Citigroup Inc. (C)
Financial Services · Banks - Diversified · Data as of 2026-10-22
Bottom line
C is trading at a premium to its history, near its historical resistance zone, and recent volume shows no clear direction. Historically, this combination has called for extra caution. Past patterns are not a guarantee of future results.
Valuation — Above its usual book-value multiple (Red)
For financial companies we look at price versus book value. C trades at 1.1× book value, against its own typical 0.6× while earning a 9% return on equity. Its current multiple sits around the 38th percentile of its own last five years — toward the low end of its own range.
Price zones — Near its historical resistance zone (Red)
At $122.51, the stock is close to the upper end of its recent range. Over the past year C has traded between $95.00 and $147.96; its historical support zone sits near $95.00 and resistance near $126.43. It is below both its 50- and 200-day averages, which has historically signalled a downtrend.
52-week range $95.00–$147.96 · 50-day average $131.61 · 200-day average $126.43
Money flow — No clear direction (Yellow)
Buying and selling volume in C have been fairly balanced recently, with no strong accumulation or distribution pattern. Volume on up days has been about 0.6× volume on down days over the last 30 sessions.
Dividends & company facts
C paid $3.14 a share in dividends over the past year — 2.6% of today's price — and raised it 4 times in the last five years. It returned more through buybacks: $11.1 billion in fiscal 2025, about 5.4% of its market value.
- Dividend yield (12 months)
- 2.56%
- Paid over 12 months
- $3.14 a share
- Payout ratio
- 28.1%
- Buybacks
- 5.38% (fiscal 2025)
- Shares, past year
- -1.1%
- Revenue, 12 months
- $154.2B
- Profit, 12 months
- $19.3B
- Employees
- 217,000
- CEO
- Jane Nind Fraser
- Headquarters
- New York, NY
- Listed since
- 1977 · NYSE
About the company
Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S.
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一句话结论
C 相对自身历史处于溢价水平，接近其历史阻力区，近期成交量没有明确方向。从历史来看，这样的组合需要格外谨慎。过去的形态并不能保证未来的结果。
估值 — 高于其惯常的市净率水平
对金融公司，我们看的是价格与账面价值的关系。C 的市净率为 1.1×，而它自身惯常的水平是 0.6×，同时取得 9% 的净资产收益率。它当前的估值倍数大约位于自身过去五年分布的第 38 百分位——处于自身区间的偏低位置。
价格区间 — 接近其历史阻力区
目前价格为 $122.51，接近其近期区间的上沿。过去一年 C 的价格在 $95.00 到 $147.96 之间波动；其历史支撑区在 $95.00 附近，阻力区在 $126.43 附近。它同时位于 50 日和 200 日均线下方，这在历史上通常对应下降趋势。
资金流向 — 方向不明确
C 近期的买卖成交量大致均衡，没有明显的吸筹或派发形态。过去 30 个交易日，上涨日的成交量约为下跌日的 0.6×。
股息与公司概况
C 过去一年每股派息 3.14 美元，相当于当前股价的 2.6%，过去五年上调过 4 次。它通过回购返还了更多：2025 财年回购 111亿美元，约占市值的 5.4%。
UnderTheLight 用直白的语言解释股票——估值、价格区间与资金流向。它只描述数据，不构成任何投资建议。
UnderTheLight explains stocks in plain English — valuation, price zones and money flow as traffic lights, recomputed nightly. It describes data; it is not investment advice and never recommends a trade.