Citigroup

C · NYSE

$122.51+$0.82 (+0.67%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $121.69

C analyst rating

BuyConsensus of 17 analysts over the last 12 months. 82% rate it a buy.

Strong buy0
Buy14
Hold3
Underperform0
Sell0

12-month price target · 24 analysts

Average $158.41 (+29.3% upside)

Low: $133.01
Now: $122.51
High: $184.80

Upgrades and downgrades

The latest rating actions, newest first

C analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Evercore ISI Group	Oct 14, 2026	Maintains	In-Line	$140.00 → $135.00	62%
TD Cowen	Oct 14, 2026	Maintains	Buy	$150.00 → $148.00	50%
RBC Capital	Oct 14, 2026	Maintains	Outperform	$150.00 → $135.00	67%
TD Cowen	Oct 8, 2026	Initiates	Buy	$150.00	50%
UBS	Oct 5, 2026	Maintains	Neutral	$142.00 → $139.00	50%
JP Morgan	Oct 2, 2026	Maintains	Overweight	$149.00 → $147.00	46%
Evercore ISI Group	Oct 1, 2026	Maintains	In-Line	$135.00 → $140.00	62%
HSBC	Sep 28, 2026	Maintains	Buy	$161.00 → $164.00	0%
UBS	Aug 3, 2026	Maintains	Neutral	$150.00 → $142.00	50%
Evercore ISI Group	Jul 17, 2026	Maintains	In-Line	$143.00 → $135.00	62%

The case for and against

Updated Oct 18, 2026

Bull case

Citigroup is benefiting from a cleaner, more focused franchise that is now translating its global scale into stronger earnings power, highlighted by 3Q26 revenue of $23.8 billion, up 8% year over year, and EPS of $2.85, up 53%. Its Services engine remains the standout, with revenue up 15% to $6.6 billion, ROTCE of 31.2%, average deposits of $1.04 trillion, and AUC/AUA up 16% to $35.0 trillion, while Banking, Wealth, and U.S. Cards also contributed to growth. Fundamentally, the firm is demonstrating improving operating leverage and capital discipline, with efficiency improving to 58.5%, ROTCE above 11%, tangible book value per share up 6.1%, and $4.1 billion returned to common shareholders.

Bear case

Citigroup is facing a fundamentally fragile earnings mix, with net interest income slipping sequentially to $16.98 billion and net interest margin compressing to 2.43% as lower Markets NII and higher funding costs offset gains elsewhere. Credit costs also remain elevated, as provision for credit losses rose to $2.59 billion and the CET1 ratio stayed at 12.8% but fell 50 basis points year-over-year, reflecting buybacks, dividends, and unrealized losses on available-for-sale securities. Although year-over-year growth in Markets and Services shows operating leverage, the heavy dependence on cyclical capital markets, rising reserve builds, and macro risks tied to higher inflation and policy uncertainty support a negative outlook.

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