Should I buy Citigroup stock in 2025?
Is it the right time to buy Citigroup?
ScoreCitigroup Inc. (C), one of the world’s largest and most diversified financial institutions, is currently trading at approximately $88.37 per share, with an average daily trading volume exceeding 13 million shares. Citigroup has posted a robust 37% gain over the past year, outperforming many peers in the US banking sector. Recent highlights include the launch of a $20 billion share repurchase program over multiple years and an increase in the quarterly dividend to $0.60 per share, both reflecting solid capital strength and confidence in future earnings. The company’s ongoing multi-year transformation plan under CEO Jane Fraser, successful passage of the latest Federal Reserve stress tests, and renewed organizational efficiency goals continue to bolster investor sentiment. While elevated credit costs have recently tempered net profits, Citigroup's diverse global presence and leadership in markets and treasury services position it well for continued growth, particularly as structural reforms begin to pay off. In the context of a resilient US banking sector showing cautious optimism, the consensus among 12 major national and international banks sets a target price of $115, suggesting further upside potential in the months ahead.
- ✅Strong dividend yield at 2.5% with recent increase approved.
- ✅Aggressive $20 billion share repurchase program underway.
- ✅Global diversification across institutional and emerging markets.
- ✅Leadership restructuring driving organizational efficiency.
- ✅Resilience demonstrated by passing recent Federal Reserve stress tests.
- ❌Ongoing regulatory consent orders may constrain some operations.
- ❌Earnings sensitive to interest rate fluctuations and macro conditions.
Score- ✅Strong dividend yield at 2.5% with recent increase approved.
- ✅Aggressive $20 billion share repurchase program underway.
- ✅Global diversification across institutional and emerging markets.
- ✅Leadership restructuring driving organizational efficiency.
- ✅Resilience demonstrated by passing recent Federal Reserve stress tests.
Is it the right time to buy Citigroup?
- ✅Strong dividend yield at 2.5% with recent increase approved.
- ✅Aggressive $20 billion share repurchase program underway.
- ✅Global diversification across institutional and emerging markets.
- ✅Leadership restructuring driving organizational efficiency.
- ✅Resilience demonstrated by passing recent Federal Reserve stress tests.
- ❌Ongoing regulatory consent orders may constrain some operations.
- ❌Earnings sensitive to interest rate fluctuations and macro conditions.
Score- ✅Strong dividend yield at 2.5% with recent increase approved.
- ✅Aggressive $20 billion share repurchase program underway.
- ✅Global diversification across institutional and emerging markets.
- ✅Leadership restructuring driving organizational efficiency.
- ✅Resilience demonstrated by passing recent Federal Reserve stress tests.
- What is Citigroup?
- The Price of Citigroup Stock
- Our full analysis of the Citigroup stock
- How to buy Citigroup stock in the US?
- Our 7 tips for buying Citigroup stock
- The latest news about Citigroup
- FAQ
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At HelloSafe, our expert has been tracking Citigroup's performance for over three years. Every month, hundreds of thousands of users in the US trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Citigroup.
What is Citigroup?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United States | Citigroup is a major US-based bank with global reach. |
| 💼 Market | NYSE | Listed on the New York Stock Exchange (NYSE), USD. |
| 🏛️ ISIN code | US1729674242 | Internationally recognized identifier for Citigroup stock. |
| 👤 CEO | Jane Fraser | She leads key restructuring and modernization efforts. |
| 🏢 Market cap | $165.15 billion | Strong market cap reflects Citigroup's sector strength. |
| 📈 Revenue | $71.82 billion (2024, trailing) | Robust revenue, but growth faces competition and rates. |
| 💹 EBITDA | $23.36 billion (2024, estimated) | Solid operating profit base, supporting dividends. |
| 📊 P/E Ratio (Price/Earnings) | 13.97 | Attractive valuation, offers upside amid restructuring. |
The Price of Citigroup Stock
The price of Citigroup stock is rising this week. Currently, Citigroup shares trade at $88.37, with a 24-hour increase of 1.88% and a weekly gain of 4.75%. The company’s market capitalization stands at $165.15 billion and the average three-month trading volume is 13,074,845 shares. Citigroup shows a Price/Earnings Ratio of 13.97, a dividend yield of 2.53%, and a stock beta of 1.33. With its strong upward momentum, investors should be aware that Citigroup’s stock tends to display above-average volatility.
Our full analysis of the Citigroup stock
We have thoroughly reviewed Citigroup’s latest financial results and analyzed the stock’s performance dynamics over the past three years. Leveraging proprietary models, we synthesized financial metrics, technical signals, sector data, and competitor benchmarking to provide a robust, data-driven assessment. So, why might Citigroup stock once again become a strategic entry point into the US financial sector in 2025?
Recent performance and market context
In recent months, Citigroup stock has experienced a remarkable upward trajectory, climbing 24.47% over the last six months and achieving a notable 37.10% annual return, outpacing many industry peers. The current price stands at $88.37, very near its 52-week high, with a positive 4.75% gain this past week and a strong intraday momentum (+1.88%). This impressive momentum is supported by a series of favorable developments, including the announcement of a $20 billion stock buyback program, an increase in the quarterly dividend to $0.60 per share, and robust Q3 2024 revenues of $20.3 billion.
The macroeconomic backdrop further supports Citigroup's prospects. As the Federal Reserve maintains a cautious but stabilizing approach to interest rates, large banks with extensive institutional businesses like Citigroup are poised to capitalize on continuing global economic recovery, increased capital flows, and improved liquidity conditions. Citigroup’s ongoing transformation under CEO Jane Fraser notably positions the bank to benefit from renewed sector growth and evolving regulatory requirements.
Technical analysis
From a technical perspective, Citigroup displays clear bullish signals. The Relative Strength Index (RSI) is currently elevated at 81.68, indicating exceptional momentum and investor interest. While this suggests some overbought conditions, it also highlights the stock’s strong demand. The Moving Average Convergence Divergence (MACD) is positive at 3.00, and all key moving averages (5-, 20-, 50-, and 200-day) are trending upward with sustained buy signals. Recent price action confirmed a breakout above the crucial $85.00 support, and the stock has notched nine consecutive days of gains—an unequivocal sign of sustained buyer conviction. The main resistance stands at $90.00, offering near-term technical clarity and a potential target for trend continuation.
Fundamental analysis
Fundamentally, Citigroup demonstrates considerable strength. Annual revenues reached $71.82 billion in 2024, underpinned by resilient institutional business lines and continued expansion in emerging markets. Net income reached $12.16 billion, while the bank’s annual EPS stands at $6.33. Importantly, Citigroup’s Price/Earnings (P/E) ratio of 13.97 is notably attractive compared to historical sector norms and US bank peers, highlighting comparative undervaluation and overlooked upside. The forward P/E ratio of 11.51 further underscores compelling value for new money.
Strategically, Citigroup continues to drive operational efficiency and profitability via a $1 billion restructuring initiative, digital transformation, and a sharpened focus on cost management. The company’s robust return on equity (ROE) of 6.44% and an industry-leading operating margin of 25.02% speak to disciplined capital allocation. Citigroup’s diversified portfolio—including investment banking, treasury and trade solutions, and emerging market expertise—strengthens its competitive moat. Additionally, its 2.53% dividend yield and recent increase in shareholder distributions serve as tangible evidence of management’s confidence in the bank’s earnings power.
Key structural advantages further differentiate Citigroup:
- Recognized leadership as the first major US bank led by a woman (Jane Fraser).
- Expanding presence in fast-growing international markets.
- Broad diversification across financial products, reducing single-market risk.
- Strong franchise in institutional services, global markets, and FX trading.
Volume and liquidity
Citigroup continues to reflect high investor confidence, as evidenced by its average daily trading volume of 13,074,845 shares. This liquidity—combined with a large institutional float (over 80% institutional ownership)—ensures efficient price discovery and immediate marketability, reducing transaction risk for new entrants and supporting dynamic valuation. With a $165.15 billion market capitalization, the stock remains both highly visible and actively followed by analysts and investors globally.
Catalysts and positive outlook
Looking forward, multiple catalysts may ignite further upside:
- Execution of a $20 billion buyback program, directly accretive to earnings per share and shareholder value.
- The ongoing $1 billion productivity drive led by Jane Fraser, focused on digital innovation, process modernization, and organizational streamlining.
- Continued expansion in high-growth emerging markets and a leading position in institutional global banking.
- Increased regulatory clarity following successful Fed stress tests, paving the way for enhanced capital returns.
- Ongoing global economic recovery, increased demand for cross-border financial services, and a favorable rate environment enabling growth in net interest margins.
Additional supportive factors include Citigroup’s adoption of advanced technology in risk management, commitments to ESG (Environmental, Social, and Governance) practices, and strategic investments in next-generation digital banking services. Collectively, these initiatives position the company as a future-ready institution poised to capture new profit pools across diverse market cycles.
Investment strategies
For investors considering exposure to Citigroup, several strategies merit attention depending on investment horizon and risk tolerance:
Short-term (tactical):
- Entry after confirmation of support above $85.00 can take advantage of rapid technical momentum and possible breakouts toward the $90.00 resistance.
- Swing traders may capitalize on unusually strong volume, technical reversals, or near-term news catalysts such as earnings or buyback announcements.
Medium-term:
- Taking positions ahead of major catalyst events—such as quarterly earnings releases or regulatory updates—can allow investors to benefit from earnings surprises, upward guidance revisions, or sector rotation.
- Given the stock’s forward P/E and rising EPS, medium-term investors may find renewed value as the restructuring takes full effect.
Long-term (strategic):
- For portfolio builders, Citigroup’s combination of robust dividend yield, sustained buybacks, and expansion in growth markets offers the ingredients for compound capital appreciation.
- The company’s relentless focus on technology, innovation, and operational efficiency supports a long-term “buy and hold” approach, especially as global banking demands continue to evolve.
- The attractive valuation metrics suggest that patient investors could be rewarded as the current discount to book value closes and ROE improves with restructuring tailwinds.
Is it the right time to buy Citigroup?
Taking a holistic view, Citigroup checks every box for a bullish thesis in mid-2025. From its impressive recent price performance and robust technical setup to its compelling valuation and clear roadmap for growth, the fundamentals justify renewed interest from both institutional and retail investors. The company’s ongoing transformation, significant buyback commitment, and strong market positions combine to offer an appealing risk/reward profile rarely seen among global financial giants.
For investors seeking exposure to large-cap US financials, Citigroup stands out as a stock that may be entering a new bullish phase. With visible catalysts on the horizon and a solid foundation for sustainable profitability, now seems to represent an excellent opportunity to take a serious look at Citigroup as a potential portfolio cornerstone. For those prepared to monitor key levels and events, Citigroup’s powerful mix of liquidity, value, and strategic momentum makes it difficult to ignore at these levels.
How to buy Citigroup stock in the US?
Buying Citigroup stock online is both simple and secure when using a regulated US broker. You can purchase shares outright (spot buying) or use Contracts for Difference (CFDs) to speculate on price movements with leverage. Spot buying makes you a direct shareholder, while CFDs offer flexibility and the potential for higher gains, but with more risk. Each method suits different investor goals; you’ll find a detailed broker comparison further down the page to help you make your choice.
Spot buying
A cash purchase (spot buying) means buying actual Citigroup shares, making you an owner with voting rights and potential dividend payouts. US brokers typically charge a fixed commission per trade, often around $5 per order.
Gain scenario:
If the Citigroup share price is $88.37, you can buy around 11 shares with a $1,000 stake, including a brokerage fee of around $5.
If the share price rises by 10%, your shares are now worth $1,100.
Result: +$100 gross gain, i.e. +10% on your investment.
This approach lets you benefit fully from long-term growth and dividends, making it a popular choice for buy-and-hold investors.
Trading via CFD
CFD trading on Citigroup shares allows you to speculate on price movements without owning the actual shares. With CFDs, you pay a spread (the difference between buy/sell price) and, for positions held overnight, a small financing cost—especially when using leverage.
CFD Gain Scenario with Leverage
You open a CFD position on Citigroup shares, with 5x leverage.
This gives you a market exposure of $5,000 with a $1,000 stake.
If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a bet of $1,000 (excluding fees).
CFDs let you amplify gains, but note that losses can also be magnified. They’re suited for more active traders seeking flexibility and short-term opportunities.
Final advice
Before buying Citigroup stock, it’s important to compare the fees and conditions offered by different brokers—some focus on low commissions, others on advanced tools or top-notch service. Think about your investment goals: spot buying is ideal for long-term wealth building, while CFDs cater to short-term traders seeking leverage. A detailed broker comparison is available further down this page to help you make the best choice for your needs.
Check out the USA's best brokers!Compare brokersOur 7 tips for buying Citigroup stock
| 📊 Step | 📝 Specific tip for Citigroup |
|---|---|
| Analyze the market | Review trends in US and global banking, paying attention to how interest rates affect Citigroup earnings. |
| Choose the right trading platform | Select a US broker offering NYSE access, low fees, and real-time data for optimal Citigroup investing. |
| Define your investment budget | Set a clear limit for your Citigroup allocation, considering its moderate volatility and sector exposure. |
| Choose a strategy (short or long term) | Consider holding Citigroup for the long term to benefit from its digital transformation and dividend increases. |
| Monitor news and financial results | Track Citigroup’s quarterly earnings, dividend announcements, and restructuring updates for timely decisions. |
| Use risk management tools | Use stop-loss orders or diversification to manage exposure to Citigroup’s stock price swings. |
| Sell at the right time | Take profits after sustained rallies or before key earnings to lock in gains on Citigroup positions. |
The latest news about Citigroup
Citigroup stock surged over 4% this week, reaching a new 52-week high near $88.50. This strong upward movement follows a nine-day winning streak, positioning Citigroup among the top-performing major US banks and reflecting renewed investor confidence in the sector.
The company successfully crossed the key $85 technical support level for the first time in twelve months. Breaking this threshold has triggered numerous technical buy signals and increased trading volume, drawing interest from both institutional and retail investors amid positive market momentum.
Citigroup raised its quarterly dividend from $0.56 to $0.60 per share, effective with the July payout. The dividend increase underscores Citigroup’s robust capital position and commitment to shareholder value, especially following the recently announced multi-year $20 billion share repurchase program.
Citigroup passed the Federal Reserve’s latest stress tests, clearing the way for higher shareholder returns. This regulatory endorsement confirms the bank’s enduring financial resilience and allows for additional capital distributions, which are key drivers for US-based investors seeking stable yield.
Market sentiment toward Citigroup is currently positive, with analyst consensus maintaining a “Buy” rating. The upward revision of sales and earnings estimates, combined with visible progress in cost efficiency and technological transformation initiatives in the US, supports a constructive outlook for the stock.
FAQ
What is the latest dividend for Citigroup stock?
Citigroup currently pays a quarterly dividend, recently increased to $0.60 per share. The most recent dividend was declared for July 2025. The annualized payment amounts to $2.40 per share, resulting in a yield that remains attractive relative to its US banking peers. Citigroup's ongoing commitment to dividend growth reflects stable capital and strong fundamentals.
What is the forecast for Citigroup stock in 2025, 2026, and 2027?
Based on current valuation, projected prices for Citigroup stock are $114.88 at the end of 2025, $132.55 at the end of 2026, and $176.74 at the end of 2027. These growth expectations align with positive market sentiment and continued transformation under the current management. The financial sector's strong momentum and Citigroup’s global reach provide additional support for this outlook.
Should I sell my Citigroup shares?
Holding your Citigroup shares may be a sensible strategy considering the company’s solid valuation and strong fundamentals. Citigroup has shown resilience, progressing with structural reforms, and offers growing dividends and stock buybacks. Its diversified business and leadership in financial services suggest ongoing long-term value. Given the positive sector dynamics, continued holding appears warranted for mid- to long-term investors.
Are Citigroup shares eligible for US tax-deferred retirement accounts like IRAs and 401(k)s?
Yes, Citigroup stock is eligible for inclusion in IRAs and 401(k) accounts, offering US investors tax-deferred growth on gains and income. Dividends received within such plans are not taxed until withdrawal, subject to the account’s terms. In regular taxable accounts, dividends are typically taxed at the qualified rate.
What is the latest dividend for Citigroup stock?
Citigroup currently pays a quarterly dividend, recently increased to $0.60 per share. The most recent dividend was declared for July 2025. The annualized payment amounts to $2.40 per share, resulting in a yield that remains attractive relative to its US banking peers. Citigroup's ongoing commitment to dividend growth reflects stable capital and strong fundamentals.
What is the forecast for Citigroup stock in 2025, 2026, and 2027?
Based on current valuation, projected prices for Citigroup stock are $114.88 at the end of 2025, $132.55 at the end of 2026, and $176.74 at the end of 2027. These growth expectations align with positive market sentiment and continued transformation under the current management. The financial sector's strong momentum and Citigroup’s global reach provide additional support for this outlook.
Should I sell my Citigroup shares?
Holding your Citigroup shares may be a sensible strategy considering the company’s solid valuation and strong fundamentals. Citigroup has shown resilience, progressing with structural reforms, and offers growing dividends and stock buybacks. Its diversified business and leadership in financial services suggest ongoing long-term value. Given the positive sector dynamics, continued holding appears warranted for mid- to long-term investors.
Are Citigroup shares eligible for US tax-deferred retirement accounts like IRAs and 401(k)s?
Yes, Citigroup stock is eligible for inclusion in IRAs and 401(k) accounts, offering US investors tax-deferred growth on gains and income. Dividends received within such plans are not taxed until withdrawal, subject to the account’s terms. In regular taxable accounts, dividends are typically taxed at the qualified rate.
