Citigroup Share Price Dips 0.26 as $0.81B Trading Volume Plummets to 100th Market Rank Amid $2–2.5 Billion Annual Cost-Cutting Restructuring

On August 29, 2025, Citigroup (C) reported a 0.26% decline in share price with a trading volume of $0.81 billion, a 23.46% drop from the previous day, ranking 100th in market activity. The bank is undergoing strategic restructuring, including exiting consumer banking in 14 Asia and EMEA markets and reducing its global workforce by 20,000 positions by 2026. These moves are expected to generate $2–$2.5 billion in annual cost savings, redirecting capital to wealth management and investment banking. Citigroup anticipates expenses to fall below $53 billion in 2026, excluding FDIC fees, compared to $56.4 billion in 2023. The company also raised its quarterly dividend by 7% to $0.60 per share, offering a 2.48% yield, and is trading at a 12-month forward P/E of 10.8X, below the industry average of 14.8X.

Analysts highlight Citigroup’s focus on core businesses and operational efficiency as key drivers for long-term growth. The bank’s net interest income is projected to grow 4% in 2025, supported by improved loan demand and deposit balances. As the Federal Reserve signals rate cuts, Citigroup is positioned to benefit from increased deal activity and client engagement, which could boost fee income. However, its return on equity of 7.29% lags behind peers, reflecting ongoing efficiency challenges. The stock has gained 37.5% year-to-date, outperforming broader market trends, as investors bet on its transformation strategy.

Citigroup’s shares closed the year with a 59% total return, reflecting strong performance in its restructuring efforts and market positioning. The bank’s ability to streamline operations while maintaining profitability in a low-rate environment remains a critical factor for future gains.