C
Citigroup IncData updated: 2026-06-05 · Current price: $132.47
Composite Score: 52
HOLD
Score: 52 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
63
Growth
53
Valuation
67
Moat
31
Stability
23
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
6.7%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
44.3%
Quality threshold: > 5%
5-Year ROE: 6.7% → 6.1% → 4.5% → 7.4% → 3.9%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
11.51
Quality threshold: < 0.5
FCF (5yr avg)
-9.0B $
Quality threshold: > 0
Current Ratio
1.09x
Quality threshold: > 1.5
FCF Trend (B USD)
$-61.1B2022
$-13.2B2023
$-66.8B2024
$30.7B2025
$65.4B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$7.8B
Net Income + D&A - CapEx
Current Price
$132.47
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
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"Price is what you pay. Value is what you get."
— Warren Buffett