C
Citigroup Inc. Financial Services - Banking Investor Relations →
Citigroup Inc. (C) closed at $132.45 as of 2026-07-31, trading 89.4% above its 200-week moving average of $69.94. The stock is currently moving closer to the line, down from 90.3% last week. The 14-week RSI sits at 56, indicating neutral momentum.
Trading volume is running at 1.1x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.86 ratio) is neutral — neither side is clearly dominating.
Over the past 2538 weeks of data, C has crossed below its 200-week moving average 20 times. On average, these episodes lasted 44 weeks. Historically, investors who bought C at the start of these episodes saw an average one-year return of +7.2%.
With a market cap of $222.2 billion, C is a large-cap stock. Return on equity stands at 8.5%. The stock trades at 1.1x book value.
The company has been aggressively buying back shares, reducing its share count by 9.8% over the past three years.
Over the past 33.6 years, a hypothetical investment of $100 in C would have grown to $638, compared to $3098 for the S&P 500. C has returned 5.7% annualized vs 10.8% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -100% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: C vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After C Crosses Below the Line?
Across 11 historical episodes, buying C when it crossed below its 200-week moving average produced an average return of +20.5% after 12 months (median +24.0%), compared to +9.1% for the S&P 500 over the same periods. 64% of those episodes were profitable after one year. After 24 months, the average return was +20.2% vs +26.9% for the index.
Each line shows $100 invested at the moment C crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. C currently has negative free cash flow, so price-based dislocation levels are not available. The score still tracks yield deviation from baseline.
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from C's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
C has crossed below its 200-week MA 20 times with an average 1-year return of +7.2% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Dec 1977 | Apr 1978 | 16 | 10.0% | -7.7% | +1919.7% |
| Sep 1978 | Oct 1978 | 2 | 1.2% | +1.0% | +1906.8% |
| Oct 1978 | Jun 1979 | 35 | 9.7% | -2.1% | +2059.0% |
| Jul 1979 | Aug 1979 | 3 | 0.0% | -18.1% | +1919.7% |
| Oct 1979 | Mar 1981 | 77 | 25.8% | -13.7% | +1946.1% |
| Aug 1981 | Jan 1983 | 73 | 24.6% | -16.7% | +2176.8% |
| Jan 1983 | Mar 1983 | 6 | 7.2% | +75.3% | +2434.9% |
| Oct 1987 | May 1990 | 133 | 34.2% | -4.3% | +1091.1% |
| Aug 1990 | Feb 1991 | 25 | 35.5% | +14.8% | +1108.5% |
| Sep 2001 | Sep 2001 | 1 | 4.2% | -19.6% | -30.9% |
| Jun 2002 | May 2003 | 50 | 31.2% | +20.1% | -38.2% |
| Oct 2007 | Oct 2012 | 261 | 97.0% | -62.9% | -54.4% |
| Nov 2012 | Dec 2012 | 4 | 4.4% | +39.1% | +400.7% |
| Jan 2016 | Oct 2016 | 41 | 19.5% | +32.5% | +288.2% |
| Oct 2016 | Nov 2016 | 1 | 1.1% | +56.0% | +268.4% |
| Dec 2018 | Jan 2019 | 5 | 12.2% | +42.8% | +211.0% |
| Mar 2020 | Dec 2020 | 42 | 39.5% | +19.5% | +169.7% |
| Jan 2021 | Feb 2021 | 1 | 3.6% | +14.0% | +173.4% |
| Dec 2021 | Jan 2022 | 4 | 2.1% | -23.1% | +155.6% |
| Feb 2022 | Dec 2023 | 94 | 27.6% | -3.6% | +172.1% |
| Average | 44 | — | +7.2% | — |
Frequently Asked Questions
Is C below its 200-week moving average?
No. Citigroup Inc. (C) is currently 89.4% above its 200-week moving average of $69.94. It would need to fall to $69.94 to cross below the line.
What is C's 200-week moving average price?
Citigroup Inc.'s 200-week moving average is $69.94 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when C drops below its 200-week moving average?
C has crossed below its 200-week moving average 20 times in our data. On average, buying at that moment produced a one-year return of +7.2%. These dips have historically been decent entry points. These episodes lasted 44 weeks on average.
Is C a good value right now?
Here's what our data says about C as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 56. Return on equity is 8.5%. Price-to-book is 1.1x. This is not a buy or sell recommendation — always do your own research.
How does C compare to the S&P 500?
Over the past 33.6 years, $100 invested in C would have grown to $638, compared to $3098 for the S&P 500. That's 5.7% annualized vs 10.8% for the index. C has underperformed the broader market over this period.
Does C pay a dividend?
Yes. Citigroup Inc. currently pays a dividend yield of 203.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31