What was Citigroup's compound annual growth rate (CAGR) since 2018?

Citigroup's CAGR from 2018 to September 2026 was 10.2% 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 2018?

The same $1,000 invested in an S&P 500 index fund in 2018 would be worth approximately $3,301.62 today. Citigroup underperformed the S&P 500 by $965.20.

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

Sold today, the $1,336.43 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $2,135.96. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $2,018.36, 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 2018?

Adjusted for cumulative US inflation since 2018, the real purchasing-power value of the Citigroup position is approximately $1,799.62 in 2018 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did Citigroup perform in 2018?

Citigroup fell 26% during 2018, from $56.03 at the start of the year to $41.23 at the start of 2019.

What If You Invested $1,000 in Citigroup in 2018?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$2,336

+$1,336 profit2.34x10.2% a year

The same $1,000 in an S&P 500 index fund: $3,302

Its shares paid about $44.08 in dividends over the last 12 months.

Aftertax on the gain, you’d keep$2,136

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

$2,336.43

Total Profit

$1,336.43

Multiplier

2.34x

CAGR

10.2%

Max Drawdown

-46.9%

Inflation-Adjusted

$1,799.62

Benchmark Comparison

How does $1,000.00 invested in 2018 compare across different asset classes?

Asset	Value Today	Return
Citigroup	$2,336.43	2.34x
S&P 500	$3,301.62	3.30x
Gold	$3,224.25	3.22x
Savings (2% APY)	$1,189.06	1.19x

Dividends

Over the last 12 months, the 17.85 shares you'd own now paid about $44.08 in dividends (about $3.67 a month). That's 4.4% of the $1,000 put in.

Price growth alone turned $1,000 into $1,760; reinvested dividends added the other $575.93, 43% of the gain.

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

Back in 2018

In February 2018, Citigroup said it would refund $335 million to U.S. credit card customers whose interest rates should have been lowered. fortune.com
In 2018, a gallon of gas averaged $2.72, a movie ticket averaged $9.11 and the new iPhone XS started at $999. eia.gov apple.com hollywoodreporter.com
During 2018 itself, Citigroup fell 26%, #77 of the 94 investments we track. The best was The Trade Desk (+150%); the worst was Cardano (−94%). Full 2018 results →

$1,000 in Citigroup, year by year

Of the 94 investments we track that were available at the start of 2018, Citigroup ranks #61 by growth to today — just behind Lowe's and ahead of Booking Holdings. See the full 2018 ranking →

Citigroup started 2018 85% below its start-of-2007 high, after rising 25% in 2017. It was worth less than the $1,000 put in at 5 of the 8 Januaries since, and has been above it since the start of 2025. Today's $2,336 is more than it was worth at any January since. It rose in 5 of the 8 full years since. It has trailed the same $1,000 in the S&P 500 at every January since, and still does. Month by month, the deepest fall ran from Dec 2019 ($1,130) to Mar 2020 ($599.83), a drop of 47%. At its lowest month-end, in Mar 2020, it was worth $599.83.

When	Worth	Change	S&P 500
Start of 2018	$1,000	—	$1,000
Start of 2019	$736	−26%	$956
Start of 2020	$1,148	+56%	$1,257
Start of 2021	$885	−23%	$1,489
Start of 2022	$956	+8.1%	$1,916
Start of 2023	$722	−25%	$1,569
Start of 2024	$875	+21%	$1,981
Start of 2025	$1,197	+37%	$2,477
Start of 2026	$2,087	+74%	$2,920
Today	$2,336	+12%	$3,302

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 2018, Citigroup was priced at $56.03 (adjusted for later splits and dividends). $1,000 would have bought about 17.85 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 2018 would be worth approximately $2,336.43 today — a 2.34x return ($1,336.43 profit) over 8.7 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 2018 (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 of2018 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.