1. Citigroup's recent financials show stable top-line performance but falling profitability due to ongoing investments in tech and human capital; 2. We expect these investments to pay off over the next few years, as EPS appears set to grow substantially into 2030; 3. The Company's valuation is attractive, with low P/E and P/B ratios compared to peers; 4. Despite risks, C's strategic transformation and market position make it a compelling 'Buy'.