Citigroup Shares Slide 0.51% on 30.71% Volume Surge Ranks 73rd as Credit Risk and Crypto Expansion Fuel Analyst Divergence

Citigroup (C) fell 0.51% on August 19, 2025, with a trading volume of $1.08 billion, up 30.71% from the previous day, ranking 73rd in market activity. The stock’s recent performance reflects mixed signals from its credit card portfolio and strategic moves in the digital asset sector.

Citibank N.A., a subsidiary of Citigroup, reported a slight increase in credit card delinquency rates to 1.42% in July 2025, up from 1.38% in June. However, the rate remains below pre-pandemic levels of 1.53%. Net charge-offs also declined to 2.07%, compared to 2.12% in June, staying significantly lower than 2019’s 2.91%. The trust’s principal receivables dropped to $20.7 billion, signaling cautious lending activity. Analysts warn that rising credit losses in the Branded Cards portfolio—projected at 3.50%–4% for 2025—could pressure future earnings, especially if economic conditions worsen.

Strategic developments include Citigroup’s entry into stablecoin custody and payments, aligning with U.S. crypto legislation trends. The move, coupled with a raised price target to $124 by Oppenheimer, reflects optimism about long-term growth. However, portfolio adjustments, such as reduced stakes in Cettire Ltd and Confluent, highlight ongoing asset management shifts. Analysts remain divided, with some emphasizing the bank’s strong liquidity position and others noting valuation concerns as the stock trades at a forward P/E of 10.57, below the industry average.

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