Citigroup (C) Stock Analysis & Winston Score

Citigroup is one of the largest banks in the world. It offers everyday banking services like checking accounts and credit cards to regular people, and it also helps large companies, governments, and institutions move money, raise funds, and manage risk. Citigroup owns the Citi brand and is one of only a handful of truly global banks with a presence in nearly every major country. Citigroup makes money through interest on loans, fees on credit cards, and charges for services like foreign exchange and investment banking. It operates in over 160 countries, making it one of the most internationally connected banks in the United States, which is a key competitive advantage for multinational corporate clients. The company is currently in the middle of a multi-year restructuring effort aimed at simplifying its business and improving profitability, and whether that turnaround succeeds is the central question facing the company right now.