Question 1

Is C a buy according to UQS?

Accepted Answer

UQS rates C as Below Average at 33.3/100, driven primarily by a Risk score of 0.0 — reflecting net debt/EBITDA of 30.09 and interest coverage of 0.3x — and below-median Quality at 26.7. Valuation is the standout pillar at 77.8, with a PEG of 0.91 below the sector median. The overall score reflects structural concerns that outweigh the valuation case in the composite rating.

Question 2

What is C's PEG ratio and what does it mean?

Accepted Answer

Citigroup's PEG ratio is 0.91, which falls below 1.0 — generally interpreted as cheap relative to earnings growth. The sector median PEG is 1.27, placing Citigroup's valuation below the peer average on this metric. A PEG under 1 suggests the market may be underpricing the stock relative to its growth trajectory, though this must be weighed against the significant leverage and profitability concerns reflected in other pillars. See the [PEG ratio explainer](/learn/peg-ratio).

Question 3

Why might C's UQS Score change?

Accepted Answer

UQS scores update daily based on trailing twelve-month financials, forward analyst estimates, and moat sub-dimension assessments. For Citigroup, the Risk pillar (currently 0.0) is most sensitive to changes in leverage ratios, interest coverage, and debt levels. The Growth pillar could shift if forward revenue or EPS estimates are revised. Significant improvement in operating margin or ROIC would affect Quality. The score regenerates whenever underlying data inputs change materially.

Question 4

How does C compare to AXP and TD.TO?

Accepted Answer

American Express (AXP) operates a more focused payments and lending model with typically stronger returns on equity and moat scores driven by network effects and brand intangibles. Toronto-Dominion (TD.TO) is a Canadian diversified bank with a historically conservative balance sheet profile. Citigroup's valuation pillar (77.8) may compare favorably given its lower PEG, but its Risk score of 0.0 and below-median profitability distinguish it from peers with tighter leverage and higher operating margins.

Question 5

What drives C's Moat score?

Accepted Answer

Intangibles/IP (8/20) and switching costs (7/20) lead Citigroup's moat profile. Intangibles reflect regulatory licensing, brand recognition in institutional banking, and proprietary client relationships. Switching costs arise from deeply embedded treasury, trade finance, and corporate banking services that are operationally costly for large clients to migrate. Scale & ecosystem (6/20) contributes modestly given the global network, while cost advantage (3/20) and network effects (4/20) are not meaningful moat drivers at current scores.

Date	UQS	Quality	Moat	Growth	Value	Change
May 14, 2026	32.7	26.7	28.0	39.8	73.3	+0.1
May 13, 2026	32.6	26.7	28.0	39.8	72.8	0.0
May 10, 2026	32.6	26.7	28.0	39.8	73.1	+0.2
May 8, 2026	32.4	26.7	28.0	39.8	71.9	-1.1
May 2, 2026	33.5	26.7	28.0	39.8	79.2	0.0
Apr 26, 2026	33.5	26.7	28.0	39.8	79.1	+0.1
Apr 23, 2026	33.4	26.7	28.0	39.8	78.0	+0.1
Apr 19, 2026	33.3	26.7	28.0	39.8	77.8	-0.3
Apr 18, 2026	33.6	26.7	28.0	39.8	79.4	-2.6
Apr 17, 2026	36.2	25.3	28.0	39.8	99.2	+0.3

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