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.
C's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for C turned positive on September 11, 2025. Looking at past instances where C's MACD turned positive, the stock continued to rise in of 46 cases over the following month. The odds of a continued upward trend are .
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on August 27, 2025. You may want to consider a long position or call options on C as a result. In of 74 past instances where the momentum indicator moved above 0, the stock continued to climb. 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 328 cases, the price rose further within the following month. The odds of a continued upward trend are .
The Aroon Indicator entered an Uptrend today. In of 308 cases where C Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are .
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 4 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 .
C broke above its upper Bollinger Band on September 11, 2025. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring 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 Price Growth Rating for this company is (best 1 - 100 worst), indicating outstanding 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 Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 28, placing this stock better than average.
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to 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.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is slightly overvalued 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 (0.941) is normal, around the industry mean (1.310). P/E Ratio (14.866) is within average values for comparable stocks, (12.083). Projected Growth (PEG Ratio) (0.857) is also within normal values, averaging (5.511). C has a moderately low Dividend Yield (0.023) as compared to the industry average of (0.042). P/S Ratio (2.274) is also within normal values, averaging (3.403).
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a financial conglomerate
Industry MajorBanks
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