Citigroup (XSWX:C) Moat Score: 6/10 (As of Jun. 27, 2026)


XSWX:C Citigroup Inc XSWX:C
74 GF Score
Price CHF116.20
GF Value CHF65.56
! 8 Warning Signs
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What is Citigroup Moat Score?

Citigroup XSWX:C -1.60% 74 Moat Score is 6 as of Jun. 27, 2026. GuruFocus rates XSWX:C with a GF Score™ of 74/100 and a GF Value™ of CHF65.56. The stock has 8 warning signs investors should review. Among 1,610 Banks companies, Citigroup ranks better than 97.76% on this metric.

Citigroup has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Citigroup has Narrow Moat: Citigroup has a strong global brand and significant market share in financial services. It benefits from economies of scale and regulatory barriers. However, intense competition and limited customer switching costs prevent a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Citigroup might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Citigroup  (XSWX:C) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Citigroup Moat Score Related Terms

XSWX:C vs WFC, BNY, BAC: Moat Score Comparison

For the Banks - Diversified subindustry, Citigroup's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Citigroup Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Citigroup's Moat Score distribution charts can be found below:

* The bar in red indicates where Citigroup's Moat Score falls into.


XSWX:C
74GF Score
Citigroup Inc XSWX:C
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Citigroup (XSWX:C) has a Moat Score of 6 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Citigroup ranks #36 out of 1610 companies in the Banks industry, placing it in the top 2.2%.
Is Citigroup's Moat Score too high?
Citigroup's current Moat Score is 6. Based on the distribution chart, Citigroup ranks #36 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Citigroup has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does Citigroup's Moat Score compare to WFC and BNY?
According to the Banks industry distribution chart, Citigroup ranks #36 out of 1610 companies for Moat Score. This places Citigroup in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Citigroup's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citigroup stock overvalued right now?
Citigroup (XSWX:C) has a current Moat Score of 6. The stock's GF Value™ is CHF65.56, compared to a current price of CHF116.20 — trading 77.2% above its estimated fair value. The current Moat Score is 6. Citigroup's overall GF Score™ is 74/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Citigroup (XSWX:C), the current Moat Score is 6 as of Jun. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citigroup (XSWX:C) Overvalued in 2026?

Based on GuruFocus' analysis, Citigroup stock appears to be overvalued. The current stock price of CHF116.20 is trading 77.2% above its estimated GF Value™ of CHF65.56.

Key valuation signals for XSWX:C:

  • Moat Score: 6
  • GF Value™: CHF65.56 vs. price of CHF116.20 (77.2% above fair value)
  • GF Score™: 74/100 with 8 warning signs

No single metric tells the full story. See the XSWX:C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citigroup Business Description

Address 388 Greenwich Street, New York, NY, USA, 10013
Citigroup is a global financial powerhouse that orchestrates the movement of $5 trillion in daily transaction volume, serving as the essential connective tissue for the world's most complex multinational corporations. The firm remains a leader on the global stage, servicing 90% of the Fortune 500 through a proprietary network that includes direct membership to over 270 cash-clearing centers and a footprint that spans 94 countries. After a checkered history operating as an overly complex, disjointed firm, steps have been taken to streamline operations, resulting in organization across five segments: services, markets, banking, wealth, and US personal banking.
74GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF116.20
Price
CHF65.56
GF Value