Roiver Score™ for
CCitigroup Inc.
Based on the annual report for the fiscal year ended December 31, 2025.
Citigroup Inc. (C) scores 9/100 (Weak) on the Roiver Score, a transparent quality composite, based on its annual report for the fiscal year ended December 31, 2025. Its strongest area is valuation; its weakest is stability. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Banks, insurers and REITs are scored on measures suited to them. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about C
What is C's Roiver Score?
Citigroup Inc. scores 9 out of 100 (Weak). Based on the annual report for the fiscal year ended December 31, 2025.
How is the Roiver Score for C calculated?
It combines profitability, capital strength, efficiency, valuation and stability into a transparent 0–100 composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Citigroup Inc. is scored with the bank model: This score uses measures suited to banks in place of the standard five, because ratios like debt-to-equity mean something different for them. The full methodology is published.
Is C a good quality stock?
On quality, C rates "Weak" (9/100). Its strongest driver is valuation and its weakest is stability. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.