C · NYSE · STOCK
Citigroup (C) Stock Analysis
$131.63
52W $92.84 – $147.96
59/100
$225.77B
14.0
1.10
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is C Bullish or Bearish?
Bullish.
Innellis AI committee rates Citigroup (C) Buy with a composite score of 59/100
, based on 4 analysts with 50% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.29 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.71 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- News sentiment is positive (+0.20 across 65 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 23, 2026
Overall Committee Score
59/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 58%
of 211 Financial Services peers
Growth Analyst
neutral
58
/ 100 · Moderate confidence
Moderate growth -- present but not remarkable
+ 5 consecutive earnings beats -- consistent execution
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 65 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 57.3 to 58.7.
- Committee agreement fell notably from 67% to 50%.
- Bullish support removed: 5 signal(s) disappeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: stance bullish->neutral; score 71->58 (-14).
- Risk Analyst abstained (was bearish at 30).
- Value Analyst abstained (was bullish at 65).
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
38.2
Neutral
MACD Histogram
-0.439
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$119.76
Resistance
$135.23
Bollinger %B
0.27
Inside Bands
Price vs Moving Averages
EMA 9
$134.29
Below
EMA 21
$134.83
Below
EMA 50
$134.32
Below
EMA 200
$121.69
Above
Fundamental Analysis
Valuation
100
Growth
75
Profitability
46
Financial Health
0
Cash Flow
15
Valuation
P/E Ratio
14.0×
P/B Ratio
1.06×
PEG Ratio
0.37
Dividend Yield
1.88%
52W High
$147.96
52W Low
$92.84
Quality & Growth
ROE
672.1%
ROA
53.7%
Gross Margin
5457.0%
Operating Margin
1608.5%
Revenue Growth YoY
—
Debt / Equity
3.84
AI Fundamental Assessment
P/E ratio of 14.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 6.7%; Return on assets of 0.5%; Net margin of 11.6%; Gross margin of 54.6%; Current ratio of 0.47 (tight short-term liquidity); Debt-to-equity of 3.84; Free cash flow per share is negative (-14.41); Most recent quarter beat estimates by 12.7%; 5 consecutive earnings beats; EPS growth decelerating (+69.1% -> +2.9% QoQ); Average YoY EPS growth of 60.7%; Analyst estimates rising over recent quarters
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