Citigroup Inc. (NYSE:C) will release its fourth-quarter financial results before the opening bell on Wednesday, Jan. 15.

Analysts expect the New York-based company to report quarterly earnings at $1.21 per share, up from 84 cents per share in the year-ago period. Citigroup projects quarterly revenue of $19.42 billion, compared to $17.44 billion a year earlier, according to data from Benzinga Pro.

On Monday, Barclays upgraded the stock from Equal-Weight to Overweight and raised its price target from $70 to $95.

With the recent buzz around Citigroup, some investors may be eyeing potential gains from the company’s dividends too. As of now, Citigroup offers an annual dividend yield of 3.08%, which is a quarterly dividend amount of 56 cents per share ($2.24 a year).

So, how can investors exploit its dividend yield to pocket a regular $500 monthly?

To earn $500 per month or $6,000 annually from dividends alone, you would need an investment of approximately $194,870 or around 2,679 shares. For a more modest $100 per month or $1,200 per year, you would need $39,989 or around 536 shares.

To calculate: Divide the desired annual income ($6,000 or $1,200) by the dividend ($2.24 in this case). So, $6,000 / $2.24 = 2,679 ($500 per month), and $1,200 / $2.24 = 536 shares ($100 per month).

Note that dividend yield can change on a rolling basis, as the dividend payment and the stock price both fluctuate over time.

How that works: The dividend yield is computed by dividing the annual dividend payment by the stock’s current price.

For example, if a stock pays an annual dividend of $2 and is currently priced at $50, the dividend yield would be 4% ($2/$50). However, if the stock price increases to $60, the dividend yield drops to 3.33% ($2/$60). Conversely, if the stock price falls to $40, the dividend yield rises to 5% ($2/$40).

Similarly, changes in the dividend payment can impact the yield. If a company increases its dividend, the yield will also increase, provided the stock price stays the same. Conversely, if the dividend payment decreases, so will the yield.

C Price Action: Shares of Citi gained 2.5% to close at $72.74 on Monday.

Read More:

• JPMorgan Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call

Photo: Shutterstock

Gainers

Symbol	Name	Price	Change ($)	Change (%)	Volume
(NYSE:XLE)	SPDR Select Sector Fund – Energy Select Sector	87.60	0.53	0.60	13.3K
(NYSE:XLF)	SPDR Select Sector Fund – Financial	48.59	0.15	0.30	23.7K
(NYSE:XLI)	SPDR Select Sector Fund – Industrial	132.77	0.34	0.25	1.6K

Losers

Symbol	Name	Price	Change ($)	Change (%)	Volume
(NYSE:XLV)	SPDR Select Sector Fund – Health Care	138.6500	-0.370	-0.27	765
(NYSE:XLRE)	Real Estate Select Sector SPDR Fund (The)	40.2039	-0.076	-0.19	405
(NYSE:XLY)	SPDR Select Sector Fund – Consumer Discretionary	226.4800	-0.290	-0.13	2.1K
(NYSE:XLK)	SPDR Select Sector Fund – Technology	238.5000	-0.250	-0.11	39.3K
(NYSE:XLC)	The Communication Services Select Sector SPDR Fund	98.9000	-0.040	-0.05	746
(NYSE:XLU)	SPDR Select Sector Fund – Utilities	76.1905	-0.029	-0.04	2.9K

Pulled from Benzinga Pro data the above sector movers alert assists traders in understanding macro-level trends and market variations. Traders will look for sector movers providing information on sectors that are over- or under-performing, deriving these results into investing decisions on exchange-traded funds (ETFs) or individual tickers in those sectors.

To read more about sector movers, click here.

Gainers

Symbol	Name	Price	Change ($)	Change (%)	Volume
(NYSE:XLK)	SPDR Select Sector Fund – Technology	238.3300	2.580	1.09	47.9K
(NYSE:XLY)	SPDR Select Sector Fund – Consumer Discretionary	228.1600	2.280	1.00	7.1K
(NYSE:XLI)	SPDR Select Sector Fund – Industrial	133.7000	0.980	0.73	11.8K
(NYSE:XLB)	Materials Select Sector SPDR	83.6600	0.470	0.56	6.7K
(NYSE:XLF)	SPDR Select Sector Fund – Financial	48.8600	0.270	0.55	82.0K
(NYSE:XLE)	SPDR Select Sector Fund – Energy Select Sector	87.9500	0.480	0.54	32.1K
(NYSE:XLU)	SPDR Select Sector Fund – Utilities	77.4986	0.419	0.54	19.7K
(NYSE:XLRE)	Real Estate Select Sector SPDR Fund (The)	40.9790	0.139	0.34	1.7K
(NYSE:XLC)	The Communication Services Select Sector SPDR Fund	98.2000	0.320	0.32	472
(NYSE:XLV)	SPDR Select Sector Fund – Health Care	139.2500	0.290	0.20	16.4K
(NYSE:XLP)	SPDR Select Sector Fund – Consumer Staples	78.4200	0.090	0.11	1.7K

No loser in today’s Pre-market session.

Pulled from Benzinga Pro data the above sector movers alert assists traders in understanding macro-level trends and market variations. Traders will look for sector movers providing information on sectors that are over- or under-performing, deriving these results into investing decisions on exchange-traded funds (ETFs) or individual tickers in those sectors.

To read more about sector movers, click here.

Bernstein on Monday outlined bold predictions for the cryptocurrency market in 2025, emphasizing Bitcoin‘s (CRYPTO: BTC) growth, regulatory changes and the convergence of crypto with AI technologies.

Bernstein’s 2025 Bitcoin Target

According to the report, Bitcoin is poised to reach $200,000 by the end of 2025, driven by rising institutional demand and its limited supply.

“Bitcoin’s price trajectory reflects increased corporate treasuries and ETF holdings, making it a cornerstone of the financial future,” it stated.

The report also highlights an anticipated surge in corporate Bitcoin investments, predicting treasury allocations will double to exceed $50 billion, up from $24 billion in 2024.

This trend is led by industry pioneers such as MicroStrategy (NASDAQ:MSTR), which continues to increase its holdings.

“MicroStrategy remains the flagbearer, tapping new capital markets and significantly expanding Bitcoin reserves,” Bernstein analysts noted.

Bitcoin ETFs To Continue Buying

The expansion of Bitcoin ETFs is another key driver of growth, with net inflows expected to surpass $70 billion, doubling the $35 billion recorded in 2024.

Bernstein emphasized that ETF growth demonstrates rising institutional confidence in Bitcoin as a diversified investment vehicle.

Bitcoin Mining Meets AI Data Centers

The research predicts a transformative shift for Bitcoin miners, who are expected to allocate increasing power capacity toward AI data centers.

This move is seen as both a sustainability strategy and a method to broaden institutional appeal.

“This shift ensures sustainability and a broader institutional appeal,” the report stated.

The convergence of cryptocurrency and artificial intelligence is set to redefine both sectors.

Bernstein envisions AI-enabled crypto functionalities driving innovation, from autonomous agents to decentralized markets for AI services.

“The convergence of crypto and AI will redefine both industries,” the report stated.

Also Read: Terra Luna Co-Founder Do Kwon To Be Extradited To The US: Report

Stablecoin Regulation Coming

Bernstein foresees significant regulatory changes, including stablecoin legislation and clarified crypto market structures, which could position the United States as a leader in crypto innovation.

The stablecoin market is projected to cross $500 billion in circulation by 2025, bolstered by regulatory clarity and its utility in cross-border business payments.

“Regulatory clarity will drive stablecoin adoption in cross-border B2B payments,” Bernstein predicted.

The report also anticipates a wave of crypto IPOs and the tokenization of equity markets as the SEC adopts a pro-crypto stance.

Analysts believe this shift will enable private crypto firms to enter public markets, marking a pivotal moment for the industry.

“This marks a turning point for private crypto firms entering public markets,” the report stated.

TradFi Interest Could Fuel Ethereum Spike

Traditional financial institutions are also expected to introduce new trading, custody and active asset management products, further integrating crypto into traditional markets.

Bernstein’s report predicts that Ethereum (CRYPTO: BTC) will regain institutional favor due to its deflationary model and utility-driven demand, positioning it as the second-most valued blockchain.

“Ethereum’s unique use cases and staking yields will make it a favorite for traditional investors,” the analysts noted.

Read Next:

• ‘Owning Bitcoin Is Digital Real Estate,’ Says Anthony Pompliano

Image created using artificial intelligence with Midjourney.

Cyclacel Pharmaceuticals Inc (NASDAQ:CYCC) shares are trading higher by 65% to 61 cents during Friday’s session after the company announced a securities purchase agreement with investor David Lazar for the sale of Series C and Series D Convertible Preferred Stock for $3.1 million in gross proceeds.

What To Know: Lazar will acquire 1 million shares of Series C Convertible Preferred Stock for $1 million initially, with the potential to convert these shares into common stock, subject to a 5% ownership cap pending stockholder approval.

Upon approval, a second transaction will involve 2.1 million shares of Series D Convertible Preferred Stock for $2.1 million, convertible into 110 shares of common stock per preferred share.

As part of the agreement, the board was restructured, with David Lazar assuming the role of interim CEO. Cyclacel also entered a Warrant Exchange Agreement, converting existing warrants into 24.8 million shares of common stock and $1.1 million cash.

The company says it faces challenges meeting Nasdaq’s equity requirements, with a February 2025 compliance deadline, and continues exploring strategic alternatives.

Read Also: Carvana Chart Weakens As Momentum Indicators Turn Bearish, Short Report Hits

How To Buy CYCC

Besides going to a brokerage platform to purchase a share – or fractional share – of stock, you can also gain access to shares either by buying an exchange traded fund (ETF) that holds the stock itself, or by allocating yourself to a strategy in your 401(k) that would seek to acquire shares in a mutual fund or other instrument.

For example, in Cyclacel Pharmaceuticals’ case, it is in the Health Care sector. An ETF will likely hold shares in many liquid and large companies that help track that sector, allowing an investor to gain exposure to the trends within that segment.

According to data from Benzinga Pro, CYCC has a 52-week high of $4.00 and a 52-week low of $0.31.

Gainers

Symbol	Name	Price	Change ($)	Change (%)	Volume
(NYSE:XLRE)	Real Estate Select Sector SPDR Fund (The)	40.6500	0.360	0.89	286
(NYSE:XLY)	SPDR Select Sector Fund – Consumer Discretionary	222.4100	1.010	0.45	1.8K
(NYSE:XLK)	SPDR Select Sector Fund – Technology	232.8800	0.910	0.39	13.1K
(NYSE:XLF)	SPDR Select Sector Fund – Financial	48.3900	0.180	0.37	18.2K
(NYSE:XLV)	SPDR Select Sector Fund – Health Care	137.9995	0.389	0.28	2.0K
(NYSE:XLE)	SPDR Select Sector Fund – Energy Select Sector	86.8700	0.210	0.24	16.6K

No loser in today’s Pre-market session.

Pulled from Benzinga Pro data this sector movers alert provides traders with a compiled way to read macro-level market trends. Investors garner a particular interest in sector movers to better determine sectors that are over- or under-performing to make better investing decisions on exchange-traded funds (ETFs) or individual tickers in those sectors.

For more information on sector movers, click here.

Investors with a lot of money to spend have taken a bullish stance on UnitedHealth Group (NYSE:UNH).

And retail traders should know.

We noticed this today when the trades showed up on publicly available options history that we track here at Benzinga.

Whether these are institutions or just wealthy individuals, we don’t know. But when something this big happens with UNH, it often means somebody knows something is about to happen.

So how do we know what these investors just did?

Today, Benzinga‘s options scanner spotted 9 uncommon options trades for UnitedHealth Group.

This isn’t normal.

The overall sentiment of these big-money traders is split between 55% bullish and 22%, bearish.

Out of all of the special options we uncovered, 3 are puts, for a total amount of $102,819, and 6 are calls, for a total amount of $351,286.

Projected Price Targets

Based on the trading activity, it appears that the significant investors are aiming for a price territory stretching from $450.0 to $620.0 for UnitedHealth Group over the recent three months.

Insights into Volume & Open Interest

Assessing the volume and open interest is a strategic step in options trading. These metrics shed light on the liquidity and investor interest in UnitedHealth Group’s options at specified strike prices. The forthcoming data visualizes the fluctuation in volume and open interest for both calls and puts, linked to UnitedHealth Group’s substantial trades, within a strike price spectrum from $450.0 to $620.0 over the preceding 30 days.

UnitedHealth Group Option Activity Analysis: Last 30 Days

Biggest Options Spotted:

Symbol	PUT/CALL	Trade Type	Sentiment	Exp. Date	Ask	Bid	Price	Strike Price	Total Trade Price	Open Interest	Volume
UNH	CALL	TRADE	BEARISH	01/15/27	$104.9	$100.8	$101.98	$500.00	$173.3K	75	17
UNH	CALL	TRADE	BULLISH	06/20/25	$19.0	$18.4	$18.8	$580.00	$48.8K	1.2K	27
UNH	CALL	TRADE	BULLISH	02/21/25	$45.2	$43.55	$44.95	$480.00	$44.9K	404	10
UNH	PUT	TRADE	BULLISH	01/17/25	$44.0	$42.0	$42.0	$550.00	$42.0K	2.0K	15
UNH	PUT	TRADE	BULLISH	01/16/26	$29.8	$28.7	$28.79	$450.00	$34.5K	771	21

About UnitedHealth Group

UnitedHealth Group is one of the largest private health insurers, providing medical benefits to about 50 million members globally, including 1 million outside the us as June 2024. As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in managed care. Along with its insurance assets, UnitedHealth’s continued investments in its Optum franchises have created a healthcare services colossus that spans everything from medical and pharmaceutical benefits to providing outpatient care and analytics to both affiliated and third-party customers.

Having examined the options trading patterns of UnitedHealth Group, our attention now turns directly to the company. This shift allows us to delve into its present market position and performance

Present Market Standing of UnitedHealth Group

• With a volume of 257,536, the price of UNH is up 0.54% at $508.58.
• RSI indicators hint that the underlying stock may be approaching oversold.
• Next earnings are expected to be released in 14 days.

Professional Analyst Ratings for UnitedHealth Group

3 market experts have recently issued ratings for this stock, with a consensus target price of $638.3333333333334.

Unusual Options Activity Detected: Smart Money on the Move

Benzinga Edge’s Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. Click here for access.
* Consistent in their evaluation, an analyst from Oppenheimer keeps a Outperform rating on UnitedHealth Group with a target price of $640.
* Maintaining their stance, an analyst from Piper Sandler continues to hold a Overweight rating for UnitedHealth Group, targeting a price of $600.
* An analyst from Stephens & Co. has decided to maintain their Overweight rating on UnitedHealth Group, which currently sits at a price target of $675.

Trading options involves greater risks but also offers the potential for higher profits. Savvy traders mitigate these risks through ongoing education, strategic trade adjustments, utilizing various indicators, and staying attuned to market dynamics. Keep up with the latest options trades for UnitedHealth Group with Benzinga Pro for real-time alerts.

Gainers

Symbol	Name	Price	Change ($)	Change (%)	Volume
(NYSE:XLK)	SPDR Select Sector Fund – Technology	235.120	2.600	1.11	25.7K
(NYSE:XLE)	SPDR Select Sector Fund – Energy Select Sector	86.550	0.890	1.03	66.6K
(NYSE:XLI)	SPDR Select Sector Fund – Industrial	132.970	1.210	0.91	5.3K
(NYSE:XLRE)	Real Estate Select Sector SPDR Fund (The)	41.004	0.334	0.82	1.0K
(NYSE:XLF)	SPDR Select Sector Fund – Financial	48.700	0.370	0.76	109.2K
(NYSE:XLY)	SPDR Select Sector Fund – Consumer Discretionary	226.038	1.688	0.75	16.5K
(NYSE:XLC)	The Communication Services Select Sector SPDR Fund	97.500	0.690	0.71	396
(NYSE:XLV)	SPDR Select Sector Fund – Health Care	138.500	0.930	0.67	4.0K
(NYSE:XLB)	Materials Select Sector SPDR	84.700	0.560	0.66	657
(NYSE:XLU)	SPDR Select Sector Fund – Utilities	76.060	0.370	0.48	2.7K
(NYSE:XLP)	SPDR Select Sector Fund – Consumer Staples	78.860	0.250	0.31	3.8K

No loser in today’s Pre-market session.

Pulled from Benzinga Pro data this sector movers alert provides traders with a compiled way to read macro-level market trends. Investors garner a particular interest in sector movers to better determine sectors that are over- or under-performing to make better investing decisions on exchange-traded funds (ETFs) or individual tickers in those sectors.

For more information on sector movers, click here.

Gainers

Symbol	Name	Price	Change ($)	Change (%)	Volume
(NYSE:XLB)	Materials Select Sector SPDR	84.2300	0.430	0.51	536
(NYSE:XLY)	SPDR Select Sector Fund – Consumer Discretionary	227.0000	0.950	0.42	4.6K
(NYSE:XLK)	SPDR Select Sector Fund – Technology	235.4000	0.930	0.39	18.6K
(NYSE:XLC)	The Communication Services Select Sector SPDR Fund	97.5000	0.370	0.38	328
(NYSE:XLE)	SPDR Select Sector Fund – Energy Select Sector	84.8300	0.280	0.33	14.2K
(NYSE:XLF)	SPDR Select Sector Fund – Financial	48.4400	0.160	0.33	48.3K
(NYSE:XLU)	SPDR Select Sector Fund – Utilities	76.0085	0.248	0.32	6.4K
(NYSE:XLV)	SPDR Select Sector Fund – Health Care	137.5900	0.350	0.25	2.5K
(NYSE:XLP)	SPDR Select Sector Fund – Consumer Staples	78.5000	0.130	0.16	740
(NYSE:XLRE)	Real Estate Select Sector SPDR Fund (The)	40.4100	0.060	0.14	595

No loser in today’s Pre-market session.

Pulled from Benzinga Pro data this sector movers alerts can help traders understand macro-level market trends. Traders often look for sector movers to provide high-level analysis on which sectors are over- or under-performing to make better investing decisions on exchange traded funds (ETFs) or individual tickers in those sectors.

For more information on sector movers, click here.

Tesla Inc (NASDAQ:TSLA) has been a top performing large-cap stock in 2024 with shares up 70% year-to-date, with a large portion of the gains coming after the 2024 presidential election.

The month of January will include fourth-quarter delivery figures and fourth-quarter financial results, putting the stock in the spotlight early in 2025.

Tesla Delivery Estimates: All eyes will be on Tesla later this week with the company expected to report fourth-quarter delivery and production figures on Thursday, Jan. 2.

The company often releases quarterly delivery and production figures on the second day of the following month and with the market open Thursday after the New Year’s Day holiday Wednesday, analysts are currently eyeing this day for the official report.

New consensus estimates from analysts provided by Tesla call for the company to report fourth-quarter deliveries of 506,763 units. The estimated total consists of 476,398 Model 3 and Model Y vehicles and 31,755 other vehicles, as reported by Teslarati.

According to Tesla, the estimates are based on input from 26 analysts. The projected fourth-quarter delivery figure of 506,763 units would bring total deliveries for the year to 1,801,709.

Tesla reported a record 1,808,581 deliveries in 2023. The company would need to report deliveries of around 515,000 units in the fourth quarter to beat the 2023 total and show year-over-year growth.

Recent estimates from analysts include Goldman Sachs’ Mark Delaney estimating fourth-quarter deliveries of 510,000. The analyst has a Neutral rating and $250 price target.

UBS analyst Joseph Spak estimates Tesla will report fourth-quarter deliveries of 515,000, as reported by Teslarati. The analyst has a Sell rating and $226 price target.

Read Also: How Many EVs Has Tesla Delivered, Produced Each Quarter? A Look At The Results Since 2019

Why It’s Important: Tesla said it expected its growth rate to be lower for deliveries in 2024 than in past years. The new analyst consensus figures show the company may not post year-over-year growth and see declines in delivery units for the full year.

While this may be expected now after the past three quarterly reports, the official figure could put shares under pressure.

If Tesla is able to beat the consensus estimate it may be the result of huge financing offers and incentives during the final month, which could put pressure on automotive margins.

Tesla is set to report its fourth-quarter financial results later in January, with delivery figures likely to increase focus on key areas such as margins, Tesla Energy, and progress on FSD.

After the delivery and earnings catalyst are over, investors and analysts may want to hear more about what’s ahead like the FSD timeline and potential licensing deals to other automotive companies and a timeline update on robotaxis.

Following Tesla’s strong performance in 2024, early January catalysts could either sustain the stock’s momentum or quickly set a challenging tone for the rest of the year.

TSLA Price Action: Tesla stock is down 1% to $413.47 at the time of publication Tuesday versus a 52-week trading range of $138.80 to $488.54. Tesla stock is up 70% year-to-date in 2024.

Read Next:

• Elon Musk Is So Rich He Could Buy Every MLB, NBA, NFL, NHL Team And Still Have Cash Left Over

Photo: Shutterstock