C (Citigroup) Moat Score : 7/10 (As of Jul. 03, 2025)

View and export this data going back to 1986. Start your Free Trial

What is Citigroup Moat Score?

Citigroup has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Citigroup has Wide Moat: Citigroup has a durable competitive advantage with a strong global brand, extensive distribution network, and significant regulatory barriers. Its scale and customer base provide pricing power and cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Citigroup might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Competitive Comparison of Citigroup's Moat Score

For the Banks - Diversified subindustry, Citigroup's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Citigroup's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citigroup's Moat Score distribution charts can be found below:

* The bar in red indicates where Citigroup's Moat Score falls into.

Save Embed

;

Save Embed

;

Citigroup (NYSE:C) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Citigroup Moat Score Related Terms

Thank you for viewing the detailed overview of Citigroup's Moat Score provided by GuruFocus.com. Please click on the following links to see related term pages.

Citigroup Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Citigroup Inc (NYSE:C) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

C:Peru C:Mexico C_KZ:Kazakhstan 1C:Italy TRVCd:UK 0R01:UK CFU:Germany TRVC:Germany TRVC:Germany TRVC:Germany TRVC:Germany C:Chile CITI:Canada CTGP34:Brazil CITI:Austria C:Argentina

Address

388 Greenwich Street, New York, NY, USA, 10013

Website

https://www.citigroup.com

Citigroup is a global financial-services company doing business in more than 100 countries and jurisdictions. Citigroup's operations are organized into five primary segments: services, markets, banking, US personal banking, and wealth management. The bank's primary services include cross-border banking needs for multinational corporates, investment banking and trading, and credit card services in the United States.

Executives

John Cunningham Dugan	director	388 GREENWICH STREET, 17TH FLOOR, NEW YORK NY 10013
Edward Skyler	officer: Head of Global Public Affairs	388 GREENWICH STREET, NEW YORK NY 10013
Mark Mason	officer: Chief Financial Officer	3120 BRECKINRIDGE BLVD., DULUTH GA 30099
Sara Wechter	officer: Head of Human Resources	388 GREENWICH STREET, 17TH FLOOR, NEW YORK NY 10013
Brent Mcintosh	officer: General Counsel & Corp Sec'y	450 POST RD. EAST, WESTPORT CT 06880
Anand Selvakesari	officer: CEO, Global Consumer Banking	388 GREENWICH STREET, NEW YORK NY 10013
Gonzalo Luchetti	officer: Head of U.S. Personal Banking	388 GREENWICH STREET, NEW YORK NY 10013
Syed Shahmir Khaliq	officer: Head of Services	388 GREENWICH STREET, NEW YORK NY 10013
Peter B. Henry	director	C/O NEW YORK UNIVERSITY/KAUFMAN MGT CNT, 44 WEST 4TH STREET, SUITE 11-160, NEW YORK CITY NY 10012
Johnbull Okpara	officer: Controller&Chief Acct. Officer	388 GREENWICH STREET, NEW YORK NY 10013
Andrew John Morton	officer: Head of Markets	388 GREENWICH STREET, NEW YORK NY 10013
Andrew M. Sieg	officer: Head of Wealth	100 N TRYON STREET, CHARLOTTE NC 28255
Zdenek Turek	officer: Interim Chief Risk Officer	388 GREENWICH STREET, NEW YORK NY 10013
Titilope Cole	officer: CEO, Legacy Franchises	388 GREENWICH STREET, NEW YORK NY 10013
Michael Whitaker	officer: Head of Enterprise O&T	388 GREENWICH STREET, 17TH FLOOR, NEW YORK NY 10013