
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
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
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)
BAC$188.75B
C$168.30B
$135.64B
Gross Margin (Latest Quarter)
SAN79.9%
WFC64.4%
BAC57.7%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| BAC | $377.69B | 12.4 | 10.2% | 10.7% |
| HSBC | $288.47B | 16.4 | 9.3% | 3.0% |
| WFC | $272.97B | 13.0 | 11.8% | 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%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 6, 2025|Revenue: $42.35B-0.7%|EPS: $1.98+28.6%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 8, 2025|Revenue: $41.26B-5.6%|EPS: $2.00+25.8%BeatForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 21, 2025|Revenue: $170.71B+9.9%|EPS: $6.03+48.2%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 7, 2024|Revenue: $43.36B+6.4%|EPS: $1.53-6.7%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 2, 2024|Revenue: $42.64B+11.7%|EPS: $1.54+14.9%BeatForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 3, 2024|Revenue: $43.72B+19.9%|EPS: $1.59-28.1%BeatForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 23, 2024|Revenue: $155.38B+55.0%|EPS: $4.07-42.2%Beat