Should I buy Citigroup stock in 2025?
Is Citigroup stock a buy right now?
As of early May 2025, Citigroup stock trades at approximately $68.14, with an average daily volume of around 17.4 million shares—a clear indication of ongoing investor engagement. Following the recent appointment of Robert Lighthizer, former U.S. Trade Representative, as a senior adviser and the bank’s continued organizational transformation, Citigroup has demonstrated its intent to strengthen global and operational strategy. The latest quarterly results evidenced robust performance, with a 21% gain in net income and earnings per share up 24% year-over-year, both comfortably surpassing analyst expectations. This ongoing progress has fostered a largely constructive sentiment, as investors recognize both the attractive valuation (with a P/E ratio notably below industry average) and the steady execution of CEO Jane Fraser’s simplification strategy. In the broader U.S. banking landscape, Citigroup’s diversified business lines and resilient capital position provide stability and upside opportunity, even as the sector navigates macroeconomic headwinds. More than 33 national and international banks now share a consensus target price of $88.58 for Citigroup, underlining substantial potential for appreciation from current levels. For investors evaluating opportunities in the U.S. financial sector, Citigroup’s careful transformation and strong fundamentals merit close consideration.
- Strong capital position with CET1 ratio at 13.4%, exceeding regulatory requirements.
- Attractive valuation trading below book value and at a lower P/E ratio than peers.
- Diversified global business with operations in over 160 countries and jurisdictions.
- Recent revenue and net income growth across all five core business segments.
- Generous dividend yield of 3.29% and rising shareholder returns through buybacks.
- Sensitive to global macroeconomic shifts and trade policy changes.
- Net interest income may face pressure if rates drop sharply.
- What is Citigroup?
- How much is Citigroup stock?
- Our full analysis on Citigroup </b>stock
- How to buy Citigroup stock in United States?
- Our 7 tips for buying Citigroup stock
- The latest news about Citigroup
- FAQ
Why trust HelloSafe?
At HelloSafe, our experts have been tracking Citigroup's performance for over three years. Every month, hundreds of thousands of users in the United States rely on our insights to make sense of market trends and find the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical standards, we have never received, and will never receive, compensation from Citigroup.
What is Citigroup?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United States | U.S. banking giant with global operations in over 160 countries. |
| 💼 Market | New York Stock Exchange (NYSE) | Listed on a major U.S. exchange, ensuring strong liquidity. |
| 🏛️ ISIN code | US1729674242 | Universal security identifier, confirming Citigroup as a U.S.-listed stock. |
| 👤 CEO | Jane Fraser | First female CEO of Citigroup, leading significant restructuring and transformation. |
| 🏢 Market cap | $127.27 billion | Large-cap status reflects substantial scale and importance in the global banking sector. |
| 📈 Revenue | $21.6 billion (Q1 2025) | Q1 revenue grew 3% year-over-year, showing steady business momentum. |
| 💹 EBITDA | ~$6.5 billion (Q1 2025 est.) | EBITDA margin highlights operational efficiency but depends on controlling costs. |
| 📊 P/E Ratio (Price/Earnings) | 10.76 | Valuation is below the sector average, signaling possible undervaluation or opportunity. |
How much is Citigroup stock?
The price of Citigroup stock is falling this week. As of now, Citigroup shares trade at $68.14, down 0.35% (−$0.24) in the last 24 hours and showing a 0.42% decline over the past week.
| Metric | Value |
|---|---|
| Market Capitalization | $127.27 billion |
| 3-Month Avg. Trading Volume | 17.41 million shares |
| P/E Ratio | 10.76 |
| Dividend Yield | 3.29% |
| Stock Beta | 1.28 |
Citigroup’s stock beta is 1.28, indicating higher-than-market volatility. Investors should consider that while recent movement has been modestly negative, Citigroup’s financial fundamentals and ongoing business transformation continue to present compelling long-term opportunities amidst market fluctuations.
Check out the USA's best brokers!Compare brokersOur full analysis on Citigroup stock
Having thoroughly reviewed Citigroup’s latest financial results and closely analyzed its share price trajectory over the past three years, our proprietary modeling—incorporating multi-source financial analytics, technical indicators, comparative sector analysis, and peer benchmarking—yields a constructive perspective on the stock’s prospects. With Citigroup’s ongoing business transformation and robust Q1 2025 performance, the combination of valuation metrics, market structure, and operational execution stands out. So, why might Citigroup stock once again become a strategic entry point into the U.S. large-cap diversified banking sector in 2025?
Recent Performance and Market Context
Citigroup has posted a commendable rebound over the past twelve months, with its share price up +11.07% year-over-year, outperforming several major U.S. banking peers. Notably, the bank’s six-month return of +6.95% demonstrates resilience in the face of sector and macroeconomic volatility, even as the stock notably underperformed year-to-date (-3.20%), reflecting broader financial sector sensitivities to interest rate outlook and global trade policy.
Key positive developments reinforcing confidence include:
- Q1 2025 earnings beat: EPS of $1.96 surpassed analyst consensus by $0.12, alongside record revenues in Wealth Management and continued market share gains in trading and transaction services.
- Leadership moves: The strategic hiring of seasoned public policy expert Robert Lighthizer as senior advisor on global trade augments Citigroup’s global reach and strengthens its regulatory navigation amid ongoing trade uncertainties.
- Transformation momentum: CEO Jane Fraser’s simplification strategy is now translating into tangible improvements across all five business segments, accelerating operational efficiency and supporting profitability.
At a macro level, Citigroup benefits from a supportive environment for global transactional banking: robust cross-border payment flows, higher volatility driving trading activity, and tailwinds from increased client activity in investment and wealth management. The sector’s improved capital discipline and the prospect of stable to gently declining rates create a benign backdrop for large, diversified banks such as Citigroup.
Technical Analysis
The prevailing technical structure for Citigroup stock offers promising signals to attentive investors. At $68.14 (as of May 2, 2025):
- RSI (14) at 53.95 points to balanced market conviction—neither overbought nor oversold.
- MACD (-0.31) tilts marginally negative, but the neutral RSI and recent successful test of major support suggest downside risk may be limited in the near term.
- Moving averages reveal a consolidation setup:
- Price is above the 20-day SMA ($64.33; bullish short-term momentum).
- Currently hovering just below the 50-day SMA ($69.79), marking a technical inflection point.
- Well above the 200-day SMA ($67.51), indicating underlying long-term strength.
Key levels to monitor:
- Support: $67.89 (recent daily low), $66.50 (20-day EMA)
- Resistance: $68.90 (recent high), $69.79 (50-day SMA), with a confirmed breakout above $69.79 potentially unlocking further upside to the analyst consensus target of $83.70.
The medium-term technical outlook thus points to a favorable “base building” phase, with risk/reward dynamics skewed toward the upside upon volume-backed moves above resistance.
Fundamental Analysis
Citigroup’s fundamentals currently stand out as among the most compelling in the U.S. banking sector:
- Revenue growth and profitability: Q1 2025 revenues rose 3% YoY (to $21.6B), with net income up a remarkable 21% YoY and EPS surging 24%—a testament to greater capture of trading activity, operational efficiency, and gains in wealth management.
- Attractive valuation: The stock trades at 10.76x trailing earnings and 9.27x forward earnings, significantly below the sector average. A price-to-book ratio of 0.66 strongly implies a value opportunity, especially with book value per share growing 5% YoY. This discount appears unwarranted given Citigroup’s improving profitability profile and balance sheet strength.
- Balance sheet resilience: The CET1 capital ratio of 13.4% and a tangible book value per share of $91.52 (+6% YoY) confirm Citigroup’s sound positioning well above regulatory minima, empowering continued capital returns ($2.8B in Q1 2025) and dividend growth (3.29% yield).
- Strategic strengths:
- Global reach: Over 160 countries served, still unrivaled among large U.S. banks.
- Diversification: Five robust segments (Markets, Wealth, Services, Banking, U.S. Personal Banking) provide revenue resilience.
- Brand and innovation: Ongoing investments in digital platforms and cross-border capabilities deepen client engagement and operational scale.
Citigroup’s ongoing transformation—which streamlines operations and prioritizes high-return businesses—further enhances prospects for sustainable earnings growth and multiple expansion.
Volume and Liquidity
- Consistent liquidity: The stock averages 17.41 million shares traded per day (3-month), a significant base that enables both institutional and retail investors to establish or exit positions efficiently.
- Robust public float: With a float of 1.86 billion shares, Citigroup’s liquidity profile supports dynamic valuation discovery, facilitating price movement in response to both company- and market-level catalysts.
This depth of liquidity not only attests to strong underlying market confidence, but also enables active engagement by large institutional investors—often a precursor to sustained value re-rating.
Catalysts and Positive Outlook
A series of concrete, bullish drivers underpin Citigroup’s positive setup:
- Business transformation progress: The ongoing “simplify to win” strategy under CEO Jane Fraser is already reflected in enhanced profitability and streamlined operations.
- Wealth Management expansion: Revenues in this segment jumped 24% year-over-year in Q1 2025, with client investment assets rising 16%—demonstrating Citigroup’s ability to capture the global trend toward financial advisory and investment solutions.
- Trading and markets strength: The volatile market environment continues to drive higher revenues (Markets segment up 12%, Equities up 23%), suggesting Citigroup remains well-positioned to benefit from ongoing capital market activity.
- Investment banking leadership: A remarkable 84% increase in advisory fees, combined with growing wallet share, highlights Citigroup’s strengthening franchise in global capital markets.
- Digital innovation: Strategic investment in digital capabilities is improving operational efficiency, client service, and scalability, reinforcing competitive positioning as banking becomes ever more technology-driven.
- ESG and capital return discipline: Continued focus on responsible banking, with capital return ($2.8B Q1 buyback + dividends) underpinning shareholder value.
Looking forward, stabilization or improvement in macro conditions (e.g., interest rate clarity, easing trade tensions) and regulatory rationalization could serve as additional upside catalysts.
Investment Strategies
Whether considered for short-, medium-, or long-term positioning, Citigroup appears to offer distinct entry advantages:
- Short-term: Current price action just below technical resistance (~$69.79) offers a potential “early entry” during a base-building phase, with clear support at $67.89 helping define downside risk. The upcoming earnings season or positive news on digital initiatives could serve as near-term triggers.
- Medium-term: Momentum in high-performing segments (especially Wealth and Markets), together with increasing capital return activity, supports a potential rerating toward the $83.70 analyst consensus target—a roughly 23% upside from current levels.
- Long-term: For investors favoring blue-chip, diversified franchises, Citigroup’s peer-leading global reach, robust balance sheet, and highly attractive valuation multiples create a compelling blend of income (3.29% yield), resilience, and capital appreciation potential. The price-to-book ratio below 0.7, in particular, historically signals outsized long-term return potential for investors with strategic patience.
Is it the Right Time to Buy Citigroup?
Several converging factors make Citigroup a stock that deserves renewed attention at current levels. The combination of robust quarterly growth, substantial capital returns, and a powerful transformation narrative are reinforced by an undervalued share price, high trading liquidity, and constructive technical signals. While macroeconomic uncertainties and regulatory headwinds persist, Citigroup’s differentiated global business and balance sheet strength offer meaningful protection and upside.
As Citigroup continues to simplify, innovate, and unlock value across its franchises, the stock seems to represent an excellent opportunity for investors seeking exposure to the next phase in global financial services. With its forward-looking management, sector-leading capital metrics, and visible revenue momentum, Citigroup may indeed be entering a new bullish phase—one that justifies careful consideration for portfolio inclusion as we approach the second half of 2025.
For investors attuned to value, technical positioning, and tactical catalysts, Citigroup stands out as a large-cap financial poised for durable upside as its transformation story accelerates.
How to buy Citigroup stock in United States?
It’s never been easier or more secure to buy Citigroup stock online. With regulated U.S. brokerage platforms, you can invest quickly with just a few clicks while benefiting from strong investor protections. Most brokers offer two main options: traditional spot (cash) buying, where you own the shares outright, or trading Contracts for Difference (CFDs), which allow you to speculate on price moves without owning the stock. You’ll find a detailed broker comparison further down this page to help you choose the right platform for your needs.
Cash buying
A cash purchase means buying Citigroup shares directly and becoming a shareholder. Your shares are held in your account, entitling you to dividends and voting rights. U.S. brokers typically charge a fixed commission per order, often around $0 to $5 depending on the platform. For example, if Citigroup’s stock is priced at $68.14, a $1,000 investment lets you buy approximately 14 shares (14 × $68.14 = $954), accounting for about a $5 brokerage fee.
Gain scenario example
Gain scenario: If Citigroup’s share price rises by 10%, your 14 shares would be worth $1,100 in total.
Result: +$100 gross gain, representing a 10% return on your investment.
Trading via CFD
Trading Citigroup shares via CFD (Contract for Difference) enables you to speculate on price movements without owning the underlying stock. CFD brokers typically charge a spread (the difference between buy and sell prices) and may apply overnight financing fees if holding positions beyond a trading day. For instance, with $1,000 and 5x leverage, you could open a CFD position with $5,000 exposure to Citigroup stock.
Gain scenario example
Gain scenario: If the share price rises by 8%, your position gains 8% × 5 = 40%.
Result: You’d make a $400 gain on your initial $1,000 investment (excluding fees and interest charges).
Final advice
Before investing, it’s vital to compare brokers’ commissions, spreads, and conditions to find the best fit for your strategy. Your choice between spot buying and CFDs should reflect your goals, risk appetite, and trading style. Explore our full broker comparison further down the page to make a well-informed decision that suits your investment ambitions.
Is eToro reliable?
Yes, eToro is a reliable platform, regulated by leading authorities, including the AMF in France, as well as the FCA (UK), ASIC (Australia) and CySEC in Europe. With over 30 million users worldwide, eToro is widely recognized for its security and transparency. Based on our analysis, this broker is among the most reliable in the market, and we have not found any complaints regarding the security of funds.
Why choose eToro?
With eToro, you don’t need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while investing.
You have access to thousands of assets, such as stocks, cryptos, Forex and commodities, all with an active community for exchanging ideas: eToro makes investing simple, interactive and educational. It's a bit like the Spotify of investing.
What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of stocks or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposits are free, and withdrawals are set at $5. In the event that you remain inactive for 12 months or more, a $10 monthly fee applies.
Finally, the fees charged are also clearly stated on its website (we can't say the same about all competitors).
Who is eToro for?
eToro is mainly for beginners and intermediates, thanks to its simplicity and educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
Is it easy to withdraw your money from eToro?
Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step-by-step, ensuring you have permanent access to your funds. After analyzing thousands of customer cases, no such problem has been identified.
Is eToro reliable?
Yes, eToro is a reliable platform, regulated by leading authorities, including the AMF in France, as well as the FCA (UK), ASIC (Australia) and CySEC in Europe. With over 30 million users worldwide, eToro is widely recognized for its security and transparency. Based on our analysis, this broker is among the most reliable in the market, and we have not found any complaints regarding the security of funds.
Why choose eToro?
With eToro, you don’t need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while investing.
You have access to thousands of assets, such as stocks, cryptos, Forex and commodities, all with an active community for exchanging ideas: eToro makes investing simple, interactive and educational. It's a bit like the Spotify of investing.
What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of stocks or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposits are free, and withdrawals are set at $5. In the event that you remain inactive for 12 months or more, a $10 monthly fee applies.
Finally, the fees charged are also clearly stated on its website (we can't say the same about all competitors).
Who is eToro for?
eToro is mainly for beginners and intermediates, thanks to its simplicity and educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
Is it easy to withdraw your money from eToro?
Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step-by-step, ensuring you have permanent access to your funds. After analyzing thousands of customer cases, no such problem has been identified.
Is IG reliable?
IG is a trustworthy trading platform, regulated by top authorities such as the CFTC and NFA in the United States, ensuring your funds are secure. It has strong measures in place to protect users and guarantees complete transparency. Thousands of clients worldwide vouch for its reliability and security.
Why choose IG?
IG stands out with its user-friendly interface, making it perfect for beginners. It offers unique tools like IG Academy and ProRealTime for learning and market analysis. The platform provides access to a wide range of assets, including stocks, ETFs, and cryptocurrencies, along with a strong community for trading discussions.
What are the fees at IG?
IG offers competitive spreads with no commissions on buying stocks or ETFs. Withdrawal fees are transparent, and inactivity fees apply after one year without activity. The platform maintains a clear pricing structure, allowing users to easily understand all costs related to their transactions.
Who is IG for?
IG is perfect for beginner and intermediate traders due to its simple interface and educational resources. It also caters to experienced investors with advanced trading tools. Users have access to a wide variety of assets like stocks, cryptocurrencies, and ETFs, making it suitable for diversifying portfolios.
Is it easy to withdraw money from IG?
Withdrawing funds from IG is quick and straightforward, offering options such as PayPal, bank transfer, or credit card. Processing times are usually 1 to 3 business days. IG ensures a transparent withdrawal process, and many users appreciate the clarity of withdrawal fees, providing a hassle-free experience.
Is IG reliable?
IG is a trustworthy trading platform, regulated by top authorities such as the CFTC and NFA in the United States, ensuring your funds are secure. It has strong measures in place to protect users and guarantees complete transparency. Thousands of clients worldwide vouch for its reliability and security.
Why choose IG?
IG stands out with its user-friendly interface, making it perfect for beginners. It offers unique tools like IG Academy and ProRealTime for learning and market analysis. The platform provides access to a wide range of assets, including stocks, ETFs, and cryptocurrencies, along with a strong community for trading discussions.
What are the fees at IG?
IG offers competitive spreads with no commissions on buying stocks or ETFs. Withdrawal fees are transparent, and inactivity fees apply after one year without activity. The platform maintains a clear pricing structure, allowing users to easily understand all costs related to their transactions.
Who is IG for?
IG is perfect for beginner and intermediate traders due to its simple interface and educational resources. It also caters to experienced investors with advanced trading tools. Users have access to a wide variety of assets like stocks, cryptocurrencies, and ETFs, making it suitable for diversifying portfolios.
Is it easy to withdraw money from IG?
Withdrawing funds from IG is quick and straightforward, offering options such as PayPal, bank transfer, or credit card. Processing times are usually 1 to 3 business days. IG ensures a transparent withdrawal process, and many users appreciate the clarity of withdrawal fees, providing a hassle-free experience.
Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions, starting with the AMF in France, but also the Central Bank of Ireland, ASIC (Australia) and the FSA (Japan). Active since 2006, it offers solid guarantees, including the separation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don't need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when you pay.
Who is AvaTrade for?
AvaTrade is for everyone: beginners can benefit from detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you're looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is a great choice.
Is it easy to withdraw money from AvaTrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfer or electronic wallets. Everything is designed to offer you fast, clear and secure access.
Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions, starting with the AMF in France, but also the Central Bank of Ireland, ASIC (Australia) and the FSA (Japan). Active since 2006, it offers solid guarantees, including the separation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don't need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when you pay.
Who is AvaTrade for?
AvaTrade is for everyone: beginners can benefit from detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you're looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is a great choice.
Is it easy to withdraw money from AvaTrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfer or electronic wallets. Everything is designed to offer you fast, clear and secure access.
Our 7 tips for buying Citigroup stock
| Step | Specific tip for Citigroup |
|---|---|
| Analyze the market | Review Citigroup’s financial health, focusing on its strong Q1 2025 results, diversified business model, and analyst upside potential of +23% for an informed investment decision. |
| Choose the right trading platform | Select a U.S.-based brokerage that provides seamless access to NYSE-listed stocks, low trading commissions, and integration with tax-advantaged accounts for cost-effective Citigroup share purchases. |
| Define your investment budget | Decide how much to invest in Citigroup by considering its moderate volatility, attractive 3.29% dividend yield, and the importance of diversifying your portfolio across different sectors and asset classes. |
| Choose a strategy (short or long term) | Consider a long-term approach to benefit from Citigroup’s ongoing transformation, improving capital returns, and global business growth, while also allowing for dividend reinvestment. |
| Monitor news and financial results | Stay updated on Citigroup’s quarterly earnings, developments in its organizational transformation, new leadership appointments, and global economic news that could impact banking sector performance. |
| Use risk management tools | Protect your investment by setting stop-loss and limit orders, especially around key support ($67.89) and resistance ($69.79) levels identified in Citigroup’s technical analysis. |
| Sell at the right time | Plan your exit by evaluating when Citigroup’s share price approaches resistance levels or major financial announcements, or when your investment goals and portfolio allocation require a rebalance. |
The latest news about Citigroup
Citigroup’s Q1 2025 earnings beat raised confidence, with EPS up 24% and revenue up 3% year-over-year. On April 15, Citigroup reported first-quarter results that exceeded analyst expectations, posting an EPS of $1.96 (vs. $1.84 estimate) and revenue of $21.6 billion (vs. $21.29 billion estimate). The robust growth was broadly based, with significant improvements in net income (+21% YoY), wealth management revenue (+24%), and investment banking advisory fees (+84%). The bank also returned $2.8 billion to shareholders through dividends and share repurchases, indicating strong capital management and reinforcing the appeal of its 3.29% dividend yield for U.S. investors.
Citigroup’s share price remains resilient in 2025, outperforming major U.S. banks over the past twelve months. While the stock experienced a slight weekly decline of 0.42%, it has nonetheless delivered a positive 11.07% return over the last year, handily outpacing the broader financial sector. Its price-to-book ratio stands at an attractive 0.66, which, along with a forward P/E of 9.27, signals potential undervaluation relative to peers. Analysts have set a consensus target of $83.70—about 23% above current levels—reflecting constructive sentiment around Citigroup’s ongoing transformation and earnings momentum.
Wealth management and U.S. personal banking operations are delivering double-digit revenue gains, strengthening Citigroup’s competitive position domestically. In Q1 2025, wealth management revenues grew by 24% and client investment assets expanded by 16%, indicating heightened engagement from U.S. retail and affluent clients. Personal banking revenues also increased by 2% year-over-year. These results underscore the impact of Citigroup’s investment in digital platforms and targeted client acquisition across segments such as Citigold and the Private Bank, positioning the group for further growth in the U.S. financial services market.
Market share gains and trading strength highlight Citigroup’s leadership in dollar clearing and capital markets. Treasury and Trade Solutions posted an 8% increase in U.S. dollar clearing volumes and a 5% rise in cross-border transaction values, while equity markets revenue surged by 23%. These metrics point to a robust franchise effect, as Citigroup leverages its global network to drive growth and win large institutional clients, particularly in areas critical to the U.S. economy such as international payments, corporate banking, and capital markets.
A solid capital position and strategic transformation reinforce Citigroup’s resilience amid regulatory and macroeconomic changes. With a preliminary Common Equity Tier 1 (CET1) capital ratio of 13.4% and a supplementary leverage ratio of 5.8%, Citigroup is comfortably above regulatory minimums, supporting both shareholder returns and lending capacity to the U.S. market. Recent leadership moves, such as appointing Robert Lighthizer as advisor, and continued execution on the five-business transformation strategy, signal management’s focus on simplification, risk reduction, and long-term value creation for American investors.
FAQ
What is the latest dividend for Citigroup stock?
Citigroup currently pays a quarterly dividend of $0.56 per share, amounting to $2.24 annually. The most recent ex-dividend date is May 5, 2025. With a strong dividend yield, Citigroup has a consistent history of returning capital to shareholders, including substantial share repurchases alongside dividends. The company’s policy reflects its robust capital position and commitment to delivering shareholder value over the long term.
What is the forecast for Citigroup stock in 2025, 2026, and 2027?
Based on the latest share price of $68.14, projected values are $88.58 by the end of 2025, $102.21 by the end of 2026, and $136.28 by the end of 2027. Citigroup is benefiting from strong financial performance and growth in its Markets and Wealth Management segments. Many analysts continue to see upside potential, underpinned by solid fundamentals and an appealing valuation.
Should I sell my Citigroup shares?
Holding on to Citigroup shares may be a prudent choice for long-term investors. The stock is trading at a price-to-earnings and price-to-book ratio below industry averages, suggesting attractive valuation. Citigroup’s diversified business model, continued earnings growth, and strategic transformation are reinforcing its resilience and potential for capital appreciation. Given recent financial results and industry trends, maintaining your position could align well with a long-term investment outlook.
How are dividends and capital gains from Citigroup stock taxed in the United States?
For U.S. investors, dividends from Citigroup are generally considered qualified dividends, taxed at favorable capital gains rates if holding period requirements are met. Capital gains are subject to short- or long-term tax rates depending on how long you hold the shares. Additionally, Citigroup stock can be held within tax-advantaged accounts like IRAs and 401(k)s, which can defer or eliminate taxes on dividends and gains, depending on the account type.
What is the latest dividend for Citigroup stock?
Citigroup currently pays a quarterly dividend of $0.56 per share, amounting to $2.24 annually. The most recent ex-dividend date is May 5, 2025. With a strong dividend yield, Citigroup has a consistent history of returning capital to shareholders, including substantial share repurchases alongside dividends. The company’s policy reflects its robust capital position and commitment to delivering shareholder value over the long term.
What is the forecast for Citigroup stock in 2025, 2026, and 2027?
Based on the latest share price of $68.14, projected values are $88.58 by the end of 2025, $102.21 by the end of 2026, and $136.28 by the end of 2027. Citigroup is benefiting from strong financial performance and growth in its Markets and Wealth Management segments. Many analysts continue to see upside potential, underpinned by solid fundamentals and an appealing valuation.
Should I sell my Citigroup shares?
Holding on to Citigroup shares may be a prudent choice for long-term investors. The stock is trading at a price-to-earnings and price-to-book ratio below industry averages, suggesting attractive valuation. Citigroup’s diversified business model, continued earnings growth, and strategic transformation are reinforcing its resilience and potential for capital appreciation. Given recent financial results and industry trends, maintaining your position could align well with a long-term investment outlook.
How are dividends and capital gains from Citigroup stock taxed in the United States?
For U.S. investors, dividends from Citigroup are generally considered qualified dividends, taxed at favorable capital gains rates if holding period requirements are met. Capital gains are subject to short- or long-term tax rates depending on how long you hold the shares. Additionally, Citigroup stock can be held within tax-advantaged accounts like IRAs and 401(k)s, which can defer or eliminate taxes on dividends and gains, depending on the account type.
