Citigroup - AI Stock Analysis

Analysis generated October 24, 2025

Citigroup Inc. is a diversified financial services holding company that provides a wide range of financial products and services to consumers, corporations, governments, and institutions. The company operates through various segments including Global Consumer Banking, Institutional Clients Group, and Corporate/Other. With its global footprint, Citigroup aims to meet the evolving needs of its clients through a range of banking, investment, asset management, insurance, and other financial services.

Fundamental Analysis

Revenue for Citigroup in the last quarter was $43.8 billion. This marks a positive sign of growth, as it represents an increase of 3.51% compared to the previous quarter and an increase of 1.11% compared to the same quarter last year. It demonstrates Citigroup's capacity to grow its top-line revenue, albeit at a moderate pace.

Net income for the last quarter came in at $3.75 billion. While this represents a decrease of 6.64% compared to the previous quarter, it shows a robust year-over-year growth of 15.87%. This performance suggests that the company has improved efficiencies or experienced favorable market conditions over the year, despite a recent decline.

EBITDA for the last quarter was $5.35 billion, a decrease of 15.29% compared to the previous quarter and a slight decline of 2.21% compared to the same quarter last year. These decreases may signal potential operational challenges.

The current P/E ratio is 13.53, which is within a normal range, signaling that the stock is neither overvalued nor undervalued by market standards.

Technical Analysis

Today's stock price for Citigroup is $98.78, reflecting a 2.82% decrease from a month ago, suggesting potential short-term concerns. However, the stock has appreciated by 64.88% compared to a year ago, indicating a strong long-term upward trend.

The stock is currently in a bearish trend. The current 10-day Simple Moving Average (SMA10) is 97.66, which is slightly lower than the previous SMA10 of 97.76, suggesting a potential downward movement in price.

The Relative Strength Index (RSI) is at 79, indicating an overbought condition that could signal a bearish reversal in the near future.

Alternative Data Analysis

Citigroup has 4,892 open positions listed on prominent job boards, down by 18% over the past couple of months. This could indicate cost-cutting measures, which might be a red flag for growth.

Employee sentiment at Citigroup stands neutral, reflecting caution among the workforce.

Estimated webpage visitors number 2.1 million, down by 8% in recent months, possibly signaling declining customer interest. On the other hand, the daily download rate for Citigroup's mobile apps stands at 6,700, with no significant change observed.

Citigroup's social media engagement remains relatively stable, with 130,000 Instagram followers and 880,000 Twitter followers, with no substantial increase or decrease noted recently. According to AltIndex's AI score, Citigroup has an AI score of 39, which is a sell signal.

Conclusion and Recommendation

Based on the analysis of Citigroup's fundamentals, technical indicators, and alternative data, it is clear that the company presents a mixed bag of growth signals and areas of concern. Revenue growth is evident, but recent declines in net income and EBITDA are points of caution. Technical indicators suggest potential short-term challenges while indicating a strong long-term trend. Alternative data points show neutral employee sentiment and slight declines in customer engagement and job postings, raising some red flags.

Given the overall analysis, it would be prudent to adopt a cautious stance toward Citigroup. Monitoring the financial performance closely and paying attention to upcoming earnings reports and economic conditions will be essential for making well-informed decisions.

Disclaimer: This AI stock analysis, generated by an experimental AI tool, is for informational purposes only and not financial advice. Information is based on publicly available data and may not always be accurate or current.