logo
Twitter
Discord
Email
logo
Citigroup Inc.

Citigroup Inc.

NYSE•C
CEO: Ms. Jane Nind Fraser Ph.D.
Sector: Financial Services
Industry: Banks - Diversified
Listing Date: 1977-01-03
Citigroup Inc., a diversified financial service holding company, provides various financial product and services to consumers, corporations, governments, and institutions worldwide. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes Treasury and Trade Solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and Securities Services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, prime brokerage, research, securities clearing, and settlement. The banking segment includes investment banking; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending, which includes corporate and commercial banking. The U.S. Personal Banking segment provides co-branded cards and retail banking services. The Wealth segment provides financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; and to professional industries, including law firms, consulting groups, accounting, and asset management. The company was founded in 1812 and is headquartered in New York, New York.
Contact Information
388 Greenwich Street, New York, NY, 10013, United States
212-559-1000
www.citigroup.com
Market Cap
$203.24B
P/E (TTM)
14.5
15.7
Dividend Yield
2.0%
52W High
$124.17
52W Low
$55.51
52W Range
85%
Rank50Top 68.9%
3.1
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$40.86B-0.11%
4-Quarter Trend

EPS

$1.21-11.03%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Rises 16% YoY Net income reached $3.75B, driven by 9.3% revenue growth and disciplined expense management, excluding a notable goodwill impairment item.
Net Interest Income Expands NII increased 12% to $14.94B; NIM improved 7 basis points sequentially to 2.40% due to higher deposit balances and spreads across key businesses.
Capital Strength Maintained CET1 Capital ratio stood at 13.3%, exceeding the newly lowered regulatory requirement of 11.6% effective October 1, 2025, post-SCB recalibration.
Significant Capital Return Returned $6.1B to common shareholders via $5.0B in share repurchases under the multiyear $20B program and $1.1B in dividends.

Risk Factors

Banamex Goodwill Impairment Recorded a $726M goodwill impairment charge in 3Q25 linked to the agreement to sell a 25% equity stake in Grupo Financiero Banamex.
Macroeconomic Uncertainty Risks Continued exposure to global macroeconomic, geopolitical tensions, government shutdowns, tariffs, and inflation impacting client activity and growth.
Credit Loss Provisioning Needs Total provisions were $2.5B, resulting in a net ACL build of $236M, driven by transfer risk associated with Russia and consumer lending volume.
Russia Deconsolidation Risk Potential deconsolidation of AO Citibank could trigger recognition of a $(1.6)B CTA loss, though largely regulatory capital neutral upon event.

Outlook

Continued Positive Operating Leverage Achieved sixth consecutive quarter of positive operating leverage, driven by revenue growth outpacing disciplined expense management efforts.
Advancing Multiyear Transformation Key investments continue in modernizing infrastructure, simplifying processes, and strengthening risk and control frameworks across the organization.
Lower Regulatory Capital Requirement Required CET1 ratio decreases to 11.6% starting October 2025, reflecting a lower Stress Capital Buffer requirement confirmed by the FRB.
Progressing Strategic Exits Significant progress made on remaining divestitures, including the announced agreement to sell a 25% equity stake in Banamex.

Peer Comparison

Revenue (TTM)

Bank of America CorporationBAC
$188.75B
-1.9%
Citigroup Inc.C
$168.30B
-1.4%
HSBC Holdings plcHSBC
$135.64B
-35.6%

Gross Margin (Latest Quarter)

Banco Santander, S.A.SAN
79.9%
-0.4pp
Wells Fargo & CompanyWFC
64.4%
+1.4pp
Bank of America CorporationBAC
57.7%
+6.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BAC$377.69B12.410.2%10.7%
HSBC$288.47B16.49.3%3.0%
WFC$272.97B13.011.8%9.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.3%
Flat Growth
4Q Net Income CAGR
-15.7%
Declining Profitability
Cash Flow Stability
25%
Cash Flow Needs Attention

Research & Insights

Next earnings:Apr 13, 2026
|
EPS:-
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $43.84B+1.1%
    |
    EPS: $1.89+23.5%
    Beat
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $42.35B-0.7%
    |
    EPS: $1.98+28.6%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $41.26B-5.6%
    |
    EPS: $2.00+25.8%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 21, 2025|
    Revenue: $170.71B+9.9%
    |
    EPS: $6.03+48.2%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $43.36B+6.4%
    |
    EPS: $1.53-6.7%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 2, 2024|
    Revenue: $42.64B+11.7%
    |
    EPS: $1.54+14.9%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 3, 2024|
    Revenue: $43.72B+19.9%
    |
    EPS: $1.59-28.1%
    Beat
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 23, 2024|
    Revenue: $155.38B+55.0%
    |
    EPS: $4.07-42.2%
    Beat