Stock Price & Analysis

Based on the provided data and recent market activity, here's a comprehensive analysis of Citigroup (C):

Technical Analysis

The stock shows a bearish short-term trend with recent price action indicating weakness:

• Latest close: $54.44 (Feb 23)
• Trading below both 5-day and 10-day SMAs ($82.83 and $82.11)
• RSI-14 at 48.78 suggests neutral momentum
• MACD showing bearish divergence with -0.39 histogram

Fundamental Analysis

Recent developments impacting Citigroup:

• Mutual funds increased exposure to Citigroup in Q4 2024, indicating institutional confidence
• Credit card metrics remained relatively stable in January 2025, with average delinquency rate at 3.07%
• The company is adjusting its corporate strategy, including changes to diversity initiatives

Market Sentiment

• Berkshire Hathaway recently trimmed its position by approximately 70%
• Credit card lending activity showed a decline of 2.7% to $512B across the sector
• The stock has underperformed the broader market, suggesting cautious investor sentiment

Recommendation Given the technical weakness, recent institutional selling pressure, and broader market uncertainties, selling Citigroup stock appears to be the more prudent action at current levels. The bearish technical setup combined with Berkshire's significant reduction in position suggests potential further downside risk.

Based on the provided data and market analysis, here is the price prediction for Citigroup (C) stock in 2025:

Citigroup's stock price is expected to reach $85-90 by end of 2025, representing a 12-15% upside from current levels, driven by improving profitability metrics and continued execution of strategic initiatives. According to analyst consensus, major Wall Street firms including B of A Securities ($95 target) and Oppenheimer ($102 target) maintain bullish ratings, citing potential benefits from falling interest rates and operational improvements.

The technical setup shows consolidation around the $80 level with strong support at $76.50, suggesting limited downside risk while maintaining upward momentum potential. Citigroup's projected 10% earnings growth in 2025 aligns with broader market expectations for financial sector recovery.

The S1 support level for C Stock is $77.75 ,The R1 resistant level for C Stock is $84.07.

As of the end of day on 2025-02-26, the price of C Stock was $78.36.

The target price for C Stock according to analyst rating is 90.68, with the highest price target at 113.00 and the lowest at 77.00. Analysts have a Strong Buy rating on C Stock overall.

The market cap of C is $147.3B.

Based on the provided data and recent market activity, here's a comprehensive analysis of Citigroup's valuation:

Technical Analysis

The stock is showing signs of being overvalued in the short term, with technical indicators suggesting a bearish trend:

• RSI-14 at 48.78 indicates neutral momentum but trending downward
• MACD shows bearish divergence with MACD (1.56) crossing below signal line (1.95)
• Stock is trading near the middle of its Bollinger Bands (BBM: 81.37), suggesting potential for further downside

Fundamental Valuation

Key metrics indicating overvaluation:

• P/E ratio increased significantly from 6.26 in Q1 2022 to 12.72 in Q4 2023
• EV/EBITDA doubled from 12.33 to 24.92 over the same period
• Net income declined from $13.7B in 2022 to $7.85B in 2023
• ROE dropped from 7.63% to 4.24% year-over-year

Recent Performance

The stock closed at $79.65 on February 21, 2025, showing:

• Regular market decline of -2.08%
• Trading volume of 14.9M shares
• Significant deterioration in profitability metrics

Analyst Sentiment

Recent analyst coverage shows mixed sentiment, with concerns about:

• Softening diversity commitments affecting corporate culture
• Changes in institutional investment strategies
• Declining credit card metrics in January 2025

Conclusion

Citigroup appears overvalued at current levels due to:

1. Deteriorating fundamentals
2. Technical weakness
3. Rising valuation multiples despite declining performance
4. Institutional selling pressure
5. Operational challenges

Citigroup Inc. is a diversified financial services holding company. Its segments include Services, Markets, Banking, U.S. Personal Banking (USPB) and Wealth. 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. 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. Banking segment includes investment banking, which supports client capital-raising needs to help strengthen and grow their businesses. USPB segment includes branded cards and retail services, which have proprietary card portfolios and co-branded card portfolios. Wealth includes private bank, wealth at work and Citigold and provides financial services.

Based on the provided data and analysis, here is Citigroup's (C) projected stock price for 2030:

Citigroup's stock price is projected to reach approximately $125-130 by 2030, driven by the bank's digital transformation initiatives and improving operational efficiency. The forecast considers Citigroup's current valuation metrics (P/E of 6.36x and P/B of 0.48x) which suggest significant undervaluation, along with its strategic focus on core institutional banking and wealth management segments. The bank's robust dividend yield of 4.51% and strong capital position provide additional support for long-term price appreciation.

C has a total of 239000 employees.