What was Citigroup's compound annual growth rate (CAGR) since 2020?

Citigroup's CAGR from 2020 to September 2026 was 11.1% 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 2020?

The same $1,000 invested in an S&P 500 index fund in 2020 would be worth approximately $2,626.14 today. Citigroup underperformed the S&P 500 by $591.48.

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

Sold today, the $1,034.66 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $1,879.46. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $1,788.41, 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 2020?

Adjusted for cumulative US inflation since 2020, the real purchasing-power value of the Citigroup position is approximately $1,615.25 in 2020 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did Citigroup perform in 2020?

Citigroup fell 23% during 2020, from $64.34 at the start of the year to $49.56 at the start of 2021.

What If You Invested $1,000 in Citigroup in 2020?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$2,035

+$1,035 profit2.03x11.1% a year

The same $1,000 in an S&P 500 index fund: $2,626

Its shares paid about $38.39 in dividends over the last 12 months.

Aftertax on the gain, you’d keep$1,879

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

$2,034.66

Total Profit

$1,034.66

Multiplier

2.03x

CAGR

11.1%

Max Drawdown

-47.8%

Inflation-Adjusted

$1,615.25

Benchmark Comparison

How does $1,000.00 invested in 2020 compare across different asset classes?

Asset	Value Today	Return
Citigroup	$2,034.66	2.03x
S&P 500	$2,626.14	2.63x
Gold	$2,769.41	2.77x
Savings (2% APY)	$1,142.91	1.14x

Dividends

Over the last 12 months, the 15.54 shares you'd own now paid about $38.39 in dividends (about $3.20 a month). That's 3.8% of the $1,000 put in.

Price growth alone turned $1,000 into $1,612; reinvested dividends added the other $423.01, 41% of the gain.

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

Back in 2020

In August 2020, Citibank sued a hedge fund to recover money it wired by mistake while handling Revlon loan payments, roughly 100 times the intended amount. cnn.com
In 2020, a gallon of gas averaged $2.17 and the new iPhone 12 Pro started at $999. eia.gov apple.com
During 2020 itself, Citigroup fell 23%, #98 of the 103 investments we track. The best was Tesla (+747%); the worst was AMC Entertainment (−73%). Full 2020 results →

$1,000 in Citigroup, year by year

Of the 103 investments we track that were available at the start of 2020, Citigroup ranks #61 by growth to today — just behind Merck and ahead of Visa. See the full 2020 ranking →

Citigroup started 2020 82% below its start-of-2007 high, after rising 56% in 2019. It was worth less than the $1,000 put in at 4 of the 6 Januaries since, and has been above it since the start of 2025. Today's $2,035 is more than it was worth at any January since. It rose in 4 of the 6 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 Jan 2020 ($1,000) to Mar 2020 ($522.36), a drop of 48%. At its lowest month-end, in Mar 2020, it was worth $522.36.

When	Worth	Change	S&P 500
Start of 2020	$1,000	—	$1,000
Start of 2021	$770	−23%	$1,184
Start of 2022	$833	+8.1%	$1,524
Start of 2023	$629	−25%	$1,248
Start of 2024	$762	+21%	$1,576
Start of 2025	$1,042	+37%	$1,970
Start of 2026	$1,817	+74%	$2,322
Today	$2,035	+12%	$2,626

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 2020, Citigroup was priced at $64.34 (adjusted for later splits and dividends). $1,000 would have bought about 15.54 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 2022 (−25%). 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 2020 would be worth approximately $2,034.66 today — a 2.03x return ($1,034.66 profit) over 6.7 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 2020 (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 of2020 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.