Citigroup (C) Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in Citigroup (C) ten years ago, at the end of Oct 2016, was worth $33,712 at the end of Oct 2026 with every dividend reinvested: 12.9% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $6,029 reinvested (-2.7% a year), or $5,228 taking the dividends as cash, $1,062 of it paid out along the way.
C became
$6,029
S&P 500: $72,756
Return a year
-2.7%
S&P 500: 11.1%
Payouts reinvested
$1,239
bought more shares
Worst drop
-94.6%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | C total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +6.7% | $90 | +11.7% |
| 2025 | +70.4% | $115 | +17.7% |
| 2024 | +41.9% | $107 | +24.9% |
| 2023 | +19.0% | $93 | +26.2% |
| 2022 | −22.1% | $87 | −18.2% |
| 2021 | +0.9% | $83 | +28.7% |
| 2020 | −19.7% | $80 | +18.3% |
| 2019 | +57.8% | $72 | +31.2% |
| 2018 | −28.5% | $57 | −4.6% |
| 2017 | +27.0% | $36 | +21.7% |
| 2016 | +15.9% | $18 | +12.0% |
| 2015 | −4.1% | $6 | +1.2% |
| 2014 | +3.9% | $2 | +13.5% |
| 2013 | +31.8% | $2 | +32.3% |
| 2012 | +50.6% | $2 | +16.0% |
| 2011 | −44.3% | $2 | +1.9% |
| 2010 | +42.9% | $1 | +15.1% |
| 2009 | −50.6% | $4 | +26.4% |
| 2008 | −75.9% | $382 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: C total return
Data as of · Source: SmarterDividends data
- $10,000 invested in Citigroup (C) at the end of Dec 2007, with dividends reinvested, was worth $6,029 at the end of Oct 2026: -2.7% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, C turned $10,000 into $33,712 with dividends reinvested, 12.9% a year.
- Over the 5 years to Oct 2026, C returned 15.9% a year with dividends reinvested (S&P 500: 12.0%).
- Taking C's dividends as cash instead of reinvesting them, the same $10,000 ended at $5,228, including $1,062 of cash received; reinvesting added $801.
- C's best calendar year in that time was 2025 (70.4%) and its worst 2008 (-75.9%), with dividends reinvested.
Cite this page
SmarterDividends, "Citigroup (C) Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/C/total-return
C total return questions
If I invested $10,000 in C 10 years ago, how much would I have?
About $33,712 at the end of Oct 2026, with every dividend reinvested: 12.9% a year. Taking them as cash, you'd have shares worth $24,952 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is C's total return since Dec 2007?
-40% in total, or -2.7% a year, through Oct 2026 with dividends reinvested. The share price alone fell 58%.
What was C's worst year?
2008, at -75.9% with dividends reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -94.6%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.