MARKET WIREYahoo Finance • 8h ago
Why Citigroup (C) Stock Is Trading Lower TodayYahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
Why C Stock dropped -2.48% Today — RQD Quant Desk Flash
$122.64 -2.48% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $121.86
Citigroup Inc. (C) carries a Roarable Rating of D- (Sell) with 39/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE D- • RED ALERT
Cap $210.95B
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER
Click Any Pre-Computed AI Quant Specialist Briefing on C Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is C stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼
As of 2026-11-02, Citigroup Inc. (NYSE: C) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 39/100 at a spot price of $122.64 (-2.48% 1D, market cap $210.95B). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 3/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, C ranks #940 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does C compare to WFC and UBS in the Financials sector?
▼
Within the Financials sector (Major Banks), C carries a Roarable D- (39/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 1.5%. By comparison, WFC (Wells Fargo & Company) holds a D grade (50/100 RQD, P/E 11.9x, ROIC 2.7%, cap $254.59B) and UBS (UBS Group AG Registered) posts a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $149.37B). Among the 5-stock peer group, BAC leads on earnings multiple (11.7x) while UBS leads on capital efficiency (9.9% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for C?
▼
Per C's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000831001), Citigroup Inc. generated $85.22B in revenue (+5.6% YoY), $14.31B in net income, and -$74.15B in free cash flow against $2.66T in total assets and $1.10T in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $121.86 (-0.64%)🧬 Dilution Drag (+1.36% YoY Shares)⚙️ Cash Engine: 4/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record Warning: Scores below 50 (39/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.6% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →RQD QUANT TACHOMETERRED ALERT • D-
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw D- · Rk D-
Each axis scored 0–20
12M PRICE TARGET CONE-8.6% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for C)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (39/100 Composite)
🔍 WHY C SCORES 39/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (33% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (31% of score)
20D Institutional Volume Accumulation (±5% realized swing band)
▼ #1 Drag / Risk Factor: Macro Regime Fit4/20 pts (-16 pt drag)
Macro rate sensitivity & RSI-14 (49.5) create a -16 pt regime headwind
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$124.53-1.6% Next Q
47
Q2 (-2Q)Grade D$122.51+0.1% Next Q
44
Q3 (-1Q)Grade D$122.69+0% Next Q
42
CurrentGrade D-$122.64-7.6% Hist 90D α
39
Trajectory: D (47) → D- (39)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a C Turnaround Squeeze
While C currently carries a cautious 39/100 (D-) rating due to Macro Regime Fit (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($129.77) and Max Pain ($128.77) forces dealer call-delta covering toward $155.36.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $C• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “C Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why C Stock dropped -2.48% Today — RQD Quant Desk Flash
Citigroup Inc. (C) dropped -2.48% to $122.64, trading at 51% of its 52-week range ($95.83 – $147.96). Stretched risk/reward at 15x P/E (2% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 51% of its 52-week range ($95.83 – $147.96) with RSI-14 at 49.5 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5% around $122.64 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D- (Sell) backed by 52% gross margin and $0 annual free cash flow.
Live C Headlines & Catalysts
MARKET WIRECNN • 11h ago
symbol__ Stock Quote Price and ForecastCNN report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBarron's • 14h ago
Citigroup’s Transformation Can Lift the Stock by 30%. It’s Time to Buy.Barron's report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
CATALYSTBeinsure • 17h ago
Citigroup (NYSE: C) stock price forecast: Q3 earnings beat and $152 price targetBeinsure report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
CATALYSTYahoo Finance • 23h ago
Citigroup Stock Slips 4% Despite an Earnings Beat. Here’s What the Market Is MissingYahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 1d ago
Here's How to Play Citigroup Stock Ahead of Q3 Earnings ReleaseYahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 1d ago
Can Citigroup (C) Trade At A Discount After A 238% Run?Yahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo • 6h ago
FRN Variable Rate FixLONDON, November 02, 2026-- Re:Macquarie Group Limited
MARKET WIREYahoo • 7h ago
Meta Readies Cross-Border Investment Bond OfferingMeta Platforms Inc. is readying a cross-border investment-grade bond offering, testing investor appetite for debt amid growing skepticism about the pace of spending by the companies spearheading the artificial intelligen
CATALYSTYahoo • 7h ago
UBS Boosts Profitability Ambitions as Cost Savings Exceed ExpectationsUBS Group reports 16.7% underlying ROCET1 in Q3'26 and expects to exceed its 2026 profitability target, supported by revenue growth and cost savings.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring C)
- ✓Walkthrough of C's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
C // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -2.38%🛡️ HOLDING TREND SUPPORT
2026-11-02O $124.1H $125.8L $122.6C $122.6VOL 9.16M
RES: $137.0SUP: $120.0SMA50: $129.8SMA200: $126.7
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
C Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
6.8%/yr Implied 5Y Growth
vs. +5.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on C today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for C. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for C today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (C)
Financials Rank #940 of 1096
⚔️ WFC vs C Full Matrix →
1. Head-to-Head Financials Peer Comparison (C vs. WFC, UBS, COF, BAC)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Citigroup Inc. (C) ranks #940 by composite RQD confidence (39/100, grade D-) and #12 by equity capitalization ($210.95B). Within this direct 5-issuer industry benchmark cohort, BAC leads on earnings valuation at 11.7x trailing P/E, while UBS leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. COF currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with C at 39/100 (D-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| C
ACTIVE
Citigroup Inc. | D- | 39/100 | 14.7x | — | 1.5% | -2.48% | $210.95B | Benchmark Subject |
| WFC Wells Fargo & Company | D | 50/100 | 11.9x | — | 2.7% | -1.66% | $254.59B | /wfc-vs-c → |
| UBS UBS Group AG Registered | D+ | 58/100 | 32.8x | — | 9.9% | -0.91% | $149.37B | /ubs-vs-c → |
| COF Capital One Financial Corporation | C+ | 68/100 | 52.2x | — | 0.9% | -1.86% | $128.06B | /cof-vs-c → |
| BAC Bank of America Corporation | D+ | 53/100 | 11.7x | — | 2.5% | -2.21% | $357.61B | /bac-vs-c → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000831001In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citigroup Inc. (C) reported GAAP revenue of $85.22B (+5.6% vs. FY2024 revenue of $80.72B , and +9.2% cumulative change since FY2023) , GAAP net income of $14.31B, operating cash flow of -$67.63B, and free cash flow of -$74.15B (-183.4% YoY). On the balance sheet, C closed FY2025 with $2.66T in total assets against $1.10T in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $85.22B | $14.31B | -$67.63B | -$74.15B | $2.66T | $1.10T |
| FY2024 (FY) | 2024-12-31 | $80.72B | $12.68B | -$19.67B | -$26.17B | $2.35T | $964.61B |
| FY2023 (FY) | 2023-12-31 | $78.07B | $9.23B | -$73.42B | -$76.93B | $116.02B | $27.15B |
3. C Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs C stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Citigroup Inc. (NYSE: C) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 39/100 at a spot price of $122.64 (-2.48% 1D, market cap $210.95B). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 3/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, C ranks #940 in composite RQD confidence.
How does C compare to WFC and UBS in the Financials sector?
Within the Financials sector (Major Banks), C carries a Roarable D- (39/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 1.5%. By comparison, WFC (Wells Fargo & Company) holds a D grade (50/100 RQD, P/E 11.9x, ROIC 2.7%, cap $254.59B) and UBS (UBS Group AG Registered) posts a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $149.37B). Among the 5-stock peer group, BAC leads on earnings multiple (11.7x) while UBS leads on capital efficiency (9.9% ROIC).
What are the biggest fundamental strengths and SEC risk factors for C?
Per C's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000831001), Citigroup Inc. generated $85.22B in revenue (+5.6% YoY), $14.31B in net income, and -$74.15B in free cash flow against $2.66T in total assets and $1.10T in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is C trading relative to its 50-day, 200-day, and 52-week technical levels?
C last traded at $122.64 (-2.48% on volume of 13,630,426 shares), positioning the stock -5.49% below its 50-day simple moving average ($129.77) and -3.17% below its 200-day simple moving average ($126.65). Across its 52-week range of $95.83 to $147.96, C sits at the 51.4% percentile with a 14-day RSI of 49.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($116.51 to $128.77).
C Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is C stock moving today?
Why C Stock dropped -2.48% Today — RQD Quant Desk Flash. Stretched risk/reward at 15x P/E (2% return on capital) under elevated 10-year interest-rate pressure.
ROARABLE RATING BRIEF • RQD 39/100 (D-)
✓ STAGE-C NUMBER FIREWALL VERIFIED
C — Citigroup Inc.: What the Facts Mean to a Prospective Investor
Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:09:06Z
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, Citigroup Inc. scores 39 out of 100, a letter grade of D-, with the verdict "Roarable Sell — Vulnerable Balance Sheet & Flow." The five pillars are: Fundamental Cash Engine at 4 of 20 (ROIC 1.5%; FCF yield -18%); Whale 13F Flow at 12 of 20 (institutional accumulation and options positioning); Insider Conviction at 7 of 20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit at 3 of 20 (Beta 0.93; sector sensitivity); and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5).
For a prospective investor, the weakest pillars are Cash Engine and Macro Regime Fit, which together account for most of the shortfall. The sub-20% ROIC and deeply negative FCF yield signal that the rating treats cash generation as the central concern. Forensic balance sheet metrics are comparatively stronger, which suggests solvency is not the primary risk flagged; the concern is return efficiency and cash conversion. Institutional flow is moderately supportive, offering a partial offset. The valuation multiples in the Snapshot (P/E in the mid-teens) may look reasonable on earnings, but the rating's emphasis on FCF means earnings-based valuation may not capture the cash-flow picture. Investors weighing upside drivers should note the recent headlines' bullish framing against the quantitative grade's cautionary read.
Snapshot
Recent Catalysts & News Wire Analysis
Per the recent news and catalysts section, six headlines are listed from Yahoo Finance, CNN, Barron's, Beinsure, and TradingView. Two are tagged GREEN/CATALYST and four are tagged YELLOW/MARKET WIRE. Headlines reference a share price decline on one day, an earnings beat with a subsequent 4% slip, a Barron's piece on a potential 30% upside, and a Beinsure forecast citing a $152 price target. Article body text is not provided; the headlines are the only available content. Per the Butterfly Supply-Chain Graph, no proprietary signals are listed.
Open Questions
- What drives the negative FCF in all three reported periods, and how does it reconcile with positive net income?
- What explains the gross margin of 0% and the rise in reported debt from FY 2023 to FY 2025?
- What is the composition of the Roarable whale and insider pillar scores, given that no holders data is provided?
- What is the EPS for each reported fiscal year, and what cash balances underlie the Debt/Equity ratio?
- Do the cited price targets and upside claims in the news headlines rest on any documented methodology?
C Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Citigroup Inc. (C) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Yahoo Finance • 8h ago
Why Citigroup (C) Stock Is Trading Lower Today Yahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE CNN • 11h ago
symbol__ Stock Quote Price and Forecast CNN report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Barron's • 14h ago
Citigroup’s Transformation Can Lift the Stock by 30%. It’s Time to Buy. Barron's report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Beinsure • 17h ago
Citigroup (NYSE: C) stock price forecast: Q3 earnings beat and $152 price target Beinsure report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Yahoo Finance • 23h ago
Citigroup Stock Slips 4% Despite an Earnings Beat. Here’s What the Market Is Missing Yahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Here's How to Play Citigroup Stock Ahead of Q3 Earnings Release Yahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Can Citigroup (C) Trade At A Discount After A 238% Run? Yahoo Finance report covering Citigroup Inc. (C) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo • 6h ago
FRN Variable Rate Fix LONDON, November 02, 2026-- Re:Macquarie Group Limited
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
C Bull vs. Bear Conversation Board — What's Your Call at $122.64?
🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON C 🐻 67% BEARISH CONVICTION
RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH
🎯 Target: $110.67 (-12.0%)
📌 Pinned Debate 🔥 Official Bull vs. Bear Debate: Is C (D- • RQD 39/100) a Buy at $125.76?
Welcome to the C (Citigroup Inc.) Roar Pit. Current RQD Composite is 39/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH
🎯 Target: $103.12 (-18.0%)
Spot @ $125.76 Pump the brakes on C — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on C, but look at what you are paying: 14.7x trailing P/E with tightening sector spreads. Unless Citigroup Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
MI MidwestValue Verified K Arena Trader 🐂 BULLISH
🎯 Target: $152.17 (+21.0%)
Spot @ $125.76 C cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on C, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $125.76 (52-wk range $95.83 - $147.96), any beat on forward guidance forces shorts and underweight funds to chase.