Growth is the primary weakness (avg 50/100). Valuation is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.0x book, trading near or below equity
2–5% CAGR, growing but slowly
2–5%, modest book growth
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
5–10%, adequate but not exceptional
8.0% equity/assets, adequate
Net margin compressed >2pp, profitability pressure
Citigroup (C) quality: score, margins and returns
Citigroup (C) scores 61/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Citigroup (C) a high-quality business?+
Citigroup scores 61 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Citigroup's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from C's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Citigroup scores well and where it falls behind.
How profitable is Citigroup?+
Citigroup runs a net margin of about 18.9%. Revenue has grown at roughly 4.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 20 Feb 2026, covering the period ending 31 Dec 2025, as reported to the SEC. Data last refreshed 28 Sept 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
National Commercial Banks · Pick stocks to compare with C
Held by ETFs
C is in 375 US ETFs. The largest of them, with C's weight in each:
Spot a number that looks wrong? Check it in C's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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