Citigroup Inc.(C)Earnings, Financials & Key Ratios

C•NYSE•Banking & Credit

20.6× P/E·Price updated Jun 17, 2026

SectorFinancial Services IndustryDiversified Banks Sub-IndustryNorth American universal banks

AboutCitigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.Show more

Net Interest Income$59.79B+10.5%
Total Revenue$168.3B-1.4%
Net Income$14.27B+12.5%
Return on Equity6.74%+10.5%
Net Interest Margin2.25%-2.1%
Efficiency Ratio32.77%+3.5%
ROA0.57%+7.0%
Equity / Assets8.05%-9.6%
Book Value per Share114.80+4.3%

C Key Insights

Citigroup Inc. (C) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 32.8% efficiency ratio
✓Healthy dividend yield of 2.0%
✓Share count reduced 2.0% through buybacks
✓Trading near 52-week high
✓Trading at only 1.3x book value

✗Weaknesses

✗High debt to equity ratio of 3.3x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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C Price & Volume

Citigroup Inc. (C) stock price & volume — 10-year historical chart

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C Growth Metrics

Citigroup Inc. (C) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.67%

5 Years13.63%

3 Years18.86%

TTM-

Profit CAGR

10 Years-1.88%

5 Years5.25%

3 Years-1.31%

TTM12.51%

EPS CAGR

10 Years2.58%

5 Years8.12%

3 Years-0.05%

TTM17.14%

Return on Capital

10 Years3.75%

5 Years3.25%

3 Years2.55%

Last Year2.34%

C Recent Earnings

Citigroup Inc. (C) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 11/12 qtrs (92%)●Beat Revenue 10/12 qtrs (83%)

Q2 2026Latest

Apr 14, 2026

Metric

Actual

Est

EPS

$3.06+15.5%

$2.65

Rev

$24.6B+4.4%

$23.6B

Q1 2026

Jan 21, 2026

Metric

Actual

Est

EPS

$1.19-33.9%

$1.80

Rev

$19.9B-5.1%

$20.9B

Q1 2026

Jan 14, 2026

Metric

Actual

Est

EPS

$1.81+9.7%

$1.65

Rev

$19.9B-5.1%

$20.9B

Q4 2025

Nov 6, 2025

Metric

Actual

Est

EPS

$1.86+7.5%

$1.73

Rev

$22.1B+4.8%

$21.1B

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 14, 2026	$3.06vs $2.65+15.5%	$24.6Bvs $23.6B+4.4%
Q1 2026	Jan 21, 2026	$1.19vs $1.80-33.9%	$19.9Bvs $20.9B-5.1%
Q1 2026	Jan 14, 2026	$1.81vs $1.65+9.7%	$19.9Bvs $20.9B-5.1%
Q4 2025	Nov 6, 2025	$1.86vs $1.73+7.5%	$22.1Bvs $21.1B+4.8%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
JPMJPMorgan Chase & Co.Direct Competitor	931.59B	333.46	16.63	3.31%	20.35%	15.95%	2.60
BACBank of America CorporationDirect Competitor	426.63B	56.53	14.80	-0.45%	15.93%	10.15%	1.21
WFCWells Fargo & CompanyDirect Competitor	269.67B	83.82	13.26	-1.49%	17.27%	11.66%	2.33
GSThe Goldman Sachs Group, Inc.Direct Competitor	349.09B	1099.14	21.42	-1.38%	13.73%	13.58%	4.88
MSMorgan StanleyDirect Competitor	358.58B	225.10	22.07	11.48%	14.66%	15.3%	4.22
USBU.S. BancorpDirect Competitor	90.11B	57.91	12.56	0.35%	17.68%	12.03%	1.19
BKThe Bank of New York Mellon CorporationProduct Competitor	100.01B	141.91	19.15	2.25%	13.72%	12.52%	0.76
STTState Street CorporationProduct Competitor	49.45B	171.10	18.20	2.98%	13.01%	10.76%	1.07

Compare C vs Peers

Citigroup Inc. (C) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs JPM

Most directly comparable listed peer for C.

Scale Benchmark

vs V

Larger-name benchmark to compare C against a more recognizable public peer.

Peer Set

Compare Top 5

vs JPM, BAC, WFC, GS

C Income Statement

Citigroup Inc. (C) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	45.06B	46.56B	48.13B	44.75B	42.49B	48.67B	54.9B	54.09B	59.79B
NII Growth %	-0.91%	3.33%	3.36%	-7.02%	-5.04%	14.53%	12.81%	-1.47%	10.53%
Net Interest Margin %	2.45%	2.43%	2.47%	1.98%	1.85%	2.01%	2.28%	2.3%	2.25%
Interest Income	61.58B	70.83B	76.51B	58.09B	50.48B	74.41B	133.26B	143.71B	142.86B
Interest Expense	16.52B	24.27B	28.38B	13.34B	7.98B	25.74B	78.36B	89.62B	83.07B
Loan Loss Provision	7.34B	7.47B	8.31B	17.38B	-3.89B	5.11B	9.12B	9.97B	10.25B
Non-Interest Income	27.38B	26.29B	26.94B	30.74B	29.39B	25.81B	22.12B	26.99B	25.44B
Non-Interest Income %	30.78%	27.07%	26.04%	34.61%	36.8%	25.76%	14.24%	15.81%	15.11%
Total Revenue	88.96B▲ 0%	97.12B▲ 9.2%	103.45B▲ 6.5%	88.83B▼ 14.1%	79.87B▼ 10.1%	100.22B▲ 25.5%	155.38B▲ 55.0%	170.71B▲ 9.9%	168.3B▼ 1.4%
Revenue Growth %	6.79%	9.17%	6.52%	-14.13%	-10.09%	25.48%	55.04%	9.86%	-1.41%
Non-Interest Expense	42.34B	41.94B	42.86B	44.49B	48.31B	50.56B	54.99B	54.07B	55.15B
Efficiency Ratio	47.59%	43.19%	41.43%	50.08%	60.49%	50.45%	35.39%	31.68%	32.77%
Operating Income	22.76B▲ 0%	23.45B▲ 3.0%	23.9B▲ 1.9%	13.63B▼ 43.0%	27.47B▲ 101.5%	18.81B▼ 31.5%	12.91B▼ 31.4%	17.05B▲ 32.0%	19.83B▲ 16.3%
Operating Margin %	25.59%	24.14%	23.1%	15.35%	34.39%	18.77%	8.31%	9.99%	11.78%
Operating Income Growth %	5.98%	3.01%	1.94%	-42.96%	101.5%	-31.53%	-31.36%	32.04%	16.32%
Pretax Income	22.76B▲ 0%	23.45B▲ 3.0%	23.9B▲ 1.9%	13.63B▼ 43.0%	27.47B▲ 101.5%	18.81B▼ 31.5%	12.91B▼ 31.4%	17.05B▲ 32.0%	19.83B▲ 16.3%
Pretax Margin %	25.59%	24.14%	23.1%	15.35%	34.39%	18.77%	8.31%	9.99%	11.78%
Income Tax	29.39B	5.36B	4.43B	2.52B	5.45B	3.64B	3.53B	4.21B	5.37B
Effective Tax Rate %	129.12%	22.85%	18.53%	18.52%	19.84%	19.37%	27.33%	24.7%	27.1%
Net Income	-6.8B▲ 0%	18.05B▲ 365.4%	19.4B▲ 7.5%	11.05B▼ 43.1%	21.95B▲ 98.7%	14.85B▼ 32.4%	9.23B▼ 37.8%	12.68B▲ 37.4%	14.27B▲ 12.5%
Net Margin %	-7.64%	18.58%	18.75%	12.44%	27.49%	14.81%	5.94%	7.43%	8.48%
Net Income Growth %	-145.59%	365.45%	7.51%	-43.06%	98.71%	-32.38%	-37.84%	37.43%	12.51%
Net Income (Continuing)	-6.63B	18.09B	19.47B	11.11B	22.02B	15.16B	9.38B	12.84B	14.46B
EPS (Diluted)	-2.98▲ 0%	6.68▲ 324.2%	8.04▲ 20.4%	4.73▼ 41.2%	10.14▲ 114.4%	7.00▼ 31.0%	4.04▼ 42.3%	5.95▲ 47.3%	6.99▲ 17.5%
EPS Growth %	-162.87%	324.16%	20.36%	-41.17%	114.38%	-30.97%	-42.29%	47.28%	17.48%
EPS (Basic)	-2.98	6.69	8.08	4.75	10.21	7.04	4.07	6.03	7.23
Diluted Shares Outstanding	2.7B	2.49B	2.27B	2.1B	2.05B	1.96B	1.96B	1.9B	1.86B

C Balance Sheet

Citigroup Inc. (C) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	461.94B	466.85B	465.46B	638.78B	541.33B	580.77B	506B	498.02B	675.44B
Cash & Due from Banks	180.52B	188.1B	193.92B	309.62B	262.03B	342.02B	260.93B	276.53B	349.58B
Short Term Investments	281.42B	278.75B	271.54B	329.16B	279.3B	238.75B	245.07B	221.49B	325.86B
Total Investments	995.3B	1.02T	1.04T	1.09T	1.15T	1.16T	1.18T	1.15T	770.09B
Investments Growth %	4.26%	2.35%	2.41%	4.59%	5.67%	0.22%	1.97%	-2.66%	-32.86%
Long-Term Investments	713.88B	739.95B	771.69B	761.92B	873.7B	916.8B	933.18B	925.42B	444.23B
Accounts Receivables	38.38B	35.45B	39.86B	44.81B	54.34B	54.19B	53.91B	50.84B	62.68B
Goodwill & Intangibles	27.4B	27.27B	26.95B	26.91B	25.79B	24.12B	24.52B	23.79B	23.38B
Goodwill	22.26B	22.05B	22.13B	22.16B	21.3B	19.69B	20.1B	19.3B	19.1B
Intangible Assets	5.15B	5.22B	4.82B	4.75B	4.5B	4.43B	4.42B	4.49B	4.28B
PP&E (Net)	0	0	0	0	24.33B	26.25B	28.75B	30.19B	33.34B
Other Assets	599.12B	646.33B	645.82B	786.94B	771.47B	814.19B	865.19B	824.4B	1.42T
Total Current Assets	502.06B	503.84B	506.7B	684.32B	596.12B	635.32B	560.19B	549.13B	738.12B
Total Non-Current Assets	1.34T	1.41T	1.44T	1.58T	1.7T	1.78T	1.85T	1.8T	1.92T
Total Assets	1.84T▲ 0%	1.92T▲ 4.1%	1.95T▲ 1.8%	2.26T▲ 15.8%	2.29T▲ 1.4%	2.42T▲ 5.5%	2.41T▼ 0.2%	2.35T▼ 2.4%	2.66T▲ 12.9%
Asset Growth %	2.81%	4.07%	1.76%	15.83%	1.39%	5.47%	-0.2%	-2.44%	12.93%
Return on Assets (ROA)	-0.37%	0.96%	1%	0.52%	0.96%	0.63%	0.38%	0.53%	0.57%
Accounts Payable	61.34B	64.57B	48.6B	50.48B	61.43B	69.22B	63.54B	66.6B	74.84B
Total Debt	437.44B	442.11B	460.15B	500.73B	473.63B	521.15B	602.18B	590.56B	715.8B
Net Debt	256.92B	254.01B	266.23B	191.11B	211.6B	179.12B	341.25B	314.03B	366.22B
Long-Term Debt	236.71B	232B	248.76B	271.69B	254.37B	271.61B	286.62B	287.3B	315.83B
Short-Term Debt	200.73B	210.11B	211.39B	229.04B	219.26B	249.54B	315.56B	303.26B	399.98B
Other Liabilities	57.02B	56.15B	57.98B	59.98B	74.92B	87.87B	75.83B	68.11B	0
Total Current Liabilities	1.35T	1.43T	1.45T	1.73T	1.76T	1.86T	1.84T	1.79T	1.53T
Total Non-Current Liabilities	293.73B	288.15B	306.74B	331.67B	329.29B	359.48B	362.45B	355.41B	315.83B
Total Liabilities	1.64T	1.72T	1.76T	2.06T	2.09T	2.21T	2.21T	2.14T	2.44T
Total Equity	201.67B▲ 0%	197.07B▼ 2.3%	193.95B▼ 1.6%	200.2B▲ 3.2%	202.67B▲ 1.2%	201.84B▼ 0.4%	206.25B▲ 2.2%	209.37B▲ 1.5%	213.82B▲ 2.1%
Equity Growth %	-10.82%	-2.28%	-1.59%	3.22%	1.23%	-0.41%	2.19%	1.51%	2.13%
Equity / Assets (Capital Ratio)	10.95%	10.28%	9.94%	8.86%	8.84%	8.35%	8.55%	8.9%	8.05%
Return on Equity (ROE)	-3.18%	9.05%	9.92%	5.61%	10.9%	7.34%	4.52%	6.1%	6.74%
Book Value per Share	74.73	78.99	85.62	95.38	98.89	102.75	105.46	110.11	114.80
Tangible BV per Share	64.58	68.06	73.72	82.56	86.31	90.47	92.92	97.60	102.24
Common Stock	31M	31M	31M	31M	31M	31M	31M	31M	31M
Additional Paid-in Capital	108.01B	107.92B	107.84B	107.85B	108B	108.46B	108.95B	109.12B	108.45B
Retained Earnings	138.43B	151.35B	165.37B	168.27B	184.95B	194.73B	198.91B	206.29B	215.13B
Accumulated OCI	-34.67B	-37.17B	-36.32B	-32.06B	-38.77B	-47.06B	-44.8B	-47.85B	-41.9B
Treasury Stock	-30.31B	-44.37B	-61.66B	-64.13B	-71.24B	-73.97B	-75.24B	-76.84B	-89.47B
Preferred Stock	19.25B	18.46B	17.98B	19.48B	19B	19B	17.6B	17.85B	20.05B

C Cash Flow Statement

Citigroup Inc. (C) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	-8.77B	36.95B	-12.84B	-23.49B	47.09B	25.07B	-73.42B	-19.67B	28.8B
Operating CF Growth %	-116.27%	521.15%	-134.74%	-82.97%	300.49%	-46.76%	-392.86%	73.21%	246.44%
Net Income	-6.69B	18.05B	19.41B	11.07B	21.95B	15.08B	9.23B	12.68B	14.14B
Depreciation & Amortization	3.66B	3.75B	3.9B	3.94B	3.96B	4.26B	4.56B	4.31B	0
Deferred Taxes	24.88B	-51M	-610M	-2.33B	1.41B	-1.14B	-2.42B	-1.9B	0
Other Non-Cash Items	3.26B	-628M	23.82B	17.02B	-19.1B	-12.68B	14.6B	24.26B	17.21B
Working Capital Changes	-33.88B	15.82B	-59.36B	-53.18B	38.86B	19.55B	-99.39B	-59.03B	-2.55B
Cash from Investing	-38.75B	-73.12B	-23.37B	-92.44B	-110.75B	-79.45B	-8.46B	86.25B	-204.72B
Purchase of Investments	-185.74B	-152.49B	-274.49B	-332.39B	-391.73B	-261.65B	-236.51B	-267.42B	-458.22B
Sale/Maturity of Investments	191.74B	145.09B	256.22B	270.51B	271.08B	232.81B	255.16B	301.64B	330.24B
Net Investment Activity	6B	-7.39B	-18.27B	-61.87B	-120.65B	-28.84B	18.65B	34.22B	-127.98B
Acquisitions	3.41B	314M	0	0	190M	5.74B	-1.39B	0	62M
Other Investing	-44.8B	-62.27B	229M	-27.13B	13.84B	-50.72B	-19.13B	58.53B	-70.28B
Cash from Financing	66.85B	44.53B	42.93B	233.59B	17.27B	137.76B	687M	-38.3B	238.03B
Dividends Paid	-3.8B	-5.02B	-5.45B	-5.35B	-5.2B	-5B	-5.21B	-5.2B	-5.37B
Share Repurchases	-14.54B	-15.23B	-19.55B	-4.42B	-11.39B	-3.25B	-6.12B	-7.52B	-18.25B
Stock Issued	0	0	1.5B	3B	3.3B	0	2.74B	5.28B	7.19B
Net Stock Activity	-14.54B	-15.23B	-18.05B	-1.43B	-8.09B	-3.25B	-3.38B	-2.24B	-11.06B
Debt Issuance (Net)	1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K	1000K
Other Financing	30.01B	74.36B	45.63B	242.86B	36.39B	79.23B	18.06B	-48.03B	139.04B
Net Change in Cash	20.02B▲ 0%	7.59B▼ 62.1%	5.81B▼ 23.4%	115.7B▲ 1890.0%	-47.58B▼ 141.1%	79.99B▲ 268.1%	-81.09B▼ 201.4%	15.6B▲ 119.2%	0▼ 100.0%
Exchange Rate Effect	693M	-773M	-908M	-1.97B	-1.2B	-3.38B	95M	-12.68B	-62.12B
Cash at Beginning	160.49B	180.52B	188.1B	193.92B	309.62B	262.03B	342.02B	260.93B	0
Cash at End	180.52B	188.1B	193.92B	309.62B	262.03B	342.02B	260.93B	276.53B	0
Interest Paid	15.68B	22.96B	27.9B	12.09B	7.14B	22.61B	72.99B	88.03B	0
Income Taxes Paid	2.08B	4.31B	4.89B	4.8B	4.03B	3.73B	5.73B	5.8B	0
Free Cash Flow	-12.13B▲ 0%	33.18B▲ 373.4%	-18.17B▼ 154.8%	-26.93B▼ 48.2%	42.97B▲ 259.5%	19.44B▼ 54.8%	-80B▼ 511.6%	-26.17B▲ 67.3%	22.28B▲ 185.2%
FCF Growth %	-123.71%	373.41%	-154.77%	-48.21%	259.54%	-54.77%	-511.58%	67.29%	185.15%

C Banking Ratios

Citigroup Inc. (C) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	6.64%	-3.18%	9.05%	9.92%	5.61%	10.9%	7.34%	4.52%	6.1%	6.74%
Return on Assets (ROA)	0.85%	-0.37%	0.96%	1%	0.52%	0.96%	0.63%	0.38%	0.53%	0.57%
Net Interest Margin	2.54%	2.45%	2.43%	2.47%	1.98%	1.85%	2.01%	2.28%	2.3%	2.25%
Efficiency Ratio	51.07%	47.59%	43.19%	41.43%	50.08%	60.49%	50.45%	35.39%	31.68%	32.77%
Equity / Assets	12.62%	10.95%	10.28%	9.94%	8.86%	8.84%	8.35%	8.55%	8.9%	8.05%
Book Value / Share	78.3	74.73	78.99	85.62	95.38	98.89	102.75	105.46	110.11	114.8
NII Growth	-2.47%	-0.91%	3.33%	3.36%	-7.02%	-5.04%	14.53%	12.81%	-1.47%	10.53%
Dividend Payout	15.34%	-	27.82%	28.08%	48.45%	23.68%	33.7%	56.48%	41%	37.65%

C SEC Filings & Documents

Citigroup Inc. (C) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 14, 2026·SEC

C Frequently Asked Questions

Citigroup Inc. (C) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Citigroup Inc. (C) saw revenue decline by 1.4% over the past year.

Yes, Citigroup Inc. (C) is profitable, generating $14.27B in net income for fiscal year 2025 (8.5% net margin).

Dividend & Returns

Yes, Citigroup Inc. (C) pays a dividend with a yield of 2.00%. This makes it attractive for income-focused investors.

Citigroup Inc. (C) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.

Industry Metrics

Citigroup Inc. (C) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.

Citigroup Inc. (C) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in C back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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Citigroup Inc.(C)Earnings, Financials & Key Ratios

C•NYSE•Banking & Credit

20.6× P/E·Price updated Jun 17, 2026

SectorFinancial Services IndustryDiversified Banks Sub-IndustryNorth American universal banks

Net Interest Income$59.79B+10.5%
Total Revenue$168.3B-1.4%
Net Income$14.27B+12.5%
Return on Equity6.74%+10.5%
Net Interest Margin2.25%-2.1%
Efficiency Ratio32.77%+3.5%
ROA0.57%+7.0%
Equity / Assets8.05%-9.6%
Book Value per Share114.80+4.3%