C Stock Analysis: Buy, Sell, or Hold?
C - Citigroup Inc.
$115.71
0.51 (0.44%)
▲
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Apr 14, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: C trading at deep discount. Market pricing in -3.9% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: C trading at deep discount. Market pricing in -3.9% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$216.15
Based on 10.9% avg growth
INTRINSIC VALUE TODAY
$134.21
13.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: C is currently trading at $115.71, which is considered slightly low relative to its 30-day fair value range of $114.45 to $120.57. From a valuation perspective, the stock is trading at a discount (Forward PE: 9.6) compared to its historical average (10.8). Remarkably, the market is currently pricing in an annual earnings decline of 3.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, C is in a strong uptrend. The price is currently testing key support at $112.39. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $132.77 (+15.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, C is in a strong uptrend. The price is currently testing key support at $112.39. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $132.77 (+15.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$114.45 -
$120.57
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($132.77)
Fair Price Analysis
30-Day Fair Range
$114.45 -
$120.57
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$112.39
Resistance Level
$119.35
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.59
Wall Street Target
$132.77
(+15.3%)
Revenue Growth (YoY)
3.7%
Earnings Growth (YoY)
-10.8%
Profit Margin
18.9%
Valuation Discount vs History
-3.9% cheaper
PE vs Historical
9.6 vs 10.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.9%
(market-implied from PE analysis)
1-Year Target
$110.71
(-4%)
2-Year Target
$106.39
(-8%)
3-Year Target
$102.24
(-11%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$115.16
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 17.7%)
$437.28
(+280%)
Base:
(SPY PE: 9.6, Growth: 17.7%)
$188.01
(+63%)
Bear:
(PE: 8.1, Growth: 17.7%)
$159.81
(+39%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 16.42 | Current EPS (TTM): $6.99
Bull Case
$217.04
(+88%)
Analyst growth 71.9%, PE expands to 18.1
Base Case
$197.31
(+71%)
Market implied 71.9%, PE stable at 16.4
Bear Case
$78.06
(-32%)
Severe decline -20.0%, PE contracts to 14.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.6 to 10.8
Stabilization Target:
$129.76
(+12.6%)
PE Expansion Potential:
+12.6%
Last updated: January 30, 2026 4:11 PM ET
Data refreshes hourly during market hours. Next update: 5:11 PM
Data refreshes hourly during market hours. Next update: 5:11 PM
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Technical Signals Check
Is C showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Michael T. McCaul
SELL
2025-08-22
Adam Smith
SELL
2025-08-08
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