CitigroupBUE:C +1.49%53 Net Margin % is 23.46% as of Mar. 2026, which is 28% above its 10-year median of 18.36. GuruFocus rates BUE:C with a GF Score™ of 53/100 and a GF Value™ of ARS39,808.79 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, Citigroup ranks worse than 74.79% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Citigroup's Net Income for the
three
months ended in Mar. 2026 was ARS8,088,848 Mil. Citigroup's Revenue for the
three
months ended in Mar. 2026 was ARS34,484,919 Mil. Therefore, Citigroup's net margin for the quarter that ended in Mar. 2026 was 23.46%.
The historical rank and industry rank for Citigroup's Net Margin % or its related term are showing as below:
BUE:C'
s Net Margin % Range Over the Past 10 Years
Min: -9.38 Med: 18.36 Max: 30.54
Current: 18.19
BUE:C's Net Margin % is ranked worse than 74.79% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BUE:C: 18.19
Citigroup (BUE:C) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Citigroup Net Margin % Related Terms
Citigroup Net Margin % Historical Data
* Premium members only.
The historical data trend for Citigroup's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Diversified subindustry, Citigroup's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citigroup's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citigroup's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citigroup (BUE:C) has a Net Margin % of 23.46% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Citigroup and its competitors. This is 28% above median its historical median of 18.36. According to the industry distribution chart, Citigroup ranks #1142 out of 1527 companies in the Banks industry, placing it in the top 74.8%.
Is Citigroup's Net Margin % too high?
Citigroup's current Net Margin % of 23.46% is 28% above median its 10-year median of 18.36. The Banks industry median Net Margin % is 26.95. Citigroup's value of 23.46% is 12.9% below this industry median. Based on the distribution chart, Citigroup ranks #1142 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Citigroup has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citigroup's Net Margin % compare to WFC and BNY?
According to the Banks industry distribution chart, Citigroup ranks #1142 out of 1527 companies for Net Margin %. This places Citigroup in the lower half of its industry. The industry median Net Margin % is 26.95. Citigroup's value of 23.46% is 12.9% below this benchmark. While the company's 10-year median is 18.36 vs. the industry median of 26.95, Citigroup has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citigroup's current Net Margin % of 23.46% is 12.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Citigroup and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citigroup's current Net Margin % is 23.46%, which is 28% above median its own 10-year median of 18.36. 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?
Based on GuruFocus' analysis, Citigroup (BUE:C) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS39,808.79, compared to a current price of ARS75,050.00 — trading 88.5% above its estimated fair value. The current Net Margin % is 23.46%, which is 28% above median its 10-year median of 18.36 and 12.9% below the Banks industry median of 26.95. Citigroup's overall GF Score™ is 53/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Citigroup (BUE:C), the current Net Margin % is 23.46% as of Mar. 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 (BUE:C) Overvalued in 2026?
Based on GuruFocus' analysis, Citigroup stock appears to be overvalued.
The current stock price of ARS75,050.00 is trading 88.5% above its estimated GF Value™ of ARS39,808.79.
GuruFocus considers Citigroup to be Significantly Overvalued.
Key valuation signals for BUE:C:
Net Margin %: 23.46% (28% above median its 10-year median of 18.36)
GF Value™: ARS39,808.79 vs. price of ARS75,050.00 (88.5% above fair value)
Industry Position: 12.9% below the Banks median (#1142 of 1527)
No single metric tells the full story. See the BUE:C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
53GF Score
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