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Institutional Portfolio Management

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52-Week Change

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Market Cap

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Auto-updates with live values

Dividend Yield (TTM)

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Reflects trailing twelve months

Last updated: Coverage lead: Global Portfolio Management

Overview

Portfolio positioning and risk profile at a glance

Latest portfolio snapshots

Performance Overview

Portfolio value

52-week Range
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Calculated from trailing 12 months of closes.
Period Return
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Cumulative return over the selected timeframe.

Relative Strength Index (14)

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Simple Moving Average (50)

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Simple Moving Average (200)

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Portfolio Description

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Portfolio Type

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Strategy

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Performance Window

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Inception Date

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Number of Positions

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Last Updated

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What Changed Since Last FY

Delta-only view from financial statements and valuation multiples.

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Revenue YoY

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Prior-year pair unavailable.

Net Income YoY

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Prior-year pair unavailable.

FCF Margin % Change

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Prior-year pair unavailable.

P/E Change

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Prior-year pair unavailable.

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Seasonals

Displays a symbol's price movements over previous years to identify recurring trends.

Seasonal performance loads once price data is available.

Earnings

Quarterly actual vs. Wall Street estimate - Next update Jan 29, 2026

Actual
Estimate

Performance

Annual revenue, net income, and margin progression

Revenue
Net income
Net margin %

Revenue breakdown

Indicative mix across Citigroup's main revenue streams

By segment - FY2025

Period: FY25
Institutional Clients Group
24.0%
Personal Banking
15.0%
Wealth
10.0%
Services
45.0%
Other
6.0%

Geographic mix

Revenue distribution across key regions

By region - FY2025

Period: FY25
United States
36.5%
Other Americas
26.0%
Europe
8.0%
Asia ex-Japan
45.0%
Other Americas
3.0%
Other
1.0%

Payout ratio trend

Historical payout ratio based on FY data

Latest ratio

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Dividend yield TTM
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Annual dividend
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Next ex-dividend date
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Next payment date
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Dividends & yield

Paid dividends and yield across the available history

Most recent dividend

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Distributions (FY)
Dividend yield (FY) %

Market Structure

52-week range
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50D / 200D average
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Beta
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Avg volume (3M / 10D)
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Ownership & Sentiment

Institutional ownership
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Insider ownership
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Short interest
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Short ratio
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Event Calendar

Next earnings date
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EPS estimate (next)
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Ex-dividend date
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Dividend date
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Latest SEC Filings

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Benchmark

Portfolio vs Benchmark Universe

Compares portfolio value trajectory and risk context against selected benchmark constituents.

Cumulative total return

Cumulative return rebased to a common start date across portfolio and selected benchmark peers.

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Category Loading...
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Financials

Historical balance sheet evolution

USD billions, fiscal years ending September. Figures compiled from annual filings and rounded to one decimal place.

FY17-FY24
USD millions
Reported basis

Balance Sheet Overview

Core assets and liabilities pulled from the FS tab USD millions.

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All figures are sourced from the latest balance-sheet dataset; rounding may cause totals to differ slightly.

Income Statement Overview

Revenue, profitability, and earnings trend, USD millions.

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All figures use the income statement data provided for FY2017-FY2024 (USD millions); rounding may cause totals to differ slightly.

Cash Flow Overview

Operating, investing, and financing cash movements, USD millions.

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All figures are sourced from the latest cash-flow dataset; rounding may cause totals to differ slightly.

Cash And Cash Equivalents

FY17-FY24 snapshot (USD millions).

Cash

Receivables

FY17-FY24 snapshot (USD millions).

Receivables

Inventories

FY17-FY24 snapshot (USD millions).

Inventories

Accounts Payable

FY17-FY24 snapshot (USD millions).

Payables

Current Liabilities

FY17-FY24 snapshot (USD millions).

Current liabilities

Long-Term Debt

FY17-FY24 snapshot (USD millions).

Long-term debt

Revenue

FY17-FY24 snapshot (USD millions).

Sales

Gross Profit

FY17-FY24 snapshot (USD millions).

Gross profit

EBITDA

FY17-FY24 snapshot (USD millions).

EBITDA

Operating Expenses

FY17-FY24 snapshot (USD millions).

OPEX

Operating Income

FY17-FY24 snapshot (USD millions).

Operating income

Net Income

FY17-FY24 snapshot (USD millions).

Net income

Operating Cash Flow

FY17-FY24 snapshot (USD millions).

Operating CF

Depreciation & Amortization

FY17-FY24 snapshot (USD millions).

D&A

Other Working Capital

FY17-FY24 snapshot (USD millions).

Other WC

Capital Expenditure

FY17-FY24 snapshot (USD millions).

Capex

Free Cash Flow

FY17-FY24 snapshot (USD millions).

FCF

Financing Cash Flow

FY17-FY24 snapshot (USD millions).

Financing CF

Financials summary & interpretation

Loading financial highlights from the latest data...

  • Financial highlights will appear once the data loads.

Dividends

Income & dividend overview

Portfolio income profile based on recorded cash distributions.

Portfolio history
Distribution basis

Total Dividends (TTM)

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Portfolio Yield (TTM)

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Most Recent Distribution

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Latest Distribution Date

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Next Ex-Date

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Next Pay Date

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Income Payout Ratio

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5-Year Income Growth

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Distribution history

Portfolio cash distributions by recorded payment date.

Distribution amount

Portfolio yield trend

Trailing portfolio yield per recorded payment.

Portfolio yield %

Distribution YoY growth

Year-over-year change in total portfolio distributions based on the distribution history table.

Distribution YoY %

Distribution growth vs FY16 base

Portfolio distributions indexed to the earliest available fiscal year, showing compounded growth.

% vs FY16
CAGR
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Monthly Distribution Calendar

Holdings that paid in each month, sourced dynamically from the dividend sheet.

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What the income profile signals

  • The portfolio combines recurring distributions with capital appreciation, balancing cash income with long-term compounding.
  • Distribution capacity is tied to underlying holdings cash generation and can vary with market cycles and allocation changes.
  • Track consistency of portfolio distributions versus total return to separate repeatable income from market-driven performance.
  • In weaker markets, payout sustainability, diversification, and rebalance discipline become key indicators of downside resilience.

Recent income events

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Rebalances & corporate actions

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Growth

Compounding through diversified banking franchises and disciplined capital allocation

Growth is anchored by services and cards momentum, institutional client activity, and cost discipline.

FY16-FY25
Reported basis

52-Week % Change

18,02%

2-Year % Change

47,66%

3-Year % Change

79,34%

5-Year % Change

125,11%

10-Year % Change

807,76%

5-Year Revenue Growth

8,68%

5-Year Earnings Growth

17,86%

5-Year Income Growth

5,11%

Cash & equivalents YoY growth

Trailing growth rate for the cash and marketable securities balance, sourced from the Financials section.

Cash & equivalents YoY %

Revenue YoY growth

Year-over-year change in total revenue, highlighting the cadence of Citigroup's top-line acceleration.

Revenue YoY %

Gross profit YoY growth

Tracks operating leverage from mix, pricing, and cost actions using the same filing data set.

Gross profit YoY %

EBITDA YoY growth

Shows the cadence of operating cash generation after opex and non-cash adjustments.

EBITDA YoY %

Operating income YoY growth

Highlights how operating leverage and expense discipline translate into core profitability momentum.

Operating income YoY %

Net income YoY growth

Captures the bottom-line impact from revenue mix, taxes, and capital return cadence.

Net income YoY %

Operating cash flow YoY growth

Shows how core operations are translating into cash generation, mirroring the data inside the Financials cash flow table.

Operating cash flow YoY %

Free cash flow YoY growth

Captures the ultimate cash generation after capex, aligning with the free cash flow mini-chart in the Financials section.

Free cash flow YoY %

Revenue growth vs FY16 base

Historical revenue growth indexed to the earliest fiscal year in the Financials section.

% vs FY16
CAGR
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Gross profit growth vs FY16 base

Tracks gross profit expansion relative to the earliest fiscal year available in the Financials section.

% vs FY16
CAGR
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EBITDA growth vs FY16 base

Showcases EBITDA growth indexed to the earliest fiscal year captured in the Financials section.

% vs FY16
CAGR
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Operating income growth vs FY16 base

Tracks operating income expansion relative to the earliest fiscal year plotted in the Financials section.

% vs FY16
CAGR
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Net income growth vs FY16 base

Captures net income performance indexed to the first fiscal year available in the Financials section.

% vs FY16
CAGR
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Operating cash flow growth vs FY16 base

Indexes operating cash generation against the first fiscal year to highlight how cash conversion scales over time.

% vs FY16
CAGR
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Free cash flow growth vs FY16 base

Shows how total free cash generation compounds relative to the earliest fiscal year in the dataset.

% vs FY16
CAGR
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EPS growth vs FY16 base

Tracks diluted EPS progress indexed to the earliest fiscal year to illustrate operating leverage per share.

% vs FY16
CAGR
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FCF per share growth vs FY16 base

Highlights how free cash flow per share compounds after accounting for buybacks and share count changes.

% vs FY16
CAGR
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Compound growth comparison

Five-year CAGR stack for Citigroup’s core financial drivers, highlighting where compounding is strongest.

FCF / share
EPS
Free cash flow
Operating CF
Net income
Distributions
Operating income
EBITDA
Gross profit
Revenue

What the full growth stack says

  • Growth highlights will appear here once the data loads.

Profitability & Efficiency

Deep dive on margin architecture and capital efficiency

Figures reflect FY24 reported results unless noted; normalized views adjust for restructuring, FX hedges, and tax credits.

FY16-FY25
Reported basis

Gross Margin

46.91%

Operating Margin

31.97%

Net Margin

26.92%

EBITDA Margin

34.78%

FCF Margin

23.73%

ROA

99.53%

ROE

88.18%

ROIC

88.18%

Gross Margin

Fee mix, product scale, and market levels drive consolidated margin outcomes across cycles.

Gross margin

Operating Margin

Operating discipline across compensation, distribution, and platform costs supports resilient profitability.

Operating margin

Net margin resilience

Net income can swing with demand cycles, input costs, one-off items, and non-cash effects, so trend interpretation focuses on through-cycle profitability.

Net margin

EBITDA cushion

Cash-generation depth reflects pricing power, cost discipline, product and service mix, and capital intensity.

EBITDA margin

Free cash flow margin

Free-cash-flow conversion reflects product mix, working-capital control, and disciplined reinvestment.

FCF margin

ROA

Operating discipline across compensation, distribution, and platform costs supports resilient profitability.

ROA

ROE

Operating discipline across compensation, distribution, and platform costs supports resilient profitability.

ROE

ROIC

Operating discipline across compensation, distribution, and platform costs supports resilient profitability.

ROIC

Monthly performance heatmap

Monthly share-price return by calendar month using daily closes from the loaded price history.

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Monthly performance heatmap will appear once price history is available.
Negative month Flat / missing Positive month

Profitability summary & interpretation

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  • Profitability highlights will appear once the data loads.

Momentum

Liquidity stays firm as realized vol cools

Monthly aggregates derived from trading history.

Last 252 trading days Reported basis

Latest daily volume

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30-day realized volatility

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12M percentile --

Volume breadth

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Float turnover (daily)

0.32%

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Volume trend

Monthly average shares traded compared with the rolling 30-day mean.

Monthly volume 30-day average

30-day realized volatility

Annualised standard deviation of daily returns (30-day window) with a short-term trend overlay.

Realized vol 3-month trend

Volume vs price change

Monthly close change plotted against last-day volume relative to the 30-day average.

Monthly prints

ATR % trend

14-day average true range expressed as a percentage of price.

ATR (14d)

Net up/down flow

Monthly up-volume minus down-volume (millions of shares) as a simple risk-on proxy.

Up-volume Down-volume

How to read it

  • Liquidity stays two-way: November printed 49.6 million shares against a 47.8 million 30-day average (+3.8%), 66.0% of sessions cleared that moving mean, and float turnover still recycles roughly 0.32% of diluted shares each day.
  • Volatility cools back to the low-20s: 30-day realized vol is 21.1% (33rd percentile of the past year), down from 24.0% a month ago, and ATR% has drifted below 2%, signaling that day-to-day ranges continue to compress alongside calmer realized swings.
  • Volume trend stays orderly: the monthly histogram remains tightly coupled to the rolling average, the scatter plot shows most prints hugging the +/-5% price band, and the 3-month trend overlay slopes modestly lower, corroborating the softer momentum.
  • Flow mix looks reliable: price gained 1.0% month-on-month with volume only 3.8% above the 30-day mean, yet the up/down-volume spread eased to -67M shares after October’s +401M, implying digestion rather than stress and leaving room for buyers to re-engage if catalysts re-accelerate.

Technicals

Daily technical map built from price history

All indicators below are recalculated from the latest 252 trading days, combining daily OHLC bars and share turnover.

Last 252 trading days Reported basis

Price vs 21d trend

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Momentum (RSI 14)

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MACD regime

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Volatility (ATR 14)

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Liquidity & flow

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Price structure (252 trading days)

Daily close plotted against 21d / 63d / 200d moving averages plus Bollinger Bands (20D, 2σ).

Close SMA 21 SMA 63 SMA 200

RSI momentum

14-day relative strength with 70 / 30 guardrails to gauge overbought or oversold stretches.

RSI (14) 70 guide 50 midline 30 guide

MACD & signal

12/26 EMA spread with 9-day signal line and histogram for crossover context.

Histogram MACD line Signal line

Volume pulse & OBV

Daily share turnover in millions versus the 50-day mean with an on-balance volume overlay.

Daily volume 50d average OBV (norm.)

ATR & Bollinger width

14-day average true range (dollars) plus ATR as % of price alongside Bollinger bandwidth.

ATR (14) ATR % of price Bollinger width %

Ichimoku cloud structure

Tenkan/Kijun trends plus forward spans to highlight dynamic support, resistance, and lagging confirmation.

Close Tenkan Kijun Span A Span B Chikou

ADX & DI

Directional movement strength (ADX) plus +DI / -DI crossover context.

ADX +DI -DI

Stochastic oscillator

%K/%D combo to track short-term exhaustion relative to recent ranges.

%K %D

Anchored VWAP map (support/resistance)

Multiple AVWAP anchors (full series, YTD start, 52w high/low) plus +/-1 stdev envelopes to surface likely support and resistance zones.

Close Full-series AVWAP +/- 1s bands

Breadth pulse

Share of the last 20 sessions printing higher closes or higher highs.

Higher closes Higher highs

Gap tracker

Session gap sizes (open vs prior close) with coloration for filled or still-open gaps.

Gap up filled Gap up open Gap down filled Gap down open

Rolling beta & correlation

30-session beta versus a valuation-multiple proxy plus the matching correlation.

Beta Correlation

How to read it

  • Trend and cloud narrative will appear once data loads.
  • Momentum narrative will appear once data loads.
  • Volatility narrative will appear once data loads.
  • Liquidity narrative will appear once data loads.
  • Breadth and gap narrative will appear once data loads.
  • Beta narrative will appear once data loads.

Ratings & Summary

Composite scorecard across pillars

Scores normalised to a 0-100 scale using Ravenstone's fundamental, market, and risk frameworks. Evidence cites FY24-FY25 datasets shown above.

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Category Score Evidence Key datapoints
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Composite rating

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Weighted average of pillar scores (updated quarterly).

Method highlights

  • 0-100 scale anchored to historical Citigroup volatility range.
  • Financial, profitability, and valuation pillars weighted 60%; remainder evenly distributed.
  • Scores adjust when FY data or regulatory outcomes materially shift.

Analyst consensus

Recommendation
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Recommendation mean
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Analyst opinions
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Target (low / mean / high)
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Recommendation mix

Strong Buy
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Buy
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Hold
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Sell / Strong Sell
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Governance risk

Overall risk
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Audit risk
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Board risk
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Compensation risk
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Shareholder rights risk
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Recent upgrades / downgrades

Date Firm Action To / From PT Change
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