C stock verdict - Avoid
C
Citigroup Inc
AVOIDFinancial Services
$134.28
Fundamentals below bar
⚠️ Earnings-multiple levels suppressed — the model fair value is implausibly far above the market price (likely cyclical-peak or one-off earnings). Judge this name manually.
VALUE80
GROWTH35
QUALITY55
TECHNICAL—
TRUST SCORE
76High
confidence in this read — data completeness, earnings quality & coverage
Technicals: insufficient price history
PROS
- Reasonable forward P/E of 10.4× on analyst estimates
- Stock is trading at 1.11 times its book value
- TTM EPS grew 17.7% year-over-year
- Balance sheet holds net cash (cash exceeds total debt)
CONS
- Earnings weakly cash-backed — operating cash flow is only -473% of net income
- Earnings-based fair value is implausible (likely peak or one-off earnings) — the valuation model abstained from price levels
- Company has a low return on equity of 6.7% (TTM)
✳ Pros and cons are machine-generated from the latest fundamentals and technicals.
EARNINGS QUALITY · we check the accounting so you don't have to
⚠Operating cash flow is only -473% of net income — profit isn't well cash-backed
Analysis as of 2026-09-25 · price live, fundamentals from latest filings
Congress Trading — last 90 days
See what senators are buying and selling on C. Sign in to unlock.
📊 Options Flow — Put/Call Ratio
FAQ
Why is C rated Avoid?
C (Citigroup Inc) is rated Avoid because the model combines fundamentals, price action, and earnings-quality checks. The current signal is Fundamentals below bar. Reasonable forward P/E of 10.4× on analyst estimates and Stock is trading at 1.11 times its book value
Why are C's price levels hidden?
The model withheld price levels for C because the earnings anchor looks unreliable or incomplete. The page explicitly flags that the fair-value math should be verified manually.
What should I watch before acting on C?
Watch the trust score of 76, the earnings-quality checks, and any red flags. Earnings weakly cash-backed — operating cash flow is only -473% of net income