Citigroup Inc. (C): a potential bargain?

Buy — the drop is investors overreacting to a strong earnings beat and unchanged guidance, not a broken business.

🔥 HOT Fundamentals63/100

Down 76% from its all-time high of $557.00 — now $133.79

Why C dropped

The stock's huge long-term decline dates back to the 2008 financial crisis and is ancient history; the recent -8% dip is from July 14, 2026 when Citi beat Q2 earnings badly (EPS $3.15 vs $2.73 expected, revenue up 14% to best in a decade) but the stock fell because management kept full-year return guidance unchanged and signaled higher spending in H2, implying a weaker second half.

Fwd P/E 10.6Op margin 34.1%Rev growth 15.9%Debt/equity —Analyst upside 16.6%

How this scored 63/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 20.4%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 18/25

Operating margin 34.1% 9/9

Net profit margin 20.4% 8/8

Return on equity 7.6% 1/8

Growth Is it getting bigger, or dying? 22/25

Revenue growth 15.9% 6/9

Earnings growth 56.1% 8/8

Expected profit change 36.0% 8/8

Value Is it cheap right now? 18/25

Forward P/E 10.6 9/10

PEG ratio 0.7 7/8

Analyst target upside 16.6% 2/7

Balance sheet Will it survive? 5/25

Debt / equity unknown 3/10

Current ratio unknown 2/8

Free cash flow unknown 0/7

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Analysis generated by NormieStonks's AI from public fundamentals and news, first flagged 2026-07-15. Research only — not financial advice.