Profitability
Weight: 25%
D
35
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 64.8%
- Efficiency Ratio Trend +1.18 pp/yr
C
Citigroup Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C+
61
- 5yr Avg ROE 7.1%
- 5yr Share-Count CAGR -2.4%
Growth Quality
Weight: 15%
C+
57
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 13.6%
- Efficiency Ratio Trend (growth quality check) +1.18 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
C
54
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.05
Balance Sheet
Weight: 20%
B-
65
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 8.0%
Stability
Weight: 10%
C+
58
- EPS Volatility (σ/μ) 0.29
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 4 trimmed; 1 full exit.
- Holders
- 5
- Avg Δ position
- -8.9%
- New buys
- 0
- Full exits
- 1
- Druckenmiller sold -100%
- Dalio decreased -34%
- Cooperman decreased -7%