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National commercial banks company · DE · FY ends Dec · Revenue $75.73B · -$74.15B FCF
$129.36
$2.35 (-1.78%)
EOD Jul 17, 2026
18.89% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 6.7% YoY.
At 19x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
18.5x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$75.73B
▲ +6.7% YoY
Net Income (TTM)
$14.31B
▲ +12.8% YoY
Net Margin
18.89%
P/E
18.5x
Balance Sheet
Total Assets
$2.66T
Equity
$212.29B
Total Debt
$370.87B
Cash & Equiv.
$349.58B
5Y CAGR: +4.9%
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At a P/E of 18.5, Citigroup (C)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Citigroup scores 60/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.2%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Citigroup scores 60 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Citigroup pays a regular dividend of about $2.87 per share per year (typically in quarterly installments), a yield of roughly 2.2% at the current price. That is a payout ratio of about 37.6% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For C's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh C's valuation and scores 60/100 on quality (solid). It also yields about 2.2%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.