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Citigroup

TRVC.DE
66
Banks - Diversified · Financial Services
Exchange
Frankfurt Stock Exchange
Winston Score
66
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Growth
Exceptional
Valuation
Strong
Dividends
Good
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Winston Score History

The full picture

Citigroup is one of the largest banks in the world. It helps people and businesses manage money by offering services like checking accounts, credit cards, loans, and investment banking. Its customers range from everyday consumers to large corporations and governments across more than 160 countries.

Citigroup makes money by charging interest on loans, collecting fees on credit cards and banking services, and earning revenue from trading and advising on big financial deals. It is headquartered in New York and is one of only a handful of truly global banks, giving it a wide international network that smaller rivals cannot easily replicate. The company has been working through a major restructuring to simplify its business and improve profitability, and its ability to execute that turnaround is the key factor investors are watching most closely right now.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+61.6% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

2.5%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

€2.3T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Citigroup is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+45.3%
Fast-growing sales (+45.3% YoY)
Profit growth
EPS YoY
+37.0%
Earnings growing fast (+37.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
11.9x
no trend
Attractive valuation — P/E 11.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+1.8
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
2.05%
no trend
Moderate income — 2.05% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+4.0%
no trend
Dividend growing modestly (4.0% YoY)

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