What was Citigroup's compound annual growth rate (CAGR) since 2021?

Citigroup's CAGR from 2021 to September 2026 was 18.4% 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 2021?

The same $1,000 invested in an S&P 500 index fund in 2021 would be worth approximately $2,218.04 today. Citigroup outperformed the index by $423.40 — 1.19x the return of the S&P 500.

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

Sold today, the $1,641.44 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $2,395.23. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $2,250.78, 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 2021?

Adjusted for cumulative US inflation since 2021, the real purchasing-power value of the Citigroup position is approximately $2,194.99 in 2021 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did Citigroup perform in 2021?

Citigroup rose 8.1% during 2021, from $49.56 at the start of the year to $53.58 at the start of 2022.

What If You Invested $1,000 in Citigroup in 2021?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$2,641

+$1,641 profit2.64x18.4% a year

The same $1,000 in an S&P 500 index fund: $2,218

Its shares paid about $49.84 in dividends over the last 12 months.

Aftertax on the gain, you’d keep$2,395

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

$2,641.44

Total Profit

$1,641.44

Multiplier

2.64x

CAGR

18.4%

Max Drawdown

-45.3%

Inflation-Adjusted

$2,194.99

Benchmark Comparison

How does $1,000.00 invested in 2021 compare across different asset classes?

Asset	Value Today	Return
Citigroup	$2,641.44	2.64x
S&P 500	$2,218.04	2.22x
Gold	$2,213.49	2.21x
Savings (2% APY)	$1,120.46	1.12x

Dividends

Over the last 12 months, the 20.18 shares you'd own now paid about $49.84 in dividends (about $4.15 a month). That's 5% of the $1,000 put in.

Price growth alone turned $1,000 into $2,177; reinvested dividends added the other $464.89, 28% of the gain.

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

Back in 2021

In March 2021, Citi CEO Jane Fraser launched "Zoom-Free Fridays" to help burned-out employees cope with stress a year into the pandemic. cnn.com
In 2021, a gallon of gas averaged $3.01 and the new iPhone 13 Pro started at $999. eia.gov apple.com
During 2021 itself, Citigroup rose 8.1%, #87 of the 111 investments we track. The best was Solana (+11,084%); the worst was Zoom (−49%). Full 2021 results →

$1,000 in Citigroup, year by year

Of the 111 investments we track that were available at the start of 2021, Citigroup ranks #36 by growth to today — just behind Meta and ahead of Apple. See the full 2021 ranking →

Citigroup started 2021 86% below its start-of-2007 high, after falling 23% in 2020. It was worth less than the $1,000 put in at the start of 2023 and 2024, and has been above it since the start of 2025. Today's $2,641 is more than it was worth at any January since. It rose in 4 of the 5 full years since. It moved ahead of the same $1,000 in the S&P 500 at the start of 2026 and has stayed ahead since. Month by month, the deepest fall ran from May 2021 ($1,330) to Oct 2023 ($727.47), a drop of 45%. At its lowest month-end, in Oct 2023, it was worth $727.47.

When	Worth	Change	S&P 500
Start of 2021	$1,000	—	$1,000
Start of 2022	$1,081	+8.1%	$1,287
Start of 2023	$816	−25%	$1,054
Start of 2024	$989	+21%	$1,331
Start of 2025	$1,353	+37%	$1,664
Start of 2026	$2,359	+74%	$1,962
Today	$2,641	+12%	$2,218

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 2021, Citigroup was priced at $49.56 (adjusted for later splits and dividends). $1,000 would have bought about 20.18 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 2022 and the start of 2023, the position fell 25% from its high.

Frequently Asked Questions

A $1,000 investment in Citigroup at the start of 2021 would be worth approximately $2,641.44 today — a 2.64x return ($1,641.44 profit) over 5.7 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 2021 (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 of2021 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.