Citigroup Stock: An In-Depth Look at Analyst Opinions (11 Ratings)
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 15 2025
0mins
Should l Buy C?
Source: Benzinga
Analyst Ratings Overview: Citigroup's analyst ratings show a mix of bullish and bearish sentiments, with 3 bullish, 7 somewhat bullish, and 1 indifferent rating in the last 30 days, reflecting a slight increase in average price targets to $118.82.
Recent Analyst Actions: Several analysts have raised their ratings and price targets for Citigroup, with notable increases from firms like B of A Securities and Morgan Stanley, indicating a positive shift in market perception.
Financial Performance Indicators: Citigroup's revenue growth rate stands at approximately 8.11%, but its net margin, return on equity (1.88%), and return on assets (0.14%) are below industry averages, suggesting challenges in profitability and asset utilization.
Debt Management Strategy: The company maintains a below-average debt-to-equity ratio of 1.9, indicating a cautious approach to debt management amidst its financial performance challenges.
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Analyst Views on C
Wall Street analysts forecast C stock price to rise
18 Analyst Rating
15 Buy
3 Hold
0 Sell
Strong Buy
Current: 116.270
Low
87.00
Averages
131.00
High
150.00
Current: 116.270
Low
87.00
Averages
131.00
High
150.00
About C
Citigroup Inc. is a global diversified financial services holding company. The Company’s segments include Services, Markets, Banking, Wealth and U.S. Personal Banking (USPB). The Services segment includes Treasury and Trade Solutions (TTS) and securities services. TTS provides an integrated suite of tailored cash management, trade and working capital solutions to multinational corporations, financial institutions and public sector organizations. The Markets segment provides corporate, institutional and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products and commodities. The Banking segment includes investment banking, which supports client capital-raising needs to help strengthen and grow their businesses. The Wealth segment includes Private Bank, Wealth at Work and Citigold and provides financial services to a range of client segments. USPB segment includes branded cards and retail services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Capital Ratio Improvement: The sale is projected to enhance Citigroup's common equity Tier 1 capital by approximately $4 billion in Q1 2026, primarily driven by the deconsolidation of associated risk-weighted assets and a reduction in disallowed deferred tax assets, thereby strengthening the bank's capital structure.
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- Financial Impact: The divestiture is expected to result in an after-tax loss of $1.1 billion in Q4 2025, directly affecting the bank's earnings per share for that quarter, indicating a short-term negative impact on financial performance.
- Capital Ratio Improvement: The sale is projected to enhance Citigroup's common equity Tier 1 capital by approximately $4 billion in Q1 2026, primarily driven by the deconsolidation of associated risk-weighted assets and a reduction in disallowed deferred tax assets, thereby strengthening the bank's capital structure.
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- Optimistic Earnings Outlook: SoFi's management anticipates revenue and earnings-per-share (EPS) growth of 30% and 54%, respectively, for the next year, which could drive stock price increases despite potential near-term slumps.
- Citigroup's Successful Turnaround: Since late 2023, Citigroup's stock has surged due to CEO Jane Fraser's long-term turnaround strategy, achieving 3% revenue growth and 38% earnings growth in 2024, reflecting steady operational improvements.
- Future Growth Potential: Citigroup expects EPS to reach $10.23 and $12.03 in 2026 and 2027, respectively, and if the stock is re-rated, it could see over a 50% increase by 2027, highlighting its strong investment appeal.
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- Market Competitiveness: As both SoFi and Citigroup continue to grow, investors should pay attention to these two companies, particularly Citigroup's efforts in cost-cutting and business consolidation, which may provide strong support for its future growth.
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- Legislative Stalemate: Solomon's comments come as a Senate committee advances a cryptocurrency market bill aimed at establishing a national regulatory structure, yet the bill has stalled over disputes regarding whether digital asset companies can offer customer rewards, highlighting the complexities and challenges in the legislative process.
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