C
Citigroup Inc.Evidence as of 2026-09-02Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.4 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed (+0.4 of +2) with high confidence. Reported quarterly revenues rose from $ 20,139,000,000 in the fiscal quarter ended 30 June 2024 (Q2 2024) to $ 22,090,000,000 in the fiscal quarter ended 30 September 2025 (Q3 2025). Quarterly net income peaked at $ 4,064,000,000 in the fiscal quarter ended 31 March 2025 (Q1 2025) and then declined to $ 3,752,000,000 by Q3 2025.
Share count fell consistently over the sample from 1,907,795,225 shares as of 30 June 2024 to 1,749,319,009 as of 31 January 2026, while long‑term debt moved from $ 280,321,000,000 (30 June 2024) to about $ 315,846,000,000 (30 September 2025) and closed near $ 315,827,000,000 as of 31 December 2025. Total assets declined to $ 2,352,945,000,000 as of 31 December 2024 then rose to $ 2,657,202,000,000 as of 31 December 2025, and stockholders’ equity edged from $ 208,598,000,000 (31 December 2024) to $ 212,291,000,000 (31 December 2025). Trailing free cash flow is reported negative at -$ 115,258,000,000 and FCF per share is -61.8802; earnings per share TTM are 7.29 with a PE TTM of 18.18. Market signals are mixed: a golden cross exists with price vs SMA200 at +9.0% and price vs SMA50 at -2.1%, momentum measures show short‑term +1.5% (3m) and strong medium/long measures (+20.8% 6m; +46.5% 12_1), volatility is elevated (30‑day annualized +26.0%), beta to SPY is 1.36, and dividend yield TTM is 1.86%.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Reported quarterly revenues rose from $20.139 billion in the fiscal quarter ended 30 June 2024 to $20.315 billion in the fiscal quarter ended 30 September 2024, then to $21.596 billion in the fiscal quarter ended 31 March 2025, $21.668 billion in the fiscal quarter ended 30 June 2025 and $22.09 billion in the fiscal quarter ended 30 September 2025.
XBRL companyfacts · 0000831001-24-000100Quarterly net income was $3.217 billion in the fiscal quarter ended 30 June 2024, $3.238 billion in the fiscal quarter ended 30 September 2024, rose to $4.064 billion in the fiscal quarter ended 31 March 2025, then was $4.019 billion for the quarter ended 30 June 2025 and $3.752 billion for the quarter ended 30 September 2025 (a peak in Q1 2025 followed by declines through Q3 2025).
XBRL companyfacts · 0000831001-25-000086Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
A 424B3 prospectus supplement was filed on 2026-08-26 under the 424B3 filed 26 August 2026.
424B3 filed 2026-08-26A 424B3 prospectus supplement was filed on 2026-08-26 under the 424B3 filed 26 August 2026.
424B3 filed 2026-08-26Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Momentum signals show short-term momentum of +1.5% (3m), stronger medium-term momentum of +20.8% (6m, 80th percentile of 547), and +46.5% for the 12_1 measure (82th percentile of 547).
Moneyta signal set · 2026-09-01weakened in debateTrend/price-position indicators are mixed: the security has a golden_cross = true and price vs SMA200 = +9.0% while price vs SMA50 = -2.1%.
Moneyta signal set · 2026-09-01Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02T13:45:47.228469+00:00, Citigroup (C) is a member of the ETF with symbol IVV and has a weight of 0.37% of that fund.
ETF constituents · market dataThe ETF membership record provided is indexed under source ref fund holdings data and carries the timestamp 2026-09-02T13:45:47.228469+00:00.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
The headline reports Citigroup closed at $134.38, a +1.39% move in the latest trading session.
News · finance.yahoo.com · 2026-09-02The piece was published on 2026-09-02 by finance.yahoo.com.
News · finance.yahoo.com · 2026-09-02Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
Free cash flow for the trailing twelve months is -115,258,000,000.
Valuation inputs · SEC XBRL + stored EOD closeFree cash flow per share for the trailing twelve months is -61.8802.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Several claims together support a favorable read: reported revenues show a multi-quarter rise into FY2025, the company has materially reduced its share count (suggesting ongoing capital return or buyback activity), total assets and stockholders' equity increased through 2025, and market momentum and relative strength metrics are strong versus the market. These company-specific operational signals (top-line growth, balance-sheet growth, and shrinking share count) help contextualize the otherwise negative free-cash-flow and leverage metrics: the headline FCF shortfall and elevated long-term debt are important but do not erase evidence of ongoing revenue expansion, asset growth, and accretive share-count reduction. Market-position signals (positive 6‑ and 12‑month momentum, golden cross, above‑median dividend yield, and inclusion in a large ETF) further indicate that market participants and systematic funds are allocating to the security, reinforcing a constructive market backdrop. The bear case rests on thin or stale data points and valuation flags that merit attention, but the joint company-operating and market-momentum claims present a coherent supportive picture.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.33
32 surviving claims rest on 16 distinct sources; the heaviest analyst carries 25% of them, and 97% of what the desk raised survived the debate.
The read rests on a moderate breadth of sources but a quarter of surviving claims trace back to one dominant analyst, which raises sensitivity to that individual's inputs. Because nearly all desk challenges survived (97%), the set is internally consistent, but source concentration and reliance on a few contributors make the overall read somewhat fragile — treat aggregated signals as informative but weight them with caution.
Peer context · computed, not argued
12-1 momentum ranks 1st of 4 in Banks—Diversified (as of 2026-09-01).
6-month relative strength ranks 2nd of 4 in Banks—Diversified (as of 2026-09-01).
90-day volatility ranks 1st of 4 in Banks—Diversified (as of 2026-09-01).
dividend yield ranks 2nd of 4 in Banks—Diversified (as of 2026-09-01).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
14 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.7 to the score
8 documents· 2 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.0 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−0.1 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+1.0 to the score
1 headline
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on C Gold
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Institutional holders
Net institutional flow, Q/Q
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Insider buys, 90 days
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The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.