What if you'd held C?
A $1,000 investment in Citigroup, Inc. (C) at the month-end close of 1977-01 would be worth $20,445 at the close of 2026-08 — +1944.5% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $75,546.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included. Click any year for the full story.
Every year, $1,000 from 1977
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1977 | $1,000 | — |
| 1978 | $926 | -7.4% |
| 1979 | $920 | -0.7% |
| 1980 | $784 | -14.8% |
| 1981 | $888 | +13.3% |
| 1982 | $798 | -10.2% |
| 1983 | $1,210 | +51.7% |
| 1984 | $1,304 | +7.7% |
| 1985 | $1,549 | +18.8% |
| 1986 | $2,172 | +40.2% |
| 1987 | $1,279 | -41.1% |
| 1988 | $1,224 | -4.3% |
| 1989 | $1,621 | +32.5% |
| 1990 | $1,321 | -18.5% |
| 1991 | $2,308 | +74.8% |
| 1992 | $2,887 | +25.0% |
| 1993 | $4,704 | +63.0% |
| 1994 | $3,982 | -15.4% |
| 1995 | $7,876 | +97.8% |
| 1996 | $11,567 | +46.9% |
| 1997 | $20,807 | +79.9% |
| 1998 | $19,390 | -6.8% |
| 1999 | $32,985 | +70.1% |
| 2000 | $40,759 | +23.6% |
| 2001 | $40,779 | +0.0% |
| 2002 | $31,029 | -23.9% |
| 2003 | $43,923 | +41.6% |
| 2004 | $45,138 | +2.8% |
| 2005 | $47,224 | +4.6% |
| 2006 | $56,463 | +19.6% |
| 2007 | $31,199 | -44.7% |
| 2008 | $7,505 | -75.9% |
| 2009 | $3,710 | -50.6% |
| 2010 | $5,302 | +42.9% |
| 2011 | $2,952 | -44.3% |
| 2012 | $4,445 | +50.5% |
| 2013 | $5,859 | +31.8% |
| 2014 | $6,089 | +3.9% |
| 2015 | $5,840 | -4.1% |
| 2016 | $6,770 | +15.9% |
| 2017 | $8,600 | +27.0% |
| 2018 | $6,149 | -28.5% |
| 2019 | $9,706 | +57.8% |
| 2020 | $7,793 | -19.7% |
| 2021 | $7,865 | +0.9% |
| 2022 | $6,127 | -22.1% |
| 2023 | $7,291 | +19.0% |
| 2024 | $10,348 | +41.9% |
| 2025 | $17,630 | +70.4% |
| 2026 | $20,382 | +15.6% |
Best and worst month-end to buy
The best single month-end close to have bought C was 1982-02 ($4.50): $1,000 then is $29,531 today. The worst was 2006-12 ($368): $1,000 then is $361.
FAQ
What would $1,000 in C be worth today?
A $1,000 investment in Citigroup, Inc. (C) at the start of 1977 would be worth about $20,445 today, a total return of +1944.5%. Dividends are reinvested in these figures.
What were the best and worst years for C?
Citigroup, Inc. (C)'s strongest calendar year since 1977 was 1995, a +97.8% return — $1,000 held through that year became about $1,978 by year-end. Its weakest year was 2008, at -75.9%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in C have grown?
Investing $100 at the end of every month since 1977-01 would have grown to about $422,803 on $59,600 invested.
Did C beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $75,546. C trailed the S&P 500 by +72.9% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Citigroup, Inc. (C) historical total-return data from 1977-01 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.