Editor's Note: TheStreet ratings do not represent the views of TheStreet's staff or its contributors. Ratings are established by computer based on metrics for performance (which includes growth, stock performance, efficiency and valuation) and risk (volatility and solvency). Companies with poor cash flow or high debt levels tend to earn lower ratings in our model





) pushed the Financial sector lower today making it today's featured Financial laggard. The sector as a whole closed the day down 1%. By the end of trading, Citigroup fell 63 cents (-1.9%) to $32.86 on average volume. Throughout the day, 36.8 million shares of Citigroup exchanged hands as compared to its average daily volume of 34.8 million shares. The stock ranged in price between $32.85-$33.90 after having opened the day at $33.68 as compared to the previous trading day's close of $33.49. Other companies within the Financial sector that declined today were:

Millennium India Acquisition Corporation



), down 22.6%,

Ohio Legacy Corporation



), down 15.4%,

IFM Investments



), down 15.4%, and

Crescent Financial



), down 13.4%.

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Citigroup, Inc., a diversified financial services holding company, provides a range of financial products and services to consumers, corporations, governments, and institutions worldwide. The company operates through two segments, Citicorp and Citi Holdings. Citigroup has a market cap of $98.74 billion and is part of the


industry. The company has a P/E ratio of 9.8, equal to the average banking industry P/E ratio and below the S&P 500 P/E ratio of 17.7. Shares are up 28% year to date as of the close of trading on Monday. Currently there are 12 analysts that rate Citigroup a buy, three analysts rate it a sell, and five rate it a hold.

TheStreet Ratings rates Citigroup as a


. The company's strengths can be seen in multiple areas, such as its attractive valuation levels, solid stock price performance and notable return on equity. We feel these strengths outweigh the fact that the company has had sub par growth in net income.

For investors not wanting singular stock exposure, ETFs may be of interest. Investors who are bullish on the financial sector could consider

Financial Select Sector SPDR



) while those bearish on the financial sector could consider

Proshares Short Financials




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