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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
$190.05B
P/E (TTM)
13.9
13.8
Dividend Yield
2.2%
52W High
$125.16
52W Low
$55.51
52W Range
76%
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

$2.03B+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Improved 2025 Operating Performance Net income $14.3B; excluding notable items, net income grew 13% to $16.1B versus prior year results.
Positive Operating Leverage Achieved Revenue grew 6% to $85.2B, driven by 11% NII growth; expenses managed up only 3% through disciplined management.
Strong Capital Position Maintained CET1 ratio stood at 13.18% as of year-end 2025, despite significant capital deployment activities throughout the year.
Substantial Shareholder Returns Returned $17.6B to shareholders via $13.3B in common stock repurchases and $4.3B in dividends during 2025.

Risk Factors

Regulatory Scrutiny and Costs Ongoing regulatory expectations increase compliance risks and require substantial technology and control investments across the enterprise.
Macroeconomic and Geopolitical Volatility Uncertain global economic growth, inflation, and geopolitical challenges could adversely impact client credit quality and operational results.
Credit Provisioning Increased Total provisions for credit losses rose to $10.3B, reflecting a 1% rise in net credit losses year-over-year across portfolios.
Capital Ratio Decline CET1 ratio decreased to 13.18% from 13.63% due to significant common share repurchases and increased risk-weighted assets.

Outlook

Transformation Investment Continues Transformation expenses were $3.3B (up 14%); investments remain significant in 2026 but are expected to decline over time.
Divestiture Progress Advanced Completed 25% Banamex equity stake sale in 2025; signed and closed Russia exit sale in February 2026, benefiting CET1 capital.
Capital Return Assessment Share repurchase levels will continue to be assessed quarterly, dependent on regulatory capital requirements and performance.
Interest Rate Sensitivity Banking Book NIM remains sensitive to interest rate curve shifts, impacting net interest income forecasts across various scenarios.

Peer Comparison

Revenue (TTM)

BAC stock ticker logoBAC
$191.57B
-0.5%
C stock ticker logoC
$168.30B
-1.4%
HSBC stock ticker logoHSBC
$147.86B
-11.2%

Gross Margin (Latest Quarter)

SAN stock ticker logoSAN
78.8%
-0.4pp
WFC stock ticker logoWFC
64.4%
+1.4pp
BAC stock ticker logoBAC
60.1%
+6.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BAC$341.98B11.310.1%10.7%
HSBC$274.80B12.311.9%15.3%
WFC$239.14B11.311.8%19.8%

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
50%
Cash Flow Needs Attention

Deep Research

Next earnings:Apr 13, 2026
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LTM
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