr 1, 2026 | 17 | $113.00 | $2K | Direct |
| VON KOSKULL CASPER WILHELM | Director | Award / grant | Apr 1, 2026 | 35 | $112.03 | $4K | — |
| MOULDS JONATHAN PAUL | Director | Award / grant | Apr 1, 2026 | 260 | $111.06 | $29K | — |
| JAMES RENEE JO | Director | Award / grant | Apr 1, 2026 | 174 | $111.55 | $19K | — |
| TURLEY JAMES S | Director | Award / grant | Apr 1, 2026 | 218 | $111.01 | $24K | — |
| TAYLOR DIANA L | Director | Award / grant | Apr 1, 2026 | 330 | $111.23 | $37K | — |
| DUGAN JOHN CUNNINGHAM | Director | Award / grant | Apr 1, 2026 | 563 | $111.01 | $63K | Indirect |
| HENNES DUNCAN P | Director | Award / grant | Apr 1, 2026 | 218 | $111.01 | $24K | — |
| MASON MARK A.L. | Chief Financial Officer | Open-market sell | Feb 20, 2026 | 3,627 | $114.71 | $416K | Direct |
| CANTU ERNESTO TORRES | Officer | Open-market sell | Feb 13, 2026 | 67,318 | $111.11 | $7.48M | — |
| MCINTOSH BRENT | Officer | Stock Gift at price 0.00 per share. | Feb 12, 2026 | 4,798 | $0.00 | $0 | Direct |
| LUCHETTI GONZALO | Officer | Open-market sell | Feb 12, 2026 | 19,974 | $115.03 | $2.30M | Direct |
| HABNER PAMELA | Officer | Open-market sell | Feb 12, 2026 | 29,754 | $117.26 | $3.49M | Direct |
| SIEG ANDREW M | Officer | Award / grant | Feb 11, 2026 | 32,699 | $0.00 | $0 | Direct |
| LIVINGSTONE DAVID | Officer | Award / grant | Feb 11, 2026 | 17,594 | $0.00 | $0 | Direct |
| CANTU ERNESTO TORRES | Officer | Award / grant | Feb 11, 2026 | 31,126 | $0.00 | $0 | Direct |
| SKYLER EDWARD | Officer | Award / grant | Feb 11, 2026 | 18,710 | $0.00 | $0 | Direct |
| TUREK ZDENEK | Officer | Award / grant | Feb 11, 2026 | 36,392 | $0.00 | $0 | Direct |
| SELVAKESARI ANAND | Chief Operating Officer | Award / grant | Feb 11, 2026 | 29,202 | $0.00 | $0 | Direct |
| GARG SUNIL | Officer | Award / grant | Feb 11, 2026 | 23,097 | $0.00 | $0 | Direct |
| GARG SUNIL | Officer | Open-market sell | Feb 11, 2026 | 18,000 | $118.49 | $2.13M | Direct |
| MCINTOSH BRENT | Officer | Award / grant | Feb 11, 2026 | 38,584 | $0.00 | $0 | Direct |
| LUCHETTI GONZALO | Officer | Award / grant | Feb 11, 2026 | 27,951 | $0.00 | $0 | Direct |
| KHALIQ SYED SHAHMIR | Officer | Award / grant | Feb 11, 2026 | 32,570 | $0.00 | $0 | Direct |
| MORTON ANDREW JOHN | Officer | Award / grant | Feb 11, 2026 | 58,706 | $0.00 | $0 | Direct |
| RAGHAVAN VISWAS | Officer | Award / grant | Feb 11, 2026 | 59,710 | $0.00 | $0 | Direct |
| RYAN TIMOTHY | Officer | Award / grant | Feb 11, 2026 | 28,627 | $0.00 | $0 | Direct |
| HABNER PAMELA | Officer | Award / grant | Feb 11, 2026 | 19,816 | $0.00 | $0 | Direct |
| MASON MARK A.L. | Chief Financial Officer | Award / grant | Feb 11, 2026 | 52,367 | $0.00 | $0 | Direct |
| FRASER JANE NIND | Chief Executive Officer | Award / grant | Feb 11, 2026 | 117,775 | $0.00 | $0 | Direct |
| GILES NICOLE M. | Officer | Award / grant | Feb 11, 2026 | 29,911 | $0.00 | $0 | Direct |
| GILES NICOLE M. | Officer | Open-market sell | Feb 11, 2026 | 16,792 | $119.04 | $2.00M | Direct |
| WECHTER SARA | Officer | Award / grant | Feb 11, 2026 | 23,647 | $0.00 | $0 | Direct |
| REINER GARY M | Director | Award / grant | Jan 2, 2026 | 1,640 | $27.38 | $45K | Direct |
| DAILEY GRACE E. | Director | Award / grant | Jan 2, 2026 | 1,273 | $1.02 | $1K | Direct |
| COLE TITILOPE | Director | Award / grant | Jan 2, 2026 | 1,272 | $0.91 | $1K | Direct |
Showing 40 of 49 matching transactions.
Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 0.3% of shares outstanding.
Net 6M: +509,511 sh
Price history
Drag across the chart to select a custom period — all analysis below refocuses to that window.
What this means: A significant rerating — the valuation-sensitive frameworks below will have tightened since this move.
Add Citigroup Inc. at a hypothetical weight and Prism recalculates your whole book:
Sharpe, Sortino, volatility, max drawdown, beta — before and after.
How much this shifts your top sector weight and overall diversification.
Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.
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Sign in to run this simulationC: 59% estimated probability of outperforming over the next 12M window. 3 of 5 signal families positive (high confidence). Strongest support: 33% below fair value.
Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.
Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.
P/B 1.11×
33% below fair value
Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.
A turnaround takes hold: margin recovers toward peer averages, revenue stabilises, and the market re-prices the asset value rather than the running earnings.
No deterioration, no surprise re-acceleration. 34% operating margin and 16% top-line growth chug along; the multiple slowly converges to the central fair-value estimate.
Sector: Financial Services. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.
| Metric | C | GCC median | MENA median | Global ex-US |
|---|---|---|---|---|
| P/E (TTM) | — | 11.2× | 8.5× | 11.5× |
| P/B | 1.11× | 1.70× | 1.20× | 1.30× |
| Dividend yield | 1.91% | 4.60% | 4.20% | 4.00% |
| ROE | 7.6% |
Reported EPS $3.06 vs $2.58 expected — well outside the normal beat-and-raise band. The market typically rewards a print this size only if it is read as durable, not one-off. Trailing operating margin: 34.1%.
Confirms operating leverage — 56% trailing EPS growth + a beat of this size is the pattern that drives multi-year re-rates.
If ROE (8%) and operating margin (34%) are stable or rising, the beat is consistent with compounding rather than one-off.
Outsized beats on thin trailing quality often invite multiple expansion that doesn't survive the next print.
Next earnings
Tue, Jul 14 · consensus EPS $2.58 · last actual $3.06
P/E Ratio (TTM)
N/A
PEG Ratio
0.70
P/B Ratio
1.11
EPS Growth
56.1%
Revenue Growth
15.9%
Debt / Equity
N/A
Net Cash / Share
$135.44
Return on Equity
7.6%
Gross Margin
0.0%
Operating Margin
34.1%
FCF / Share
N/A
Current Ratio
N/A
Rejects
· 3 frameworksP/B < 1.0 (below book) is 1.11× — fails "< 1.00×".
ROE > 20% is 7.6% — fails "> 20.0%".
ROE > 15% is 7.6% — fails "> 15.0%".
Trades materially below the fair-value range — historically a tailwind for forward returns.
Quality is mixed — some strengths, some softness.
Balance-sheet detail too thin to evaluate.
Price trend is unremarkable — neither tailwind nor headwind.
Behavioural read is mixed — some accumulation, some distribution.
Recent print + capital-return signal lean positive.
No structural risks flagged.
Among 104 historical setups with similar Prism Score and signal-agreement profiles, 58% beat the benchmark over the next 12 months, with average excess return of +4.0% / yr.
ROE 8% · Op margin 34%
No balance-sheet data
Net selling — 7 insiders
1 tracked holder · peak 6.1%
1.91% yield
83% through 52w range
EPS 56% · Rev 16%
Cyclical earnings prove to be at peak; revenue stalls and the multiple, already low, drifts lower as estimates re-rate down.
| 15.0% |
| 17.0% |
| 12.0% |
Institutional Own.
82.7%
Insider Own.
0.3%
Dividend Yield
1.91%
Book Value / Share
$112.22
Superinvestor ownership
Held by 1 tracked superinvestor · peak weight 6.1%
Weights reflect each investor's latest 13F or factsheet snapshot. Data lags real time by 45+ days.