InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$124.25

2026-10-16

Market Cap

$208.4B

Volume

10.3M

52-Wk High

$147.96

52-Wk Low

$95.00

Trailing PE

12.0

P/S

1.35

Gross Margin

53.7%

Net Margin

12.5%

ROE

9%

ROIC

2%

Piotroski

4/9

Altman Z

0.1

1-Yr Return

+31.8%

5-Yr Return

+149.2%

Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which offers cross-border support for clients, providing on-the-ground local market expertise, post-trade technologies, customized data solutions, and a wide range of securities services solutions that can be tailored to meet client needs. The Markets segment provides corporate, institutional, and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products, and commodities. The Banking segment offers Investment Banking and Corporate Lending services. The Wealth segment includes Private Bank, Wealth at Work, and Citigold and provides financial services to a range of client segments through banking, lending, mortgages, investment, custody, and trust product offerings. The USPB segment includes Branded Cards and Retail Services, which have proprietary card portfolios and co-branded card portfolios within Branded Cards, and co-brand and private label relationships within Retail Services. The All Other segment consists of activities not assigned to the reportable operating segments, including certain unallocated costs of global functions, other corporate expenses, and net treasury results. The company was founded in 1812 and is headquartered in New York, NY.

SectorFinancial ServicesIndustryBanks - DiversifiedExchangeNYSEMarket Cap$208.4BEmployees226,000 (SEC-filed)CEOJane Nind FraserIPO1977-01-03CountryUS

388 Greenwich Street, New York, NY 10013 · Tel 212 559 1000 · citigroup.com

INSIDERSTREET SCORE16 / 100Street mean $145.57 (7 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$5M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · C +31.8% · S&P 500 +15.9% · spread +16.0pp

7 Years vs S&P 500 · C +149.2% · S&P 500 +189.9% · spread -40.7pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

INSIDERSTREET
SCORE16of 100

Score Breakdown

Profitability	43/100
Growth	59/100
Momentum	14/100
Quality	3/100
Earnings Quality	37/100
Balance Sheet	44/100
Value	80/100
Risk (safety)	80/100
Overall	16.4/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
WFC	43
UBS	24
HSBC	55
BAC	55
JPM	54
AXP	56
C	16

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 40 in 23 Q1, latest 16 — -24 since. Dropped below the 40 line in 23 Q2, at 8. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY16 / 100IS Score 16.4 / 100 · -23.6 from peak of 40

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBEARISHTechnical Score 17 / 100 · Power -66 · 2 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit below the midpoint — business quality at 16 and price structure at 17 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 16.4	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 12 → 9 → 13 → 16	the direction matters more than the level
Technical vote share back above 50%	now 9%	price structure no longer broken
Institutional holder count rises two quarters running	peak 2,650 → now 2,650	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)3 buys2026-09-24

Insider Buys (180d)0none disclosed

ETF Funds (30d)1355 up / 1342 downnet +13 funds

Institutions Added (13F)176managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 2,650 · latest 2,650 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	2,650	1349.8M	$182.1B	79.4%
2026 Q1	2,474	1329.5M	$146.0B	78.2%
2025 Q4	2,466	1385.8M	$155.6B	81.5%
2025 Q3	2,217	1379.2M	$134.7B	81.1%
2025 Q2	2,069	1432.8M	$118.1B	84.2%
2025 Q1	2,029	1447.9M	$104.3B	85.1%
2024 Q4	1,997	1422.7M	$97.0B	83.6%
2024 Q3	1,791	1402.9M	$85.2B	82.5%
2024 Q2	1,793	1396.0M	$85.2B	82.1%
2024 Q1	1,783	1386.9M	$84.1B	81.5%
2023 Q4	1,676	1375.7M	$69.0B	80.9%
2023 Q3	1,521	1355.8M	$54.9B	79.7%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Von Koskull Casper Wilhelm	director	2026-10-01	A-Award	6	$0.00M	7,143
Von Koskull Casper Wilhelm	director	2026-10-01	A-Award	27	$0.00M	5,351
Turley James S	director	2026-10-01	A-Award	6	$0.00M	2,818
Turley James S	director	2026-10-01	A-Award	201	$0.03M	39,649
Taylor Diana L	director	2026-10-01	A-Award	6	$0.00M	1,281
Taylor Diana L	director	2026-10-01	A-Award	308	$0.04M	60,798
Reiner Gary M	director	2026-10-01	A-Award	417	$0.05M	50,148
Moulds Jonathan Paul	director	2026-10-01	A-Award	6	$0.00M	1,281

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	3	39,849	$5.2M	Counted
F — Tax withholding	2	107,081	$13.7M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$5.2M3 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$100,001 - $250,000	2026-09-24	2026-10-09
Maria Elvira Salazar	House	SELL	$1,001 - $15,000	2026-09-24	2026-10-08
Ro Khanna	House	BUY	$1,001 - $15,000	2026-09-04	2026-10-09
Shelley Moore Capito	Senate	SELL	$1,001 - $15,000	2026-06-16	2026-07-06
Shelley Moore Capito	Senate	SELL	$1,001 - $15,000	2026-06-16	2026-07-06
Markwayne Mullin	Senate	BUY	$15,001 - $50,000	2026-02-04	2026-03-02

House 12-Mo22 trades21 purchases

Senate 12-Mo9 trades5 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)2,474

13F Shares1.33B78.2% of shares out

New / Closed211 / 155positions, QoQ

Increased / Reduced977 / 981positions, QoQ

Put/Call (13F)0.96option positions

Free Float99.7%1.67B sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Sarasin & Partners Llp	1.8M	$228M
Td Waterhouse Canada Inc.	1.1M	$146M
Davenport & Co Llc	723,565	$94M
Wealth Enhancement Advisory Servic	599,483	$59M
Deprince Race & Zollo Inc	589,515	$76M
Artemis Investment Management Llp	524,114	$68M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.3%	$6.8B
VTI	0.3%	$6.8B
VTSAX	0.3%	$6.8B
VSMPX	0.3%	$6.8B
VFFSX	0.3%	$5.6B
VFINX	0.3%	$5.6B

13F Filers Holding C — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session36.0%2026-10-15

20-Day Avg28.8%50-day 34.8%

TrendFalling20d vs 50d

By Market CenterQ: 36% · N: 37% · B: 42%latest session

Weekly Notional ($B)

Where C Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	8.7M	69 sh
Ubsa Ubs Ats	7.3M	61 sh
Ebxl Level Ats	5.7M	41 sh
Mstx Ms Trajectory Cross (Ats-1)	4.2M	67 sh
Sgmt Sigma X2	4.0M	67 sh
Mlix Instinct X	3.2M	92 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of Citigroup Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
North America	$44.0B	85%
EMEA	$7.6B	15%

C (live moat model)Peer median: WFC · UBS · HSBC · BAC · JPM

Component scores from the live moat model. Peer median illustrative.

Moat score 44/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Officer	Title
Viswas Raghavan	Executive Vice Chairman & Head of Banking
Andrew J. Morton	Head of Markets
Mark Mason	Executive Vice Chairman and Senior Executive Advisor to Chair & CEO
Ernesto Torres Cantu	Head of International

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)5 of 6recent quarters

Avg Surprise+8.5%

Next Report2027-01-14

Income Quality-1.03OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	-10.1%	+25.5%	+55.0%	+9.9%	-1.4%
Gross profit	+30.4%	-8.5%	-2.1%	+4.7%	+5.4%
Operating income	+101.5%	-31.5%	-31.4%	+32.0%	+16.3%
Net income	+98.7%	-32.4%	-37.8%	+37.4%	+12.5%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	79.9	100.2	155.4	170.7	168.3
Cost of revenue	4.1	30.9	87.5	99.6	93.3
Gross profit	75.8	69.4	67.9	71.1	75.0
R&D expense	0.0	0.0	0.0	0.0	2.3
SG&A expense	26.7	28.3	30.7	29.7	39.4
Operating income	27.5	18.8	12.9	17.0	19.8
EBITDA	31.4	23.1	17.5	21.4	23.1
D&A	4.0	4.3	4.6	4.3	3.3
Pretax income	27.5	18.8	12.9	17.0	19.8
Income tax	5.5	3.6	3.5	4.2	5.4
Net income	22.0	14.8	9.2	12.7	14.3
Diluted EPS ($)	10.14	7.00	4.04	5.95	6.99
Diluted shares (M)	2,049	1,964	1,956	1,901	1,863

Operating CF$29B

CapEx$7B

Free cash flow$22B

SBC$0B

Buybacks$18B

Net cash change$0B

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	342.0	260.9	276.5	349.6
ST investments	238.7	245.1	221.5	325.9
Receivables (net)	54.5	54.2	51.1	62.7
Total current assets	635.3	560.2	549.1	738.1
PP&E (net)	26.3	28.7	30.2	33.3
Goodwill + intangibles	24.1	24.5	23.8	23.4
Total assets	2,416.7	2,411.8	2,352.9	2,657.2
Accounts payable	69.2	63.5	66.6	74.8
Short-term debt	249.5	315.6	303.3	400.0
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	1,855.4	1,843.1	1,788.2	1,530.3
Long-term debt	271.6	286.6	287.3	315.8
Total liabilities	2,214.8	2,205.6	2,143.6	2,443.4
Shareholders' equity	201.8	206.3	209.4	213.8

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	15.1	9.2	12.7	14.1
D&A	4.3	4.6	4.3	0.0
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	19.6	(99.4)	(59.0)	(2.5)
Operating cash flow	25.1	(73.4)	(19.7)	28.8
Capital expenditures	(5.6)	(6.6)	(6.5)	(6.5)
Investing cash flow	(79.5)	(8.5)	86.2	(204.7)
Buybacks	(3.2)	(6.1)	(7.5)	(18.2)
Dividends paid	(5.0)	(5.2)	(5.2)	(5.4)
Debt issuance / (repay)	66.8	(8.8)	17.2	115.4
Financing cash flow	137.8	0.7	(38.3)	238.0
Free cash flow	19.4	(80.0)	(26.2)	22.3

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	10.9%	7.4%	4.5%	6.1%	6.8%	9%
ROA	1.0%	0.6%	0.4%	0.5%	0.6%	0.7%
ROIC	16.4%	10.7%	3.1%	4.3%	5.7%	1.8%
Gross margin	94.9%	69.2%	43.7%	41.7%	44.6%	53.7%
Operating margin	34.4%	18.8%	8.3%	10.0%	11.8%	17.3%
Net margin	27.5%	14.8%	5.9%	7.4%	8.5%	12.5%
EBITDA margin	39.4%	23.0%	11.2%	12.5%	13.7%	19.5%
FCF margin	72.1%	35.7%	-51.0%	-15.3%	-44.1%	—
VALUATION
P/E	4.75	5.34	9.99	10.43	15.23	12.0
P/B	0.52	0.39	0.45	0.63	1.02	1.1
P/S	1.32	0.79	0.59	0.78	1.29	1.35
P/FCF	1.82	2.21	-1.15	-5.05	-2.93	-8.5
EV/EBITDA	1.16	0.85	10.78	10.53	10.65	22.3
EV/Revenue	0.46	0.20	1.20	1.32	1.53	4.4
Earnings yield	21.1%	18.7%	10.0%	9.6%	6.6%	8.45%
FCF yield	54.8%	45.2%	-86.8%	-19.8%	-34.1%	-11.76%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.34	0.34	0.30	0.31	0.48	0.86
Quick ratio	0.34	0.34	0.30	0.31	0.48	0.86
Debt / equity	2.35	2.59	2.93	2.83	3.37	3.90
Debt / assets	20.7%	21.6%	25.0%	25.1%	26.9%	27.8%
Net debt / EBITDA	-2.15	-2.58	5.51	4.33	1.67	15.41
Interest coverage	3.89	0.73	0.16	0.19	0.24	—

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.03	0.04	0.06	0.07	0.07	0.05
Receivables turnover	1.60	1.85	2.90	3.26	2.97	0.3
DSO (days)	228	197	126	112	123	1217
DPO (days)	6427	773	277	238	277	616
Cash conversion cycle	-6198	-576	-151	-126	-153	601
GROWTH (YoY)
Revenue growth	-11.1%	26.8%	56.2%	8.8%	-1.4%	—
Net income growth	104.8%	-32.4%	-37.8%	37.4%	12.5%	—
EPS growth	114.5%	-30.8%	-36.3%	35.9%	16.6%	—
FCF growth	337.4%	-37.2%	-323.1%	67.3%	-183.4%	—
PER SHARE ($)
EPS (diluted, TTM)	10.97	7.59	4.83	6.57	7.66	10.50
Book value / share	100.91	102.86	107.58	108.03	113.98	115.01
Revenue / share	39.56	51.32	82.10	88.36	90.36	83.74
FCF / share	28.54	18.34	-41.89	-13.55	-39.81	-13.31
Cash / share	270.45	296.93	264.96	257.91	362.63	794.34
SHAREHOLDER RETURN & SCORES
Buyback yield	10.9%	4.1%	6.6%	5.7%	8.4%	8.77%
Altman Z-Score	-0.39	-0.40	-0.42	-0.38	-0.10	0.1
Piotroski F-Score	7	6	3	5	5	4/9
Beneish M-Score	-2.47	-1.79	-1.96	-2.54	-2.29	-2.25

Model	Score	Zone	Note
Piotroski F-Score	4 / 9	Middling
Altman Z-Score	0.1	Distress (<1.81)	Distress
Income quality	-1.03	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-2.25	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.72
Interest burden	1.00
Operating margin	14.2%
Asset turnover	0.06×
Financial leverage	12.97×
= ROE	8%

Growth Quality (live)	Value
Revenue stability	0.90
Earnings stability	0.13
Earnings persistence	0.90
Revenue CAGR 3y	10.2%
EPS CAGR 3y	14.3%
FCF CAGR 3y	—

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield8.77%

Dividend Yield1.99%

Total Shareholder Return9.98%cash yield

SBC / Revenue0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
WFC	$253.6B	11.6	13%	19.1%	+5.5%	5/9	+0.4%
UBS	$146.0B	16.1	10%	15.6%	+1.4%	5/9	+22.7%
HSBC	$324.6B	13.5	14%	23.2%	+8.7%	7/9	+44.1%
BAC	$358.2B	12.0	11%	18.4%	+3.0%	8/9	+2.1%
JPM	$903.0B	14.2	18%	25.7%	+8.0%	8/9	—
AXP	$211.8B	19.0	34%	14.4%	+9.4%	9/9	—
BLK	$175.7B	25.5	12%	21.4%	+24.7%	6/9	—
GS	$256.6B	12.5	17%	17.2%	-6.8%	5/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

27 Analysts

Str Sell (0)Sell (1)Hold (9)Buy (17)Str Buy (0)

Mean Target (qtr)$145.577 targets

Target vs. Price+17.2%last-quarter mean

Next Report2027-01-14street $2.28

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$96.05B	$96.91B / $94.07B	$11.32	$11.67 / $10.64	11
FY2027	$100.05B	$103.12B / $98.16B	$12.86	$13.29 / $12.57	13
FY2028	$104.36B	$106.65B / $101.82B	$14.82	$15.64 / $13.85	14

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$146.17	+17.6%	6
Last Quarter	$145.57	+17.2%	7
Last Year	$140.95	+13.4%	41
All Time	$104.10	-16.2%	100

Rolling mean of published targets vs. last close $124.25. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

C+

DCF

1/5

ROE

3/5

ROA

2/5

Debt/Eq

1/5

P/E

3/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

C +31.8% vs S&P 500 +15.9% — spread +16.0pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$129.06	-4.81	-3.73%	Below
SMA 50	$132.67	-8.42	-6.35%	Below
SMA 200	$125.64	-1.39	-1.11%	Below
EMA 9	$126.10	-1.85	-1.47%	Below
EMA 21	$128.62	-4.37	-3.40%	Below
EMA 50	$131.11	-6.86	-5.23%	Below
EMA 200	$124.17	+0.08	+0.06%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBEARISHPower Score -662 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%11

Momentum 25%0

Volume 20%31

Volatility 10%0

Patterns 15%50

This Week9% bullishof 11 price-based votes

4 Weeks Ago27%-18 pts since

12 Weeks Ago18%-9 pts since

ReadStabilizingweek-over-week trajectory

Price vs SMA 20$129.06

Price vs SMA 50$132.67

Price vs SMA 200$125.64

EMA 9/21 Cross126.1/128.6

SMA 50/200Golden

ADX DirectionADX 23

Supertrend$132

Parabolic SAR$133

SMA Slope-0.380

RSI38.4

Stochastic K/D20/21

StochRSI K/D14/19

Williams %R-69

CCI-98

TSI vs Signal-22.0

CMO-23.1

ROC-3.30%

OBV SignalDistrib

Chaikin MF0.020

MFI41

Force Index-13M

Elder Ray Bull-1.40

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 21

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$122.29 / $124.37 / $125.54	S1 / S2	$121.12 / $119.04
Bollinger (20,2)	$122.10 – $136.02	Squeeze	Off
52-wk range	$93.03 – $147.22	Off 52-wk high	-15.6%
ATR (14)	$3.47 (2.8%)	Historical vol	29.2%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-2.0%Jan40%

-4.9%Feb40%

+3.1%Mar38%

+3.5%Apr70%

+0.3%May50%

-2.0%Jun45%

+2.6%Jul75%

+1.6%Aug50%

-0.1%Sep50%

+0.5%Oct60%

+1.2%Nov65%

+0.9%Dec50%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	C	S&P 500
Weekly volatility (σ, 1y)	3.45%	1.83%
Best / worst week (1y)	+8.8% / -6.2%	—
Max drawdown (5y, monthly)	-52.0%	—
1-week VaR (95%)	-4.5%	—
Beta (5y)	1.10	1.00

C EQUITY WEATHER (LIVE)STORMY · -42

Trend-46

Momentum-37

Volume-38

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 767 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-41.9-19.6 vs industry

Trend-46.0-18.5 vs industry

Momentum-37.1-36.0 vs industry

Volume-37.9-9.9 vs industry

Reading	C	Banks - Diversified n=179	Financial Services n=24,134	All US symbols n=70,435
Overall	-41.9	-22.3	-16.3	-20.5
Trend	-46.0	-27.5	-12.5	-21.3
Momentum	-37.1	-1.2	-4.4	-15.8
Volume	-37.9	-28.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
James Forese President, Citi; CEO, Instituti	$16.2M	58% equity+incentive
Michael Corbat CEO	$14.6M	48% equity+incentive
Stephen Bird CEO, Global Consumer Banking	$9.3M	52% equity+incentive
John Gerspach CFO	$8.3M	53% equity+incentive
Don Callahan Head of Operations & Technology	$7.6M	58% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	67
Social	77
Governance	70
Composite ESG	71

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2021-01-15 to 2026-10-13
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	81 rows · 1987 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-10-01
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Citigroup Inc. (C)

Citigroup Inc. (C)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Citigroup Inc. (C)

Institutions holding — 12 quarters

Citigroup Inc. (C)

Monthly Net Insider Flow (000 shares)

Signal Summary

Citigroup Inc. (C)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding C — quarterly

Institutional Put/Call — quarterly

Where C Trades in the Dark

Citigroup Inc. (C)

3.8 · Employees (SEC filings)

Citigroup Inc. (C)

Citigroup Inc. (C)

Citigroup Inc. (C)

Citigroup Inc. (C)

Balance Sheet — Full

Cash Flow Statement — Full

Citigroup Inc. (C)

Citigroup Inc. (C)

Citigroup Inc. (C)

Citigroup Inc. (C)

Street Price Target — Trajectory

Third-Party Composite Rating

Citigroup Inc. (C)

Citigroup Inc. (C)

Family Scores (site weights)

Citigroup Inc. (C)

Citigroup Inc. (C)

Citigroup Inc. (C)