Citigroup Inc. Stock Price Targets

Comprehensive analysis of short, mid, and long-term price targets for Citigroup Inc. (C).

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Give me a comprehensive price target analysis for Citigroup Inc. (C).

Placed horizontal price target lines

  • Low Target: 82.00 (green)
  • Median Target: 111.00 (blue)
  • High Target: 129.00 (red)

Lines have been drawn on the chart extending 30 days into the future from 2025-10-07 (to 2025-11-06). Colors used:

  • Low: #2ECC71
  • Median: #3498DB
  • High: #E74C3C

Executive Summary

  • Citigroup (C) trades around 98.05 with a price-to-book around 0.92 and a forward P/E near 13.6, suggesting the stock is not demanding a premium multiple relative to peers, though the bank sector carries cyclical and regulatory risk.
  • The market consensus target spreads from 82 (low) to 129 (high), with a median around 111 and a mean target near 109.8. This implies a potential 10-14% to the median target over a 3–12 month horizon, with upside risk if earnings revisions and NII momentum beat expectations.
  • The combination of strong cash position and solid margins supports a constructive view, but macro headwinds and rising loan-loss considerations could cap near-term upside. A measured stance is warranted given the current RSI (~40) and the MACD showing near-term momentum not yet clearly bullish.

Fundamental Analysis

  • Current Valuation and Health
    • Current price: 98.05
    • Market cap: 180.50B
    • Enterprise value: -15.01B
    • Trailing P/E: 14.48
    • Forward P/E: 13.64
    • Price to book: 0.92
    • ROE: 6.76%
    • ROA: 0.57%
    • Profit margin: 19.47%
    • Gross margin: 0.0% (Banks typically quote operating margin; gross margin not meaningful for banks)
    • Operating margin: 27.65%
    • Total cash: 991.10B
    • Total debt: 778.90B
    • Dividend yield: 2.46% (vs. 5-year avg 3.6%)
    • Beta: 1.36
  • Commentary
    • Citi’s strong cash position and consistent profitability support downside protection and capacity for capital returns, yet the relatively modest ROE versus peers and the sector’s sensitivity to credit quality and interest rate cycles suggests limited upside in the near term without an improving rate environment or cost efficiency gains.

Analyst Price Targets and Coverage

  • Target low / median / high: 82.0 / 111.0 / 129.0
  • Current price: 98.05
  • Number of analysts: 21
  • Target mean: 109.79
  • Key catalysts cited by analysts commonly include gross/net interest income momentum, loan growth, cost control, capital returns, and regulatory conditions.

Recent Earnings Summary (selected figures)

  • Quarter-end: 2025-06-30
    • Total revenue: 21.661B
    • Net income from continuing operations: 4.019B
    • Diluted EPS: 1.96
    • Basic EPS: 1.9845
    • Other notes: Normalized income around 4.017B; Net income including discontinued ops ~4.033B
  • Quarter-end: 2025-03-31
    • Total revenue: 21.601B
    • Net income from continuing ops: 4.065B
    • Diluted EPS: 1.96
    • Basic EPS: 1.9963
  • Quarter-end: 2024-12-31
    • Total revenue: 19.586B
    • Net income continuing ops: 2.857B
    • Diluted EPS: 1.34
    • Basic EPS: 1.3578
  • Quarter-end: 2024-09-30
    • Total revenue: 20.265B
    • Net income continuing ops: 3.239B
    • Diluted EPS: 1.51
    • Basic EPS: 1.7043
  • Quarter-end: 2024-06-30
    • Total revenue: 20.037B
    • Net income continuing ops: 3.218B
    • Diluted EPS: 1.52
    • Basic EPS: 1.5427

EPS Trend (as provided)

  • Periods and EPS (rounded)
    • 0q (current): 1.7976; 7d ago: 1.8963; 30d ago: 1.8657; 60d: 1.8645; 90d: 1.8408
    • +1q: 1.7882; 7d: 1.7829; 30d: 1.7831; 60d: 1.7837; 90d: 1.8419
    • 0y: 7.5008; 7d: 7.5937; 30d: 7.5688; 60d: 7.5688; 90d: 7.2677
    • +1y: 9.8205; 7d: 9.8399; 30d: 9.8009; 60d: 9.7934; 90d: 9.3818
  • Interpretation
    • The near-term EPS (0q) is lower than 7-/30-/60-/90-day readings, indicating a bounce in the most recent period. The YoY figures are elevated, reflecting a higher base for comparison. Overall, the trend shows episodic fluctuations rather than a steady, straight-line increase, suggesting earnings momentum is not consistently accelerating on a quarterly basis.

EPS Revisions (analyst sentiment shifts)

  • 0q: upLast7d = 0; upLast30d = 5; downLast30d = 4; downLast7d = 3
  • +1q: upLast7d = 1; upLast30d = 5; downLast30d = 4; downLast7d = 2
  • 0y: upLast7d = 0; upLast30d = 4; downLast30d = 1; downLast7d = 1
  • +1y: upLast7d = 2; upLast30d = 8; downLast30d = 3; downLast7d = 3
  • Interpretation
    • Over the last 30 days, analysts have issued more upgrades than downgrades (notably in the +1y and 0q frames), pointing to a modestly constructive sentiment for Citi’s earnings trajectory.

Technical Analysis (Last 60 Days Snapshot)

  • 50-Day Moving Average (MA): Last reported MA = 96.8; price currently around 98.05, modestly above the MA.
  • RSI (14): Last value around 40.2 (mid-range to oversold territory; not a strong momentum signal).
  • MACD (12,26,9): Last MACD = 0.7; Signal = 1.5 (bearish crossover tendency noted, suggesting some downside momentum near term).
  • Interpretation
    • The stock is trading above the 50-day MA, indicating a positive short-term bias, but RSI near 40 and a bearish MACD hint at near-term consolidation or minor pullbacks. The price could test the nearby dynamic support around the 50-day MA (~97–97.5) or move toward the median target at 111 if momentum improves.

Analyst Consensus & Price Targets (Key Reference Data)

  • Current price: 98.05
  • Target Low / Median / High: 82.0 / 111.0 / 129.0
  • Number of analysts: 21
  • Target Mean: 109.79
  • Summary note: The spread to the low and high targets indicates a balanced risk/reward, with upside potential to the median (111) and greater upside under the high-case (129) if earnings momentum and NII growth materialize.

Price Target Analysis (Short, Mid, Long-Term)

  • Short-Term (3 months)
    • Target: 111.0 (median)
    • Justification: Near-term catalysts include favorable EPS revisions and continued strength in net interest income, supported by Citi’s robust balance sheet and steady capital deployment. The momentum reflected in recent 30- to 60-day revisions supports a re-rating toward the median target.
    • Key drivers: Upward revisions in the last 30 days (net upgrades), continued loan growth and NII resilience, and ongoing efficiency efforts.
    • Upside/Downside: If revisions slow or macro credit headwinds intensify, the 82.0–100 range remains a plausible sentiment floor, but the charted 82 line acts as a distant floor rather than expected near-term target.
  • Mid-Term (12 months)
    • Target: 109.8–111.0 (consensus mean to median)
    • Justification: A 12-month horizon allows for multiple expansion as earnings stability and ROE dynamics improve, plus potential multiple re-rating from a P/B near 0.9 toward 1.0x–1.1x if credit quality remains solid and costs stabilize.
    • Key drivers: Analyst upgrades trend, efficiency gains, modest NII expansion in a favorable rate environment, potential buyback activity, and continued cash strength.
    • Upside/Downside: A stronger-than-expected earnings trajectory or macro tailwinds could push toward the high target (129) if the bank sector broadens its multiple expansion.
  • Long-Term (3+ years)
    • Target: 129.0 (high-case)
    • Justification: The high target implies substantial upside if Citi converts its strong liquidity and profitability into meaningful ROE improvements and if P/B re-rating occurs as the bank’s risk profile remains supported and capital returns accelerate.
    • Key drivers: Sustained revenue growth (NII and non-interest income), cost discipline, favorable macro environment, and a re-rating of bank multiples as credit risk remains contained.
    • Upside/Downside: Structural headwinds (credit impairments) or a sustained rate volatility regime could cap multiple expansion; the long-term trajectory hinges on consistent ROE improvements and disciplined capital management.

Key Risks & Opportunities

  • Major Risks
    • Credit quality deterioration in a weaker macro backdrop
    • Regulatory and compliance costs, litigation risk
    • Interest rate volatility impacting NII and margin stability
    • Bank-specific idiosyncrasies (capital requirements, stress test outcomes)
  • Key Opportunities
    • Margin expansion through NII growth and cost controls
    • Balanced capital deployment (buybacks/dividends) supporting per-share value
    • Potential multiple re-rating if ROE trends improve and P/B normalizes near 1.0x–1.1x

Investment Recommendation

  • Rating: Hold
  • Rationale: The stock trades near the median target with a plausible 3–12 month upside to 111 and potential high-end upside to 129 if earnings revisions and ROE improvements materialize. The current RSI and MACD suggest near-term consolidation rather than a strong breakout. A 12–24 month horizon could yield meaningful upside if Citi sustains growth in NII and achieves margin stabilization with controlled costs.
  • Expected return (12–24 months): Approximately 5–15% on base scenarios, with higher upside under favorable macro conditions and continued positive earnings revisions.

Price Target Summary (quick reference)

  • Low Target: 82.00
  • Median Target: 111.00
  • High Target: 129.00
  • Current Price: 98.05
  • Mean Target: 109.79
  • Analysts: 21
  • Key lines on chart (for quick reference): 82 (green), 111 (blue), 129 (red), extended to 2025-11-06

Tables and data sources (condensed)

  • Key Valuation Metrics
    • current price, market cap, EV, P/E (trailing/forward), P/B, ROE, ROA, margins, cash/debt, dividend, beta
  • Earnings and EPS Data (selected quarters and trends)
    • Quarter-end revenue, net income, diluted EPS, basic EPS
  • EPS Trend (current and past 7/30/60/90 days)
    • 0q and +1q, 0y and +1y values
  • EPS Revisions (up/down revisions by period)
    • 0q, +1q, 0y, +1y with upLast7d/upLast30d and downLast30d/downLast7d
  • Technical Indicators (last 60 days)
    • 50-day MA values, RSI values, MACD values (MACD vs Signal)
  • Analyst Targets
    • Low/Median/High targets, current price, number of analysts, mean target
  • Price Target Analysis
    • Short, Mid, Long-Term targets, rationale, and drivers

If you’d like, I can export this into a clean PDF/markdown report with embedded charts and a chart-ready table for your notes.

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