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Citigroup Inc's Competitiveness

A competitive positioning analysis and financial ratio benchmarking of Citigroup Inc (C) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.

Peer Data As of Q2 2026
Competitors
95
Named by the company
Peer Group Market Share
5.77 %
vs 5.48 % a year ago
Revenue Growth Y/Y
14.30 %
Peers: 8.31 %
Net Margin
23.54 %
Peers: 25.46 %

Key Findings: Citigroup Inc vs Its Competitors

  • TTM: Trailing 12-month revenue of 91,360M vs 1,602,105M combined for its competitors (5.4% combined share).
  • Trending: Latest-quarter revenue run-rate is accelerating (+8.4% annualized vs trailing 12 months), vs holding steady (+1.0%) for its tracked peer group.
  • Growth: Citigroup Inc generated 14.3% revenue growth year over year in Q2 2026, vs 8.3% for its competitors combined.
  • Profitability: Its 23.5% net margin compares with 25.5% for the peer group.
  • Scale: Citigroup Inc ranks #4 of 84 companies by market capitalization in the Commercial Banks industry, holding 8.6% of industry market cap.
  • Peer revenue share: Citigroup Inc accounted for 5.8% of combined revenue among its tracked peer group, up from 5.5% a year earlier.
  • Peer differentiation: Revenue per employee of $0.40M compares with $0.80M for the peer group (0.5x).
  • Structure: Citigroup Inc operates in the following segments: Markets, Services, U.S. Personal Banking, Wealth, Banking, Corporate and Unallocated.

Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).

C Sales vs. its Competitors, Q2 2026

Citigroup Inc reported revenue growth of 14.30 % year on year in Q2 2026, above its competitors' combined revenue growth of 8.31 %.

With a net margin of 23.54 %, Citigroup Inc reported lower profitability than its competitors (25.46 %).

Citigroup Inc generated 5.77 % of the combined sales of its peer group, up from 5.48 % a year earlier.

API endpoints for this dataset

https://api.csimarket.com/api/v1/companies/C/competitors
https://api.csimarket.com/api/v1/companies/C/relationships
https://api.csimarket.com/api/v1/companies/C/similar
Programmatic access for models, analytics, and integration workflows.
Explore the Financial Data API

Citigroup Inc vs. its Competitors, Q2 2026

Revenue growth, year on year

Citigroup Inc +14.3 %
Competitors combined +8.3 %

Net income growth, year on year

Citigroup Inc +44.6 %
Competitors combined +39.4 %

Net margin

Citigroup Inc +23.5 %
Competitors combined +25.5 %

Revenue run-rate vs trailing 12 months

Citigroup Inc +8.4 %
Competitors combined +1.0 %

TTM net margin

Citigroup Inc +19.8 %
Competitors combined +22.4 %

TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Citigroup Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.

Competitor Financial Benchmarking - TTM Commercial

TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Citigroup Inc and its 4 competitor groupings. Available under Commercial License.

Entity TTM Revenue Latest Q ×4 Rev Run-rate vs TTM TTM Net Income TTM Net Margin
Citigroup inc $12,345M $12,345M +12.3% · Accelerating $1,234M 12.3%
Competitors combined $12,345M $12,345M +12.3% · Accelerating $1,234M 12.3%
High-Confidence Competitors (4) $12,345M $12,345M +12.3% · Accelerating $1,234M 12.3%
Similar-Size Competitors (8) $12,345M $12,345M +12.3% · Accelerating $1,234M 12.3%
Competitor Financial Benchmarking

TTM revenue, run-rate and net margin benchmarking across Citigroup Inc's competitor groups requires a Commercial License.

For context: the Commercial Banks industry grew revenue -5.9% year over year, combined, vs 14.3% for Citigroup Inc. Citigroup Inc's share of combined industry revenue moved from 7.78% to 9.44%, a gain of 1.67 percentage points.

Citigroup Inc's Competitor Quality Breadth

Group definitions: see Methodology: Performance Group Definitions.

Entity Profitable Expanding Above Industry Growth Distressed
Citigroup inc Yes Yes No Yes
Competitors combined (274) 97% 87% 58% 12%
High-Confidence Competitors (6) 83% 83% 67% 17%
Similar-Size Competitors (8) 100% 88% 63% 0%

Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.

Market Share of the Peer Group, Q2 2026

5.8%market share
  • Citigroup Inc5.8%
  • Competitors combined94.2%

Share of combined quarterly revenue of Citigroup Inc and its 95 competitors.

See Citigroup Inc's full market share breakdown »

C Stock Performance relative to its Competitors

C Competitors (weighted) Percent change over the selected range

Citigroup Inc's Share Price Performance vs Peer Groups

Trailing 12-month total share price return, and the share of each group that outperformed the U.S.A. 500 over the same period. Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC.
70.4%beat U.S.A. 500
Competitors Combined
(188 of 267)
0%beat U.S.A. 500
High-Confidence
(0 of 5)
50%beat U.S.A. 500
Similar-Size
(4 of 8)
Entity TTM Share Price Return
(group: median)
vs U.S.A. 500
Citigroup inc 18.70 % Outperformed
Competitors combined (267) 40.4% 63.2%
High-Confidence Competitors (5) 40.4% 63.2%
Similar-Size Competitors (8) 40.4% 63.2%
Similar Growth & Profitability (0) 40.4% 63.2%
Peer Group Share Price Returns

TTM share price return and U.S.A. 500 outperformance for Citigroup Inc's competitor groups requires a Commercial License.

Source: CSIMarket API (daily market-structure computation). Outperformance is trailing-12-month total return vs the U.S.A. 500 over the same window, not risk-adjusted.

C Stock Performance relative to High-Confidence Competitors

C High-Confidence Competitors (equal-weighted, 6) Percent change over the selected range

C Stock Performance relative to Similar-Size Competitors

C Similar-Size Competitors (equal-weighted, 8) Percent change over the selected range

5 Best-Performing Tracked Competitors, Trailing 12 Months

#CompetitorTTM Share Price Returnvs U.S.A. 500
1 Brookline Bancorp inc 282.9% Outperformed
2 Optimumbank Holdings Inc 282.9% Outperformed
3 Old Point Financial Corp 282.9% Outperformed
4 Eagle Bancorp Inc 282.9% Outperformed
5 Lionsgate Studios Corp 282.9% Outperformed
Best-Performing Competitor Returns

TTM share price return and U.S.A. 500 outperformance for Citigroup Inc's best-performing competitors requires a Commercial License.

Source: CSIMarket API, trailing 12 months.

Citigroup Inc's Comment on Competition and Industry Peers

The financial services industry, including each of Citigroup’s businesses, is highly competitive. Citigroup’s competitors include a variety of other financial services and advisory companies such as banks, thrifts, credit unions, credit card issuers, mortgage banking companies, trust companies, investment banking companies, brokerage firms, investment advisory companies, hedge funds, private equity funds, securities processing companies, mutual fund companies, insurance companies, automobile financing companies, and internet-based financial services companies.
Citigroup competes for clients and capital (including deposits and funding in the short- and long-term debt markets) with some of these competitors globally and with others on a regional or product basis. Citigroup’s competitive position depends on many factors, including the value of Citi’s brand name, reputation, the types of clients and geographies served, the quality, range, performance, innovation and pricing of products and services, the effectiveness of and access to distribution channels, technology advances, customer service and convenience, effectiveness of transaction execution, interest rates and lending limits, regulatory constraints and the effectiveness of sales promotion efforts.

Publicly Traded Peers of Citigroup inc

Revenue and income for trailing 12 months, in millions of $, except employees
Company Market Cap Revenues Income Employees
Citigroup inc 207,742.64 91,360.00 18,081.00 226,000
Jpmorgan Chase and Co 903,822.21 190,733.00 65,204.00 318,512
Visa Inc 805,563.04 43,027.00 22,236.00 34,800
Mastercard Incorporated 573,289.44 36,288.00 16,958.00 39,800
Bank Of America Corporation 360,893.33 122,968.00 32,119.00 213,000
Morgan Stanley 292,278.24 59,960.00 20,624.00 83,000
SUBTOTAL 6,230,860.41 1,944,164.65 423,184.18 2,548,858
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Citigroup inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.

Citigroup Inc's Competitors Named by the Company

Competitive relationships identified from Citigroup Inc reports and corroborating sources, each with a basis and confidence.
Competitor Basis Confidence Active Sources
Evercore Inc Company report 85% 2022 to 2026 3
Perella Weinberg Partners Company report 85% 2022 to 2026 3
Barclays Plc Company report 85% 2022 to 2026 3
Bank Of Chile Company report 85% 2022 to 2026 3
Moelis and Co Company report 85% 2022 to 2026 3
Greenhill and Co Inc Company report 85% 2022 to 2026 3
Financial Institutions Inc Company report 85% 2022 to 2026 3
Citizens Financial Group Inc Company report 85% 2022 to 2026 3
Bank Of America Corporation Company report 85% 2022 to 2026 3
The Bank Of New York Mellon Corporation Company report 85% 2022 to 2026 3
American Express Company Company report 85% 2022 to 2026 3
Bbva Usa Bancshares Inc Company report 85% 2022 to 2026 3
First Midwest Bancorp Inc Company report 85% 2022 to 2026 3
Apollo Global Management Inc Company report 85% 2022 to 2026 3
Hilltop Holdings Inc Company report 85% 2022 to 2026 3
Peoples United Financial Inc Company report 85% 2022 to 2026 3
Cit Group Inc Company report 85% 2022 to 2026 3
Pjt Partners Inc Company report 85% 2022 to 2026 3
Park National Corporation Company report 85% 2022 to 2026 3
Prudential Financial Inc Company report 85% 2022 to 2026 3
Cowen inc Company report 85% 2022 to 2026 3
Tcf Financial Corporation Company report 85% 2022 to 2026 3
The Goldman Sachs Group Inc Company report 85% 2022 to 2026 3
Blackrock Inc Company report 85% 2022 to 2026 3
M and t Bank Corporation Company report 85% 2022 to 2026 3
Western Alliance Bancorporation Company report 85% 2022 to 2026 3
First Horizon Corp Company report 85% 2022 to 2026 3
First Citizens Bancshares Inc Company report 85% 2022 to 2026 3
Popular Inc Company report 85% 2022 to 2026 3
First National Corp Company report 85% 2022 to 2026 3
Keycorp Company report 85% 2022 to 2026 3
Slm Corp Company report 85% 2022 to 2026 3
Synchrony Financial Company report 85% 2022 to 2026 3
Legg Mason Inc Company report 85% 2022 to 2026 3
Us Bancorp De Company report 85% 2022 to 2026 3
Houlihan Lokey Inc Company report 85% 2022 to 2026 3
Synovus Financial Corp Company report 85% 2022 to 2026 3
Jpmorgan Chase and Co Company report 85% 2022 to 2026 3
Blackstone Inc Company report 85% 2022 to 2026 3
The Western Union Company Company report 85% 2022 to 2026 3
Capital one financial corp Company report 85% 2022 to 2026 3
Wesbanco Inc Company report 85% 2022 to 2026 3
Ameriprise Financial Inc Company report 85% 2022 to 2026 3
Enterprise Bancorp inc Company report 85% 2022 to 2026 3
Santander Holdings Usa Inc Company report 85% 2022 to 2026 3
Republic First Bancorp Inc Company report 85% 2022 to 2026 3
Schwab Charles Corp Company report 85% 2022 to 2026 3
Wintrust Financial Corp Company report 85% 2022 to 2026 3
Hancock Whitney Corporation Company report 85% 2022 to 2026 3
Fifth Third Bancorp Company report 85% 2022 to 2026 3
Zions Bancorporation National Association Company report 85% 2022 to 2026 3
Lazard Inc Company report 85% 2022 to 2026 3
Raymond James Financial Inc Company report 85% 2022 to 2026 3
Principal Financial Group inc Company report 85% 2022 to 2026 3
Carlyle Group Inc Company report 85% 2022 to 2026 3
Mufg Americas Holdings Corporation Company report 85% 2022 to 2026 3
Discover Financial Services Company report 85% 2022 to 2026 3
Artisan Partners Asset Management Inc Company report 85% 2022 to 2026 3
Camden National Corp Company report 85% 2022 to 2026 3
Valley National Bancorp Company report 85% 2022 to 2026 3
Banc Of California Inc Company report 85% 2022 to 2026 3
Flagstar Bank National Association Company report 85% 2022 to 2026 3
East West Bancorp inc Company report 85% 2022 to 2026 3
Brookline Bancorp inc Company report 85% 2022 to 2026 3
Hsbc Usa Inc Company report 85% 2022 to 2026 3
Northern Trust Corporation Company report 85% 2022 to 2026 3
Pnc Financial Services Group Inc Company report 85% 2022 to 2026 3
Stifel Financial Corp Company report 85% 2022 to 2026 3
Pacific Premier Bancorp Inc Company report 85% 2022 to 2026 3
Regions Financial Corporation Company report 85% 2022 to 2026 3
Credit Suisse Ag Company report 85% 2022 to 2026 3
The Bancorp Inc Company report 85% 2022 to 2026 3
Huntington Bancshares Incorporated Company report 85% 2022 to 2026 3
Alliancebernstein Holding L p Company report 85% 2022 to 2026 3
Truist Financial Corporation Company report 85% 2022 to 2026 3
Webster Financial Corporation Company report 85% 2022 to 2026 3
First Financial Bankshares Inc Company report 85% 2022 to 2026 3
Svb Financial Group Company report 85% 2022 to 2026 3
Bok Financial Corp Company report 85% 2022 to 2026 3
First Merchants Corp Company report 85% 2022 to 2026 3
Morgan Stanley Company report 85% 2022 to 2026 3
Slm Corporation Company report 85% 2022 to 2026 3
Voya Financial Inc Company report 85% 2022 to 2026 3
Investors Bancorp Inc Company report 85% 2022 to 2026 3
Wells Fargo and Company Company report 85% 2022 to 2026 3
Kkr and co inc Company report 85% 2022 to 2026 3
Seacoast Banking Corporation Of Florida Company report 85% 2022 to 2026 3
Lincoln National Corporation Company report 85% 2022 to 2026 3
Credit Suisse Group Ag Company report 85% 2022 to 2026 3
Univest Financial Corporation Company report 85% 2022 to 2026 3
Comerica Incorporated Company report 85% 2022 to 2026 3
Nomura Holdings Inc Company report 85% 2022 to 2026 3
Atlantic Capital Bancshares inc Company report 85% 2022 to 2026 3
First Citizens Banc Corp Company report 85% 2022 to 2026 3
Texas Capital Bancshares Inc Company report 85% 2022 to 2026 3
Competitor Evidence Detail

Company report basis, confidence, active dates and source counts for Citigroup Inc's named competitors require a Commercial License.

Methodology: see Methodology: Peer & Competitor Identification, Sourcing.

Citigroup Inc's Business Segment Mix vs Peers

Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).
Company Largest Segment 2nd Segment 3rd Segment
Citigroup inc Markets 29.42 % Services 24.78 % U.S. Personal Banking 19.31 %
Mastercard Incorporated Payment Solutions 100.00 % - -
Schwab Charles Corp Investor Services 78.69 % Advisor Services 21.31 % -
Capital one financial corp Credit Card 74.32 % Consumer Banking 20.19 % Commercial Banking 5.51 %
Apollo Global Management Inc Retirement Services 91.20 % Asset Management 28.99 % Principal Investing 9.81 %
Energy Transfer Lp Investment In Sunoco LP 38.49 % Crude oil transportation and services 27.94 % NGL and refined products transportation and services 24.03 %

Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).

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Citigroup Inc's Productivity vs Peers Comparison

Revenue and income per employee, trailing 12 months, in $; market cap in millions of $
CompanyMarket CapRevenue / EmployeeIncome / Employee
Citigroup inc 207,743 404,248 80,004
Jpmorgan Chase and Co 903,822 598,825 204,714
Visa Inc 805,563 1,236,408 638,966
Mastercard Incorporated 573,289 911,759 426,080
Bank Of America Corporation 360,893 577,315 150,793
Morgan Stanley 292,278 722,410 248,482
PEERS TOTAL 6,023,118 797,640 174,399
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Citigroup Inc's Geographic Revenue Exposure vs Peers

Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.
Company Largest Market 2nd Market 3rd Market
Visa Inc Non-US 61.39 % United States 38.61 % -
Mastercard Incorporated International Markets 57.28 % North America 42.72 % -
Blackrock Inc Americas 63.73 % Europe 31.85 % Asia Pacific 4.42 %
Franklin Resources Inc United States 72.53 % Luxembourg 16.77 % Asia Pacific 4.38 %
Invesco Ltd Americas 75.67 % EMEA 20.05 % Asia Pacific 4.28 %

Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.

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Citigroup Inc's Position in Industry Market Structure

Market-capitalization share and concentration across all 81 companies in Citigroup Inc's industry classification, broader than the peer set above. Market cap in millions of $.

Citigroup Inc ranks #4 of 81 companies by market capitalization in its industry, holding 8.56 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,881, indicating a moderately concentrated market structure (see Methodology: Market Structure & Concentration).

Rank Company Market Cap Industry Share
1 Jpmorgan Chase and Co 907,595 37.38 %
2 Bank Of America Corporation 364,491 15.01 %
3 Wells Fargo and Company 261,003 10.75 %
4 Citigroup inc 207,743 8.56 %
5 Capital one financial corp 1,234 5.2%
6 Us Bancorp De 1,234 5.2%
7 Pnc Financial Services Group Inc 1,234 5.2%
8 Truist Financial Corporation 1,234 5.2%
9 Shinhan Financial Group Co Ltd 1,234 5.2%
10 Huntington Bancshares Incorporated 1,234 5.2%
Full Industry Market Structure

Market cap and industry share for the rest of Citigroup Inc's industry peers requires a Commercial License.

Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-09.

Citigroup Inc's Same-Size Peers & Stock Performance

Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.
Rank Company Market Cap TTM Return 3M Momentum Beta Sharpe (1Y)
1 Jpmorgan Chase and Co 907,595 7.48 % -7.16 % 0.89 0.26
2 Bank Of America Corporation 364,491 -6.23 % -22.52 % 0.92 -0.36
3 Wells Fargo and Company 261,003 -1.34 % -4.42 % 0.92 -0.06
4 Citigroup inc 207,743 18.69 % -14.09 % 1.25 0.59
5 Capital one financial corp 1,234 12.3% 4.5% 1.10 0.80
6 Us Bancorp De 1,234 12.3% 4.5% 1.10 0.80
7 Pnc Financial Services Group Inc 1,234 12.3% 4.5% 1.10 0.80
8 Truist Financial Corporation 1,234 12.3% 4.5% 1.10 0.80
9 Shinhan Financial Group Co Ltd 1,234 12.3% 4.5% 1.10 0.80
Full Same-Size Peer Performance

Market cap, return, momentum, beta and Sharpe ratio for the rest of Citigroup Inc's same-size peers requires a Commercial License.

Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-09. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.

Citigroup Inc's Profitability & Cost Structure

Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Commercial Banks industry profitability benchmarks.
Metric Company Industry Difference
Gross Margin - 0.96 % (avg) -
Operating Margin - industry median -
EBITDA Margin 32.22 % 0.23 % (avg) +32.0 pp
Capital Intensity (Capex / Revenue) 6.80 % 0.98 % (avg) +5.8 pp

Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.

Citigroup Inc's Valuation vs Competitive Position

Valuation multiples vs the Commercial Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.
Metric Company Industry Average Difference
P/E 14.1x 10.9x +3.2x
EV / EBITDA 16.9x 5.2x +11.7x
P/B 1.1x 1.6x -0.6x
Return on Equity 8.46 % industry aggregate -3.84 %
Return on Invested Capital - 0.00 % (avg) -

Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.

Citigroup Inc's Multi-Year Financial Trajectory

Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.
Metric 20182019202020212022202320242025
Revenue Growth 1.97 %1.97 %0.02 %-3.25 %4.80 %4.15 %3.41 %5.04 %
Operating Margin 42.57 %43.46 %41.89 %162.90 %31.92 %---
Return on Invested Capital 3.57 %3.66 %3.33 %8.77 %1.36 %0.84 %1.04 %1.15 %
P/E 8.8x9.6x11.8x6.3x6.6x11.0x11.3x15.0x

Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.

Citigroup Inc's BCG Growth-Share Matrix

See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.

Question Mark Star Dog Cash Cow Relative Market Share (vs largest competitor) Industry Revenue Growth (%) Citigroup Inc

Citigroup Inc falls in the Question Mark quadrant: relative market share of 0.23x vs its largest competitor, in an industry growing revenue 10.8% (median, trailing 12 months).

Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution. A caveat worth reading alongside this chart: Jpmorgan Chase and Co alone holds 37% of this industry's market cap. In an industry this dominated by one leader, the framework will place nearly every OTHER company in "Dog" or "Question Mark" purely because relative share is measured against that leader, regardless of how strong those other companies actually are on their own fundamentals. Check the Profitability, Valuation and Financial Strength sections above before treating this quadrant label as a verdict.

Citigroup Inc's Competitive Forces (Porter's Five Forces)

Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.
Force Assessment Basis
Competitive Rivalry Moderate Industry HHI of 1,881 (see Industry Market Structure & Concentration above)
Barriers to Entry High (capital intensive) Capital intensity (capex / revenue) of 6.80 % vs industry average 0.98 % (see Profitability & Cost Structure above)

Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Citigroup Inc's dedicated Suppliers and Customers pages, not here.

Citigroup Inc's Industry Attractiveness & Competitive Strength

See Methodology: GE/McKinsey Matrix for how the two axes are built.

High Strength
Medium Strength
Low Strength
High Attractiveness
Invest / Grow
Invest / Grow
Selective
Medium Attractiveness
Invest / Grow
Selective Citigroup Inc
Harvest
Low Attractiveness
Selective
Harvest
Harvest / Divest

Citigroup Inc falls in the Medium attractiveness / Medium strength cell: Selective.

Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.

Citigroup Inc's SWOT

Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.

Strengths

  • Latest-quarter revenue run-rate is accelerating (+8.4% annualized vs trailing 12 months).
  • Outperforming the U.S.A. 500 over the trailing 12 months.

Weaknesses

  • Low relative market share vs the industry leader (0.23x).
  • Piotroski F-Score of 2 or below, the standard financial-distress signal.

Opportunities

  • Industry revenue growing at a healthy 10.8% median pace.

Threats

  • Industry dominated by Jpmorgan Chase and Co, holding 37.38 % of industry market cap.
  • High capital intensity requires continuous reinvestment just to keep pace with the industry.

Methodology: see Methodology: SWOT Analysis.

Citigroup Inc's Financial Strength vs Peers Comparison

Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months
CompanyQuick RatioWorking CapitalDebt / EquityAsset Turnover
Citigroup inc 0.07 0.40 1.78 0.03
Jpmorgan Chase and Co 0.15 0.42 1.41 0.04
Visa Inc 0.48 1.09 0.66 0.44
Mastercard Incorporated 0.44 1.02 3.23 0.65
Bank Of America Corporation 0.10 0.52 1.27 0.04
Morgan Stanley 0.37 1.12 3.24 0.04
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.

Citigroup Inc's Revenue and Income Growth vs Peers

Quarterly revenue and net income growth, year over year and quarter over quarter
CompanyPeriodRevenue Y/YRevenue Q/QIncome Y/YIncome Q/Q
Citigroup incQ2 2026+14.3 %+0.5 %+44.6 %-1.8 %
Jpmorgan Chase and CoQ3 2026+10.2 %-13.5 %+9.0 %-27.3 %
Visa Inc Q1 2026+17.1 %+3.0 %+31.5 %+2.9 %
Mastercard IncorporatedQ3 2026+14.0 %+5.7 %+17.9 %+5.5 %
Bank Of America CorporationQ3 2026+3.2 %-5.1 %-16.8 %-23.6 %
Morgan StanleyQ3 2026-46.0 %-15.6 %+5.5 %-13.2 %
PEERS TOTAL+5.1 %+0.6 %+14.3 %-3.8 %
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.

Citigroup Inc's Peers' Costs of Sales and Capital Expenditures

Context for revenue growth: peer costs and capex, year over year and quarter over quarter
CompanyPeriodCosts Y/YCosts Q/QCapex Y/YCapex Q/Q
Citigroup incQ2 2026---11.6 %+9.6 %
Jpmorgan Chase and CoQ3 2026-12.8 %+10.1 %--
Visa Inc Q1 2026----
Mastercard IncorporatedQ3 2026---8.6 %-31.4 %
Bank Of America CorporationQ3 2026----
Morgan StanleyQ3 2026--+32.5 %+15.4 %
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Citigroup Inc's Returns and Turnover vs Peers

ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover
CompanyROAROIROEReceivables TurnoverInventory Turnover
Citigroup inc0.66%0.69%8.46%--
Jpmorgan Chase and Co1.34%1.65%17.70%--
Visa Inc 22.56%31.88%59.24%13.68-
Mastercard Incorporated30.49%52.89%252.80%7.39-
Bank Of America Corporation0.93%1.18%10.69%--
Morgan Stanley1.30%1.70%17.79%--
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).

Citigroup Inc's Valuation vs Peers

P/E, price to sales, PEG, price to cash flow and price to book
CompanyP/EPrice / SalesPEGP/CFPrice / Book
Citigroup inc12.972.270.287.180.97
Jpmorgan Chase and Co14.174.741.0239.582.43
Visa Inc 36.3318.722.35-22.59
Mastercard Incorporated34.3215.801.025,910.2084.89
Bank Of America Corporation11.932.930.46115.081.22
Morgan Stanley14.824.870.318.372.47
PEERS AVERAGE14.723.2073.542.18
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.

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