Citigroup Inc.
CFinancial Services · Stock · quarterly payer
Forward Yield
2.03%
Annual Dividend
$2.68
Payout Ratio
26%
5-Yr Growth
2.6%
Ex-Date
Aug 3, 2026
Frequency
Quarterly
Summary
As of September 2026, Citigroup Inc. (C) yields 2.03% ($2.68 per share annually), with a blended fair-value estimate of $179.36 — +36% upside, so it screens as undervalued. Dividend safety grade: A (80/100). 3 years of dividend growth.
Is C a good dividend stock?
YesCitigroup Inc. (C) pays a quarterly dividend yielding 2.03% ($2.68/yr), with 3 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (26%)
- 91% total price return over 5 years
- Top-tier dividend safety score
Risks
- Cut its dividend in 2011
Key Data
- Dividend Yield
- 2.03%
- Payout Ratio
- 26%
- Annual Dividend
- $2.68
- 5-Yr Avg Growth
- 2.6%
- Ex-Dividend Date
- Aug 3, 2026
- Years of Growth
- 3
- Frequency
- quarterly
- Beta
- 1.10
- Market Cap
- $221.0B
- P/E Ratio
- 14.2
- 5-Yr Total Return
- 91%
- 52-Week Range
- $93.66 – $147.96
- Dividend Safety
- A · 80/100
- Ever Cut?
- Yes (2011)
Frequently Asked Questions
C Price — Last 12 Months
Daily close
Price Return
1 Year
+30%
3 Years
+234%
5 Years
+91%
52-Week Range
$93.66 – $147.96
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is C worth?
Undervaluedlow confidenceOur blended fair-value estimate for Citigroup Inc. is $179.36 per share, versus a market price of $131.77. That implies 36% of upside — a margin of safety of about 27%.
Fair Value
$179.36
Current Price
$131.77
Upside
+36%
Margin of Safety
27%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 15.7% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.8% discount rate (CAPM), 15.7% stage-1 growth, 2.5% terminal growth, $9.28 EPS, $2.68 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
C Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 3, 2026 | — | $0.6700 | regular |
| May 4, 2026 | — | $0.6000 | regular |
| Feb 2, 2026 | — | $0.6000 | regular |
| Nov 3, 2025 | — | $0.6000 | regular |
| Aug 4, 2025 | — | $0.6000 | regular |
| May 5, 2025 | — | $0.5600 | regular |
| Feb 3, 2025 | — | $0.5600 | regular |
| Nov 4, 2024 | — | $0.5600 | regular |
| Aug 5, 2024 | — | $0.5600 | regular |
| May 3, 2024 | — | $0.5300 | regular |
| Feb 2, 2024 | — | $0.5300 | regular |
| Nov 3, 2023 | — | $0.5300 | regular |
| Aug 4, 2023 | — | $0.5300 | regular |
| Apr 28, 2023 | — | $0.5100 | regular |
Income Calculator
At $2.68 / yr per share
