Citigroup stock today: price snapshot as of 30 November 2025
As markets head into the final stretch of 2025, Citigroup Inc. (NYSE: C) stock is sitting near its 52‑week highs and firmly back on the radar of both Wall Street analysts and big institutional investors.
Citigroup last closed at about $103.84 per share on 28 November 2025, giving the bank a market capitalization of roughly $186 billion and putting it within a couple of dollars of its recent high around $105.59. The shares have climbed from a 52‑week low near $55.51, reflecting a powerful rerating over the past year. At that price the stock trades at a price-to-earnings (P/E) ratio of about 14.6, a price-to-book (P/B) ratio just under 1, and a dividend yield around 2.3%. [1]
Short interest is modest, with roughly 1.4% of the float sold short and a “days to cover” ratio a bit above two days – not the sort of setup that screams overcrowded bearishness. [2]
In performance terms, Citigroup has sharply outpaced the broader U.S. market and much of the financial sector in 2025, with year‑to‑date gains in the mid‑40s to high‑40s percent range depending on the exact start date you pick. [3]
Wall Street view: ‘Moderate Buy’ with a tight cluster of price targets
Fresh data published on 30 November shows that 18 research firms now cover Citigroup, and the average view is a “Moderate Buy”. Of those, 11 rate the stock a Buy and 7 a Hold; none of the tracked brokers currently carry a Sell rating. [4]
The average 12‑month price target sits around $108.70, implying low‑to‑mid single‑digit upside from recent levels. Several well‑known banks have nudged their targets higher in recent weeks:
- Keefe, Bruyette & Woods lifted its target to $118 with an “outperform” rating.
- Goldman Sachs reiterated a $118 target and a buy rating.
- Piper Sandler, TD Cowen and Barclays all raised targets into the $110‑plus zone, with a mix of “overweight” and “hold” stances. [5]
On the numbers side, consensus expectations call for full‑year 2025 earnings of roughly $7.5–$7.6 per share and revenue around the mid‑$80 billions, with further earnings growth projected for 2026. That leaves Citigroup trading at a forward P/E in the low‑teens and a price/earnings‑to‑growth (PEG) ratio well below 1, which many fundamental investors treat as a sign of undervaluation if growth actually materializes. [6]
The punchline: analysts are positive but not euphoric. The consensus message is closer to “solid, reasonably priced turnaround story” than “explosive growth rocket”.
Big money moves: institutional investors keep adding to C
One of the most notable headlines on 30 November is a new 13F filing from American Century Companies Inc. The fund manager boosted its Citigroup position by 8.8% in Q2, adding 32,684 shares to bring its stake to 403,385 shares, worth about $34.3 million at the time of filing. [7]
The same filing – and related ownership data – highlight that roughly 71.7% of Citigroup’s shares are now held by institutional investors and hedge funds, including firms such as US Bancorp DE, Brighton Jones, Harbour Investments and other wealth managers that have been incrementally raising their positions over the past few quarters. [8]
Taken together with earlier filings from European asset manager Groupama and others, the pattern is clear: large, professional investors have been steadily leaning into Citigroup as the turnaround under CEO Jane Fraser gains traction, even if many are doing it in quiet, portfolio‑tweaking increments rather than sweeping, dramatic bets. [9]
Earnings momentum and restructuring: Q3 beat, Mexico drag and a new CFO incoming
Citigroup’s current stock story really begins with its third‑quarter 2025 results, released on 14 October. The bank delivered:
- Earnings per share (EPS) of $2.24, well ahead of consensus estimates near $1.90.
- Revenue of about $22.1 billion, up roughly 9% year over year, with record revenue reported across several major units.
- A net income increase of around 16% despite a sizeable loss tied to the partial sale of its Banamex business in Mexico. [10]
Trading, services and U.S. personal banking all showed strong growth, while the Mexico transaction served as a reminder that Citi is still shedding legacy assets even as it tries to simplify its global footprint. Regulators’ 2020 consent orders on risk and data controls remain a key backdrop; management has emphasized that recent quarters show progress toward the bank’s mid‑teens return targets once the restructuring is further along. [11]
On 20 November, Citi added another layer to the transformation story by announcing a CFO transition and a reshaping of its U.S. personal banking structure:
- Long‑time CFO Mark Mason will remain in the role until early March 2026, then move to Executive Vice Chair and Senior Executive Advisor to CEO Jane Fraser.
- Gonzalo Luchetti, currently head of U.S. Personal Banking, will become the new CFO.
- Citi will fold its U.S. retail bank and Citigold business into its wealth management franchise, while U.S. consumer cards becomes a standalone unit. [12]
Analysts see this as both a succession and simplification move, aiming to tilt the business mix toward higher‑return wealth activities and to make the credit‑card franchise easier to benchmark against peers.
Dividend check: recent payout and yield
Income‑focused investors got a fresh confirmation of Citi’s capital‑return stance in October, when the board declared a quarterly dividend of $0.60 per share on the common stock, payable 26 November 2025 to shareholders of record as of 3 November. That annualizes to $2.40 per share, or roughly a 2.3% yield at recent prices. [13]
With a dividend payout ratio around one‑third of earnings and consensus forecasts pointing to earnings growth next year, most analysts classify the payout as comfortably covered and potentially able to grow over time if the restructuring delivers the higher returns Citi is targeting. [14]
Digital assets and 24/7 payments: Citi Token Services and the Swift trial
Under the surface, part of the bullish case for Citigroup stock is that this is not just a cost‑cutting story – it’s also a technology and infrastructure story.
Two recent developments in digital assets and payments are particularly relevant:
- Citi Token Services expansion
- Earlier in November, Citi announced a strategic expansion of Citi Token Services (CTS), integrating euro transactions and extending the platform to Dublin.
- The service now enables clients to move USD and EUR 24/7 between accounts and to third‑party accounts in multiple global hubs, using tokenized deposits on a private, permissioned blockchain while riding on Citi’s existing cash‑management rails. [15]
- Landmark fiat‑to‑digital settlement trial with Swift
- On 14 November, Citi and Swift announced a successful trial that demonstrated how payments can be settled between fiat and digital currencies in a payment‑versus‑payment (PvP) workflow.
- The pilot used test USDC tokens on an Ethereum test network, combined with Swift infrastructure and smart contracts, to show how traditional bank messaging and distributed‑ledger networks can interoperate without introducing new settlement risk. [16]
These efforts suggest Citi is trying to secure a first‑mover advantage in institutional‑grade digital cash and always‑on liquidity management, which could prove valuable if tokenized deposits and stablecoins become mainstream in corporate treasury and cross‑border payments.
AI at scale: 100,000 developer hours freed every week
Citigroup’s technology push isn’t limited to blockchain. On its Q3 earnings call and in follow‑up reporting, CEO Jane Fraser highlighted the bank’s aggressive deployment of generative AI inside the organization.
Key numbers:
- Citi’s internal AI tools are now used by roughly 180,000 employees in 83 countries.
- The systems – which include code‑generation and automated code‑review tools – are freeing up around 100,000 developer hours every week, thanks to more than 1 million automated code reviews year‑to‑date. [17]
For a bank that has spent years trying to rationalize sprawling technology stacks and control costs, those productivity gains help explain why some investors are willing to pay more for Citi today than they did a year ago – if management can translate freed‑up time into sustained efficiency and innovation rather than just one‑off savings.
Cyber-risk and data‑breach fallout: the new overhang
The most uncomfortable headline for Citi investors heading into 30 November is not about earnings or valuation but about cybersecurity.
In mid‑November, a third‑party tech vendor called SitusAMC disclosed a significant data breach, prompting investigations into potential exposure of mortgage and loan‑related data from major Wall Street banks, including JPMorgan, Citi and Morgan Stanley. [18]
Reports so far indicate:
- The breach occurred at SitusAMC, not on Citi’s own systems, but may involve sensitive client documentation.
- Law‑enforcement and regulators have been notified; the FBI has said there is no observed operational impact on banking services.
- Media coverage and at least one class‑action lawsuit emphasize the growing systemic risk from vendor‑side cyber incidents, which have surged across the financial sector. [19]
For Citi shareholders, the direct financial impact is unclear, but the episode reinforces a recurring theme: operational and cyber‑risk management remains a central part of the investment thesis, especially for a bank still under regulatory scrutiny for past control failures.
Macro and emerging‑market angle: Citi’s name keeps popping up
Citigroup’s global footprint also means it keeps appearing in macroeconomic and policy stories:
- A recent GuruFocus analysis highlighted that Citi and other lenders have restructured a previously discussed $20 billion aid package to Argentina into a smaller, shorter‑term support program, underscoring both Citi’s role in sovereign finance and the risk profile of some of its emerging‑market exposures. [20]
- In India, where local equities have had a relatively poor year versus global indices, Citigroup’s strategists are among those calling for a turnaround in 2026, arguing that valuations have cooled enough to merit renewed interest in that market. [21]
None of these stories are individually decisive for C’s share price, but together they highlight how tied Citi’s fortunes are to global capital flows, emerging‑market politics and regulatory regimes.
Valuation tug of war: bargain bank or fully priced comeback?
On 30 November, sentiment around C stock can be boiled down to a valuation tug of war:
The bullish camp points to:
- A P/B ratio near 1 in a world where many global banks trade well above book value.
- A P/E in the mid‑teens and a PEG ratio below 1, suggesting earnings growth is not yet fully priced. [22]
- Strong recent performance, a rising dividend, growing institutional ownership and tangible signs that technology and restructuring efforts are improving profitability. [23]
The skeptical camp counters with:
- Ongoing regulatory overhangs from past control failures and the risk of additional remediation costs. [24]
- The recent third‑party data‑breach headlines, which highlight that operational risk can surface from outside Citi’s direct perimeter. [25]
- Concerns that, after a ~50% run‑up in the share price, much of the “easy” multiple expansion may already be behind it, leaving investors more dependent on continued earnings beats and clean execution of the restructuring plan. [26]
For now, the analyst consensus – “Moderate Buy” with mid‑single‑digit forecast upside – is basically the midpoint between those extremes.
What investors will be watching after 30 November 2025
Looking beyond today’s snapshot, Citigroup stock watchers are likely to focus on:
- Next earnings prints – can Citi keep delivering mid‑single‑digit or better revenue growth while improving returns through cost control, AI‑driven productivity and simplification? [27]
- Progress on regulatory remediation, especially around risk and data controls tied to earlier consent orders and fines.
- Updates on the CFO transition and reorg – how smoothly the hand‑off from Mark Mason to Gonzalo Luchetti proceeds, and whether folding retail into wealth actually boosts returns rather than just rearranging org charts. [28]
- Further news on digital‑asset initiatives, including real‑world client adoption of Citi Token Services and any follow‑ups from the Swift digital‑currency settlement trial. [29]
- Clarity on cyber‑risk exposure, as more details emerge on the SitusAMC breach and any knock‑on regulatory or legal consequences. [30]
Citigroup’s 2025 stock story is, in short, a classic high‑beta bank turnaround:
a global franchise trading around book value, with real operational and regulatory baggage, but also visible momentum in earnings, tech adoption and institutional support.
References
1. www.marketbeat.com, 2. www.marketbeat.com, 3. www.gurufocus.com, 4. www.marketbeat.com, 5. www.marketbeat.com, 6. www.nasdaq.com, 7. www.marketbeat.com, 8. www.marketbeat.com, 9. www.marketbeat.com, 10. www.reuters.com, 11. www.reuters.com, 12. www.citigroup.com, 13. www.citigroup.com, 14. www.marketbeat.com, 15. www.businesswire.com, 16. www.citigroup.com, 17. www.reuters.com, 18. www.reuters.com, 19. dailyhodl.com, 20. www.gurufocus.com, 21. www.businesstoday.in, 22. www.marketbeat.com, 23. www.marketbeat.com, 24. www.reuters.com, 25. www.reuters.com, 26. www.gurufocus.com, 27. www.reuters.com, 28. www.citigroup.com, 29. www.businesswire.com, 30. www.reuters.com
