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Citigroup Inc.

Citigroup Inc.

NYSE•C
CEO: Ms. Jane Nind Fraser Ph.D.
セクター: Financial Services
業種: Banks - Diversified
上場日: 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.
連絡先情報
388 Greenwich Street, New York, NY, 10013, United States
212-559-1000
www.citigroup.com
時価総額
$198.27B
PER (TTM)
14.1
16.2
配当利回り
2.1%
52週高値
$125.16
52週安値
$55.51
52週レンジ
79%
順位50Top 68.9%
3.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$40.86B-0.11%
直近4四半期の推移

EPS

$1.21-11.03%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

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

粗利益率 (最新四半期)

Wells Fargo & CompanyWFC
64.4%
+1.4pp
Bank of America CorporationBAC
57.7%
+6.8pp
HSBC Holdings plcHSBC
53.5%
+7.1pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
BAC$383.75B12.610.2%10.7%
HSBC$292.63B16.59.3%3.0%
WFC$273.04B13.011.8%9.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-0.3%
横ばい
4四半期純利益CAGR
-15.7%
収益性の低下
キャッシュフロー安定性
25%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月13日
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $43.84B+1.1%
    |
    EPS: $1.89+23.5%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月6日|
    売上高: $42.35B-0.7%
    |
    EPS: $1.98+28.6%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $41.26B-5.6%
    |
    EPS: $2.00+25.8%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月21日|
    売上高: $170.71B+9.9%
    |
    EPS: $6.03+48.2%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: $43.36B+6.4%
    |
    EPS: $1.53-6.7%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月2日|
    売上高: $42.64B+11.7%
    |
    EPS: $1.54+14.9%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月3日|
    売上高: $43.72B+19.9%
    |
    EPS: $1.59-28.1%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月23日|
    売上高: $155.38B+55.0%
    |
    EPS: $4.07-42.2%
    予想を下回る