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Citigroup C

equity

Price History

The shaded fan is where this price has historically travelled over the months after a close like today’s. It is not a forecast: it has no view on direction, only on distance.

$39.49$79.58$119.67$159.75
2021-102026-09 · $131.77

Over 3 months from Sep 2026, roughly two-thirds of past moves landed between $117.21 and $148.13; nine in ten between $108.69 and $159.75.

Tested against this asset’s own history: across 486 past 3-month windows, the price actually landed inside the two-thirds band 72% of the time. The gap from 68% is the model’s error — real returns have fatter tails than the maths assumes, so the band gets breached more often than it claims.

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-97.4%-65.0%-32.5%-0.0%
1985-012026-09 · -77.4%

Worst drawdown: −97%, peaking Aug 2000 and bottoming Feb 2009 — still unrecovered after 313 months.

DCA Backtest

Invested
$50,100
Value today
$119,506
Return
+138.5%
Months invested
501

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $91,370 today, so the real (inflation-adjusted) return is +30.8%.

Lump sum instead — $50,100 all at once in Jan 1985: $312,681 (+524.1%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Aug 2000): $59,315 on $31,400 invested (+88.9%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
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Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1985-01: +138.5%

About Citigroup

Citigroup Inc. or Citi is an American multinational investment bank and financial services company based in New York City. The company was formed in 1998 by the merger of Citicorp, the bank holding company for Citibank, and Travelers; Travelers was spun off from the company in 2002. (Wikipedia)

It's a listed company categorised under financials and diversified banks, with a market cap of about $230.5B.

It rates Medium-High Risk at 2.5/5, meaning real but ordinary risk — the kind most mainstream assets carry, with some factors scoring poorly.

What pushes the score up: market / volatility (4.0/5) and sector / regulatory (4.0/5).

Scoring well: leverage / financial at 1.0/5.

Not yet researched: concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-High Risk(2.5/5)80% rated

How these ratings work

Market / Volatility4.0/5 · weight 20%
  • Annualised volatility (3yr)2/523.4
  • Max drawdown from ATH5/597.4
  • Beta vs S&P 5005/51.8
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/51.6bn
  • Float % of shares outstandingnot yet researched
Leverage / Financial1.0/5 · weight 20%
  • Debt / equity1/51.7
  • Interest coverage (EBIT / interest)not yet researched
Earnings Quality3.0/5 · weight 15%
  • 3yr EPS volatility3/520.8
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.