C · NYSE · STOCK
Citigroup (C) Stock Analysis
$138.50
52W $90.68 – $147.96
63/100
$238.92B
14.8
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 63/100
, based on 6 analysts with 83% agreement.
Last updated August 17, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.83 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 — -8.17 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 genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 3.33) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 13.0 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Revenue growing 99.2% YoY -- genuine top-line momentum — Growth
- EPS growing 35.2% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Debt-to-equity of 3.33 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- High leverage (debt-to-equity 3.33) amplifies downside in a stress scenario — Risk
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 17, 2026
Overall Committee Score
63/100
Agreement
83%
Analysts
6
Conviction
Contested
Sector Rank
Top 50%
of 209 Financial Services peers
Value Analyst
bullish
65
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.0 is inexpensive for the broad market
− Debt-to-equity of 3.33 adds balance-sheet risk to the value case
Growth Analyst
bullish
71
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 99.2% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 3.33) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 81 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 2963.04)
Investment Thesis Evolution
Committee score moved marginally from 63.2 to 63.2.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-08-16 to 2026-08-17 (1 day apart).
Technical Analysis
RSI (14)
67.8
Neutral
MACD Histogram
0.787
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$119.76
Resistance
$147.87
Bollinger %B
0.93
Inside Bands
Price vs Moving Averages
EMA 9
$136.63
Above
EMA 21
$135.55
Above
EMA 50
$134.41
Above
EMA 200
$121.06
Above
Fundamental Analysis
Valuation
100
Growth
75
Profitability
46
Financial Health
0
Cash Flow
15
Valuation
P/E Ratio
14.8×
P/B Ratio
1.12×
PEG Ratio
0.40
Dividend Yield
1.77%
52W High
$147.96
52W Low
$90.68
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 14.8 (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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