Citigroup's plan to survive AI aftershocks: Bet on bonds and small-cap stocks
Smaller companies, cyclicals and bonds will help protect investors in a market that's teeming with AI uncertainties, says Citigroup.
Fiscal Year: January - December
Citigroup Inc. (C), listed on the NYSE, has a market capitalization of $. As of Feb 21, 2026, the stock is trading at $116.00 per share, offering investors a clear view of its current market value. Citigroup Inc. is a prominent player in the industry sector, attracting both institutional and retail investors due to its performance and potential.
With a P/E ratio of 16.59, investors can assess the stock's valuation in comparison to its earnings. A P/E ratio is a crucial indicator for value investors, showing whether the stock is over or undervalued relative to its current earnings. Citigroup Inc. also offers a dividend yield of 2.07%, making it an attractive option for income-focused investors who seek regular dividends.
Our Discounted Cash Flow (DCF) analysis reveals that Citigroup Inc. (C) may be overvalued compared to its intrinsic worth. However, to see the exact DCF fair value, please Login or Upgrade for access.
The proprietary SS Score for Citigroup Inc. is a unique metric that analyzes the company's financial health and growth potential. The score takes into account critical factors such as revenue growth, net income, free cash flow (FCF) compound annual growth rate (CAGR), the trend of shares outstanding, and the debt-to-FCF ratio. This helps investors to make a more informed decision, as an undervalued stock might still have poor financial fundamentals.
To view the detailed SS Score for Citigroup Inc., Login or Upgrade for access.
The Price to Free Cash Flow (P/FCF) ratio for Citigroup Inc. is 0, offering insights into how much investors are paying for the company's free cash flow. A lower P/FCF ratio typically suggests that the stock is undervalued, while a higher ratio may indicate overvaluation.
In summary, Citigroup Inc. (C) has shown consistent financial performance, as illustrated by the financial charts above, which track its revenue growth, net income, free cash flow, and shares outstanding over the past several years. These metrics provide investors with key insights into the company's past and projected future performance. Investors should use the SS Score alongside the DCF Fair Value to make better-informed decisions about whether to buy or hold the stock.
*This analysis is for informational purposes only and does not constitute investment advice. Always read the company's 10-K filings and do your own research before making any investment decisions.
Whether Citigroup Inc. (C) is a good stock to buy depends on various factors, including its financial health, market conditions, and your investment strategy. Our analysis indicates that the stock may be overvalued compared to its intrinsic value. However, it is important to assess the SS Score and review the company's fundamentals before making any investment decisions.
The fair value of Citigroup Inc. (C) is determined through our Discounted Cash Flow (DCF) analysis. This value represents the intrinsic worth of the stock based on its expected future cash flows. To view the specific fair value, consider subscribing to our service for complete access.
The SS Score is a proprietary financial quality metric that assesses factors such as revenue growth, net income, free cash flow growth, and debt levels. It helps investors evaluate the overall financial health of Citigroup Inc.. To access the full SS Score, consider upgrading your subscription.
Citigroup Inc. is a significant player in the industry sector, with a market capitalization of $ and a competitive P/E ratio of 16.59. Investors should compare these metrics with industry peers to gauge whether Citigroup Inc. is outperforming or underperforming within its sector.
Smaller companies, cyclicals and bonds will help protect investors in a market that's teeming with AI uncertainties, says Citigroup.
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Below estimates were sourced from SimplyWallSt and are intended for educational purposes only as a baseline for the analysis.
| Year | FCF Estimate | % | # Analysts |
|---|---|---|---|
| 2026 | -81.54B | Est @ | |
| 2027 | -85.35B | 4.67% | Est @4.7% |
| 2028 | -88.84B | 4.09% | Est @4.1% |
| 2029 | -92.11B | 3.68% | Est @3.7% |
| 2030 | -95.04B | 3.18% | Est @3.2% |
| 2031 | -97.88B | 2.99% | Est @3.0% |
| 2032 | -100.69B | 2.87% | Est @2.9% |
| 2033 | -103.48B | 2.77% | Est @2.8% |
| 2034 | -106.10B | 2.53% | Est @2.5% |
| 2035 | -108.73B | 2.49% | Est @2.5% |
Below are the FCF estimates with the discount factor and the calculated present value with the terminal value that led the results above.
| Year | FCF | Discount Factor | PV of Future FCF |
|---|---|---|---|
| 2024A | -26.17B | 1.00 | -26.17B |
| 2025A | 0.00 | 1.00 | 0.00 |
| 2026E | -81.54B | 1.11 | -73.29B |
| 2027E | -85.35B | 1.24 | -68.95B |
| 2028E | -88.84B | 1.38 | -64.51B |
| 2029E | -92.11B | 1.53 | -60.11B |
| 2030E | -95.04B | 1.70 | -55.75B |
| 2031E | -97.88B | 1.90 | -51.61B |
| 2032E | -100.69B | 2.11 | -47.71B |
| 2033E | -103.48B | 2.35 | -44.07B |
| 2034E | -106.10B | 2.61 | -40.62B |
| 2035E | -108.73B | 2.91 | -37.41B |
| Terminal | -1.27T | 2.91 | -437.82B |
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