Back to all assets

Citigroup C

equity

Price History

$15$204.64$394.27$583.91
1985-01 · DCA start$21.11

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%
1985-012026-08 · -76.4%

Worst drawdown: −97%, peaking Aug 2000 and bottoming Feb 2009 — still unrecovered after 312 months.

DCA Backtest

Invested
$50,000
Value today
$124,666
Return
+149.3%
Months invested
500

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $90,910 today, so the real (inflation-adjusted) return is +37.1%.

Lump sum instead — $50,000 all at once in Jan 1985: $325,816 (+551.6%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Aug 2000): $61,822 on $31,300 invested (+97.5%).

⚠ 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
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1985-01: +149.3%

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 $240.7B.

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)2/523.3
  • Max drawdown from ATH5/597.4
  • Beta vs S&P 5005/51.8
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/51.7bn
  • 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.