Citigroup (C, $66.96) reports a decrease in Q4 earnings
Citigroup posted a sharp drop in earnings for the fourth quarter.
The banking giant’s earnings came in at $1.46 a share, compared to $1.38 expected by analysts polled by Refinitiv.
Revenue of $17 billion also was higher than analysts’ expectations of $16.75 billion expected
The company’s net income plunged -26% to $3.2 billion. Citigroup attributed that to an increase in expenses for a “pre-tax impact” of about $1.2 billion related to the sale of its consumer banking businesses in Asia.
Citi’s global consumer banking business segment experienced a revenue decline of -6% year over year to $6.94 billion. Revenue in the North America region fell by -6% as sales from Citi-branded cards and retail services decreased. Revenue in Asia decreased by -9%, while Latin America revenue declined by -4%. Expenses within the bank’s global banking division rose +33% year-over-year.
The company’ institutional clients group’s revenue increased by 4% to $9.9 billion, on the back of + 18% surge in investment banking. But its fixed income markets revenue fell -20% year over year to $2.5 billion.
For the full-year 2021, Citigroup net income nearly doubled from 2020 to $21.95 billion. However, its revenue decreased by -5% to $71.88 billion.
Momentum Indicator for C turns positive, indicating new upward trend
C saw its Momentum Indicator move above the 0 level on April 17, 2025. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 81 similar instances where the indicator turned positive. In of the 81 cases, the stock moved higher in the following days. The odds of a move higher are at .
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where C's RSI Oscillator exited the oversold zone, of 29 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are .
The Moving Average Convergence Divergence (MACD) for C just turned positive on April 17, 2025. Looking at past instances where C's MACD turned positive, the stock continued to rise in of 45 cases over the following month. The odds of a continued upward trend are .
C moved above its 50-day moving average on May 02, 2025 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for C crossed bullishly above the 50-day moving average on May 07, 2025. This indicates that the trend has shifted higher and could be considered a buy signal. In of 19 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are .
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where C advanced for three days, in of 320 cases, the price rose further within the following month. The odds of a continued upward trend are .
C may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 11 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where C declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .
The Aroon Indicator for C entered a downward trend on April 07, 2025. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.647) is normal, around the industry mean (0.958). C has a moderately high P/E Ratio (15.708) as compared to the industry average of (8.937). C's Projected Growth (PEG Ratio) (18.586) is very high in comparison to the industry average of (2.643). Dividend Yield (0.033) settles around the average of (0.053) among similar stocks. P/S Ratio (1.581) is also within normal values, averaging (2.460).
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 32, placing this stock slightly worse than average.
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating steady price growth. C’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
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General Information
a financial conglomerate
Industry MajorBanks