Citigroup Inc. Common Stock (C) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Citigroup Inc. Common Stock (C) scores 3.0 out of 10 as of , computed from its reported financial statements. That reads as low quality. The reading rests on predictability, and efficiency is what holds it back.
One pillar, solvency, is unscored because the filings behind it carry too little to judge. It is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Citigroup Inc. Common Stock’s filings do not show enough of the signs a moat leaves: 2 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for C stands at 3.0 out of 10 as of October 16, 2026, which puts Citigroup Inc. Common Stock in the low quality band. Scores this low usually reflect thin margins, a stretched balance sheet or an erratic record, and the pillars below show which. It rolls Citigroup Inc. Common Stock’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Ranked with the 261 Financials companies Lemma publishes, the score sits at the 8th percentile, near the foot of the group. The median across the group is 5.9, and the top quarter begins at 6.8, so Citigroup Inc. Common Stock is well below the typical company here.
Citigroup Inc. Common Stock’s profitability score is 3.0 out of 10 (weak). Against a median of 6.8 among 255 Financials companies, that is well below the group and the 10th percentile. Weak profitability means the business converts less of its sales and capital into profit than its peers, which can come from thin pricing power, high costs or a temporary squeeze.
Solvency has no score for Citigroup Inc. Common Stock. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median solvency score across 140 Financials companies is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
Citigroup Inc. Common Stock’s growth score is 2.4 out of 10 (weak). Against a median of 4.6 among 241 Financials companies, that is well below the group and the 21st percentile. Weak growth means revenue and earnings have been flat or shrinking against peers, which can be cyclical or a sign of a market that is maturing.
On efficiency, Citigroup Inc. Common Stock scores 1.0, a weak reading. Its peers have a median of 5.8 across 211 Financials companies, which places it well below them, at the 2nd percentile. A low efficiency score is worth reading alongside profitability: earnings that do not convert into cash are worth less than they look.
Predictability scores 4.9 out of 10, which reads as average. The median across 256 Financials companies is 4.9, so Citigroup Inc. Common Stock is in line with its peers on this pillar and ranks at the 50th percentile. An average predictability reading means results have wobbled about as much as is normal for the sector.
The gap between Citigroup Inc. Common Stock’s best and worst pillar is wide: predictability at 4.9 against efficiency at 1.0, 3.9 points apart. An average of two readings this different deserves a closer look than the headline number. Leading with predictability suits a steady compounder, even if the other pillars are less striking. Weak efficiency can reflect a heavy investment phase, which only pays off if the investment earns a return.
Of everything that could lift Citigroup Inc. Common Stock’s score, profitability matters most. Bringing it up to the 6.8 median of Financials companies would take the overall from 3.0 to roughly 4.2. With one pillar unscored, the overall rests on 80 of the 100 weight points, spread across the four pillars that could be measured (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20).
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to Citigroup Inc. Common Stock by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Citigroup Inc. Common Stock scores 3.0 out of 10, which reads as low quality. Its strongest pillar is predictability, its weakest is efficiency. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Citigroup Inc. Common Stock ranks at the 8th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Citigroup Inc. Common Stock’s 3.0.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for C are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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