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C stock verdict - Growth

C
Citigroup, Inc.
GROWTHFinancial Services
$132.19 Watch (wait for dip)
$132.19
Heavy$92.21Buy$122.94Fair$153.68Exit$184.41
FUNDAMENTAL66
TECHNICAL42
TRUST SCORE
78High
confidence in this read — data completeness, earnings quality & coverage
Neutral · EMA20 135.05 · EMA50 133.82 · EMA200 118.84 · RSI 43.6 · MACD below signal
PROS
  • Attractive trailing P/E of 14.3× (earnings yield 7.0%)
  • Stock is trading at 1.05 times its book value
  • TTM EPS grew 37.0% year-over-year
  • Balance sheet holds net cash (cash exceeds total debt)
CONS
  • Earnings weakly cash-backed — operating cash flow is only -519% of net income
  • Receivables growing 17pp faster than sales — watch for aggressive revenue recognition
  • Company has a low return on equity of 6.9% (TTM)
  • Burns cash — free cash flow is negative
✳ 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 -519% of net income — profit isn't well cash-backed
✓Low accruals — reported profit tracks the cash actually generated
⚠Receivables growing 17pp faster than sales — watch for aggressive revenue recognition
SECTOR PEERS
JPM
GROWTH
Fund 75/100
MA
AVOID
Fund 52/100
V
AVOID
Fund 57/100
Analysis as of 2026-07-27 · price live, fundamentals from latest filings

FAQ

Why is C rated Growth?

C (Citigroup, Inc.) is rated Growth because the model combines fundamentals, price action, and earnings-quality checks. The current signal is Watch (wait for dip). Attractive trailing P/E of 14.3× (earnings yield 7.0%) and Stock is trading at 1.05 times its book value

Is C overvalued right now?

C is trading at $132.19 versus an estimated fair value of $153.68. That puts the stock in growth territory on this framework. Earnings weakly cash-backed — operating cash flow is only -519% of net income and Receivables growing 17pp faster than sales — watch for aggressive revenue recognition

What should I watch before acting on C?

Watch the trust score of 78, the earnings-quality checks, and any red flags. Earnings weakly cash-backed — operating cash flow is only -519% of net income and Receivables growing 17pp faster than sales — watch for aggressive revenue recognition

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