Citigroup Inc.

C · Financial Services · · USD

140.96 USD

+0.00 (0.99%)

● Updated 2026-07-10 19:08 Saudi Time ↻ Refresh

Short-term Mid-term Long-term

Fahodi Score HOLD Long-term (Investment)

/ 100

Technical 75

Trend & RS 97

Momentum 69

Fundamental 32

Macro 71

Liquidity 44

Component	Score	Weight
Technical	75.0	10%
Trend & RS	96.8	10%
Momentum	69.1	5%
Fundamental	31.8	40%
Macro	71.2	15%
Liquidity	43.8	20%

Trade Setup

Entry	141.00
Stop Loss	134.26 (4.8%)
Target 1 (1:1)	147.74 (+4.8%)
Target 2 (2:1)	154.48 (+9.6%)

ATR(14)	3.37 (2.4%)
Risk per Share	6.74
Reward:Risk	2:1

ATR-based levels. Adjust for support/resistance zones.

Factor Profile

Factor	Score	Z
Value	82.2	+1.29
Momentum	69.1	+0.76
Quality	48.0	-0.08
Composite	66.4

Quality Scores

Piotroski F-Score 5 /9 — Average

✓ ✓ ✗ ✗ ✗ ✗ ✓ ✓ ✓

1. Positive Net Income 2. Positive Roa 3. Positive Cfo 4. Quality Earnings 5. Lower Leverage 6. Higher Liquidity 7. No Dilution 8. Higher Gross Margin 9. Higher Asset Turnover

Altman Z-Score 0.40 — Distress Zone

Distress <1.81Grey 1.81–2.99>2.99 Safe

Valuation vs Peers Undervalued

Metric	Stock	Sector	vs Peers
P/E Ratio	17.4	18.0	Inline
P/B Ratio	1.3	2.5	Below
Dividend Yield	1.7%	2.0%	Below avg

Comparing against Financial Services median multiples.

Trading at a discount to sector peers — potential value opportunity.

Intrinsic Value (DCF) Undervalued

Intrinsic Value

177.99

Market Price

140.96

Upside

+26.3%

Margin of Safety	+20.8%
Stage 1 PV (5yr FCF)	66,684,056,284
Terminal Value PV	236,887,161,547
Total Enterprise Value	303,571,217,831

Assumptions

Base FCF	11,052,138,668
Growth Rate (5yr)	15.9%
Terminal Growth	2.5%
Discount Rate (WACC)	9.0%

2-stage DCF: 5yr projected FCF + Gordon Growth terminal value. Estimates only — adjust growth and WACC for your own assumptions.

Position Sizing — Kelly Criterion

4.8%

Recommended Size

34.52%

Full Kelly

17.26%

Half Kelly

5.0%

Max Cap (Moderate)

Kelly inputs derived from quant score 53/100. Estimated win rate 56%, avg win 8.2%, avg loss 3.9%. Position was capped at the moderate risk maximum. This is analytical output, not a recommendation to trade.

RECOVERY Regime: RECOVERY (20% confidence) — position size reduced 4%

Signal Summary STRONG BUY

Bullish Signals

Bearish Signals

55.14

RSI(14)

1.9598

MACD

Relative Strength (RS) IMPROVING

/ 99

RS Rating

✓ O'Neil PASS (≥80)

RS vs SPY	↑ RISING (+2.4% vs SPY 3M)
RS vs Sector	OUTPERFORMING (Financial Services)
RS New High	No (12d since high)
Sector Outperformance	+4.8% (3M)

RS Line — stock / SPY (90 bars)

← older newer →

RS vs SPY 50-day SMA of RS

IMPROVING: Gaining momentum — the stock is starting to outperform the market. Watch for RS new high confirmation.

Technical Indicators

Indicator	Value	Signal
Rsi	55.14	NEUTRAL
Macd	1.9598	BEARISH
Ma Cross	133.13 / 115.57	GOLDEN CROSS
Trend Short		ABOVE SMA50
Trend Long		ABOVE SMA200
Bollinger		MIDDLE
Volume	0.16x	LOW

Key Levels

Level	Price
52-Week High	147.96
Bollinger Upper	146.43
SMA(200)	115.57
SMA(50)	133.13
SMA(20)	141.75
Current Price	140.96
Bollinger Lower	137.08
52-Week Low	85.62
ATR(14)	3.37

Advanced Technical Analysis

Click to expand

Wyckoff Phase & Volume Spread Analysis

Wyckoff Phase

ACCUMULATION A Confidence

100%

Selling Climax

Acc: 2.0 | Dist: 0.0 | Markup: 0.0 | Markdown: 0.0

Volume Spread Analysis (last 5 bars)

Date	Signal	Vol	Description
2026-07-06	Normal	1.07x	Normal bar — no special VSA pattern
2026-07-07	Normal	0.74x	Normal bar — no special VSA pattern
2026-07-08	Normal	0.74x	Normal bar — no special VSA pattern
2026-07-09	Normal	0.78x	Normal bar — no special VSA pattern
2026-07-10	No Supply	0.16x	Low volume, narrow spread, firm close — no selling pressure

Ichimoku Cloud BULLISH

Line	Value	Status
Tenkan-sen (9)	140.93	Above Kijun
Kijun-sen (26)	138.12	Base line
Senkou A	139.52	Leading span A
Senkou B	133.86	Leading span B
Cloud	133.86 – 139.52	Bullish (Green)
Price vs Cloud	141.00	Above Cloud
Chikou Span	129.93	Bullish
Alignment Score	4/4	BULLISH