What was Citigroup's compound annual growth rate (CAGR) since 2017?

Citigroup's CAGR from 2017 to September 2026 was 11.6% per year. For comparison, the S&P 500 has historically averaged around 10% annually. Citigroup significantly outperformed traditional equity markets on an annualized basis.

How does Citigroup compare to the S&P 500 since 2017?

The same $1,000 invested in an S&P 500 index fund in 2017 would be worth approximately $4,022.42 today. Citigroup underperformed the S&P 500 by $1,113.31.

How much of the Citigroup gain would you keep after taxes?

Sold today, the $1,909.11 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $2,622.74. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $2,454.74, and lower incomes pay 0%. State tax is extra, and gains inside a Roth IRA aren't taxed.

What is the inflation-adjusted return on $1,000 in Citigroup since 2017?

Adjusted for cumulative US inflation since 2017, the real purchasing-power value of the Citigroup position is approximately $2,187.19 in 2017 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did Citigroup perform in 2017?

Citigroup rose 25% during 2017, from $45.00 at the start of the year to $56.03 at the start of 2018.

What If You Invested $1,000 in Citigroup in 2017?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$2,909

+$1,909 profit2.91x11.6% a year

The same $1,000 in an S&P 500 index fund: $4,022

Its shares paid about $54.89 in dividends over the last 12 months.

Aftertax on the gain, you’d keep$2,623

US federal long-term rates: 15% for most people, 0% on lower incomes, 20% + 3.8% on high incomes. No state tax included; none inside a Roth IRA.

Compare with

Growth Over Time

Performance Metrics

Total Invested

$1,000.00

Current Value

$2,909.11

Total Profit

$1,909.11

Multiplier

2.91x

CAGR

11.6%

Max Drawdown

-46.9%

Inflation-Adjusted

$2,187.19

Benchmark Comparison

How does $1,000.00 invested in 2017 compare across different asset classes?

Asset	Value Today	Return
Citigroup	$2,909.11	2.91x
S&P 500	$4,022.42	4.02x
Gold	$3,650.04	3.65x
Savings (2% APY)	$1,212.82	1.21x

Dividends

Over the last 12 months, the 22.22 shares you'd own now paid about $54.89 in dividends (about $4.57 a month). That's 5.5% of the $1,000 put in.

Price growth alone turned $1,000 into $2,161; reinvested dividends added the other $748.51, 39% of the gain.

Dividends from Yahoo Finance. Shares today assume every dividend was reinvested.

Back in 2017

In December 2017, Citigroup was fined $11.5 million by FINRA after its brokerage showed incorrect research ratings, such as "buy" instead of "sell," for years. fortune.com
In 2017, a gallon of gas averaged $2.42, a movie ticket averaged $8.97 and the new iPhone X started at $999. eia.gov apple.com deadline.com
During 2017 itself, Citigroup rose 25%, #46 of the 87 investments we track. The best was XRP (+36,408%); the worst was AMC Entertainment (−54%). Full 2017 results →

$1,000 in Citigroup, year by year

Of the 87 investments we track that were available at the start of 2017, Citigroup ranks #58 by growth to today — just behind Johnson & Johnson and ahead of Target. See the full 2017 ranking →

Citigroup started 2017 88% below its start-of-2007 high, after rising 20% in 2016. It was worth less than the $1,000 put in at the start of 2019 and 2023, and has been above it since the start of 2024. Today's $2,909 is more than it was worth at any January since. It rose in 6 of the 9 full years since. It fell behind the same $1,000 in the S&P 500 at the start of 2019 and hasn't caught up. Month by month, the deepest fall ran from Dec 2019 ($1,407) to Mar 2020 ($746.86), a drop of 47%. At its lowest month-end, in Mar 2020, it was worth $746.86.

When	Worth	Change	S&P 500
Start of 2017	$1,000	—	$1,000
Start of 2018	$1,245	+25%	$1,218
Start of 2019	$916	−26%	$1,165
Start of 2020	$1,430	+56%	$1,532
Start of 2021	$1,101	−23%	$1,814
Start of 2022	$1,191	+8.1%	$2,334
Start of 2023	$899	−25%	$1,911
Start of 2024	$1,089	+21%	$2,414
Start of 2025	$1,490	+37%	$3,018
Start of 2026	$2,598	+74%	$3,557
Today	$2,909	+12%	$4,022

Values at the start of each year (first trading day for stocks). The S&P 500 column includes reinvested dividends, like the stock values.

Historical Context

At the start of 2017, Citigroup was priced at $45.00 (adjusted for later splits and dividends). $1,000 would have bought about 22.22 shares. Citigroup is a global bank based in New York.

Measured from one January to the next, Citigroup's best year since then was 2025 (+74%) and its worst was 2018 (−26%). Holding on wasn't easy: between the start of 2020 and the start of 2023, the position fell 37% from its high.

Frequently Asked Questions

A $1,000 investment in Citigroup at the start of 2017 would be worth approximately $2,909.11 today — a 2.91x return ($1,909.11 profit) over 9.7 years.

Methodology & Sources

Price data: Historical prices are the closing price on the first trading day of each year, adjusted for splits and dividends (so returns assume dividends were reinvested), from Yahoo Finance and MacroTrends. Current prices come from Yahoo Finance and refresh hourly; if that source is unavailable, the last saved price is used.

Calculation: Assumes a single purchase at the start of 2017 (or the first trading day, for companies that listed that year), held until today. No transaction fees, taxes, or slippage are included.

Benchmarks: The S&P 500 comparison uses the S&P 500 Total Return index (dividends reinvested, like an index fund) at the start of2017 and today. Gold uses the price per troy ounce. Savings account assumes a 2% APY compounded annually.

Inflation adjustment: Uses U.S. CPI-U annual averages from the Bureau of Labor Statistics. The 2026 CPI value is estimated.

Educational purposes only. Past performance does not guarantee future results. Not financial advice.