This is what a Motley Fool analyst thinks of Citigroup: "This is a failed company taped together by a government whose sole mission is to ensure that a disaster of this magnitude never happens again. After the past 18 months, there's essentially zero chance that Citigroup will be allowed to remain in its current form indefinitely."

So what does that mean exactly? Well, one could look to AIG for a glimpse of how the government is dealing with a "ward-of-the-state" company. The analysts call it "a slow, stable and controlled dismemberment of Citigroup [that] would achieve the government's goal of eliminating the 'too big to fail' problem for good." It might make sense to sell off big piece of Citigroup until nothing is left. Frankly, few people see a way it can earn its way to a higher stock price, especially given the massive dilution from the government exchange. Citigroup executives have not embraced a break up, but the government may have other ideas. 

For more:
- here's the article

Related Articles:
Citigroup's exchange deal final
Vikram Pandit comes out swinging
Citigroup CEO saga gets more interesting
Citigroup to make retail push?