Citigroup Inc. C NYSE

Citigroup Inc. (C) has shown exceptional revenue growth over the past 3 years, expanding from $100.2B to $168.3B (average +21.2%/yr). Net income reached $14.3B, reflecting modest earnings improvement at +4%/yr on average. The net profit margin is 8.5%, which is moderate. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 44.6% (moderate), with a -24.6pp trend over the period. With a $227B market cap and MOAT composite score of 72/100, the company has a strong competitive position.

Criteria proven by this page:

• GROWTH (73/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 40-year history, the company was profitable in 37 of 40 years — an excellent long-term track record
• INCOME (45/100, Partial) — the company is profitable but margin is below 15%
• MOAT (72/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

Overall SharesGrow Score: 60/100 with 4/7 criteria passed.