# If you had invested $1,000 in Citigroup Inc. (C)

Source: https://www.equity-rank.com/if-you-invested/C

10 years ago (Mon, Nov 7, 2016), $1,000 in C grew to **$3,238** by Fri, Nov 6, 2026 with dividends reinvested ($2,390 on price alone). The same $1,000 in SPY grew to $4,042. Along the way C fell as much as -56.5% from a high. Past results do not tell you what happens next.

| Invested | C, dividends reinvested | Per year | Worst fall | SPY | SPY per year |
| --- | --- | --- | --- | --- | --- |
| 1 year ago | $1,205 | +20.5% | -17.8% | $1,109 | +10.9% |
| 3 years ago | $3,082 | +45.5% | -31.3% | $1,750 | +20.5% |
| 5 years ago | $2,059 | +15.6% | -40.6% | $1,677 | +10.9% |
| 10 years ago | $3,238 | +12.5% | -56.5% | $4,042 | +15.0% |

Today: model fair value $111.15 against a $119.05 price (gap -6.6%).

Split-adjusted closes; 40 cash dividends reinvested on their ex-dividend dates, before taxes and costs. SPY on its total-return price. Data as of Fri, Nov 6, 2026.

[Full C valuation](https://www.equity-rank.com/stocks/C) · [Other companies](https://www.equity-rank.com/if-you-invested)

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Fair value is a model estimate under stated assumptions — not a price target, not a prediction, and not a recommendation. This page is research information, not investment advice. Equity Rank is not a registered investment adviser.