Citigroup

Banks - Diversified · Financial Services

Price

$129.37

-2.34 (-1.78%)

Market Cap

$221.86B

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Share count falling — buybacks

−9.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.05B (2021) → 1.86B (2025)

Citigroup is one of the largest banks in the world. It offers everyday banking services like checking accounts and credit cards to regular people, and it also helps large companies, governments, and institutions move money, raise funds, and manage risk. Citigroup owns the Citi brand and is one of only a handful of truly global banks with a presence in nearly every major country.

Citigroup makes money through interest on loans, fees on credit cards, and charges for services like foreign exchange and investment banking. It operates in over 160 countries, making it one of the most internationally connected banks in the United States, which is a key competitive advantage for multinational corporate clients. The company is currently in the middle of a multi-year restructuring effort aimed at simplifying its business and improving profitability, and whether that turnaround succeeds is the central question facing the company right now.

Winston Score History

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+56.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$2.3B/ year

1.4% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.9%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$23.6B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Citigroup is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

49.3%

Healthy — 49.3% gross margin

Operating Margin

17.0%

Healthy — 17.0% operating margin

ROCE

0.8%

Weak — 0.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+1.8%

Nearly flat sales (1.8% YoY)

EPS YoY

+27.5%

Earnings growing fast (27.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

-566%

Weak — only -566% of profit becomes cash

FCF Margin

-56.7%

Burning cash (-56.7%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

3.55

Heavy debt load (3.55)

Interest Cover

0.26x

Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

15.8x

Fair value — P/E 15.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+6.2

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (15.8 → 9.6)

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Dividends

Dividend Yield

1.72%

Small dividend — 1.72% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+7.1%

Dividend growing modestly (7.1% YoY)

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