8-K Announcements
1Apr 14, 2026·SEC
Citigroup Inc. (C) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Citigroup Inc. (C) stock price & volume — 10-year historical chart
Citigroup Inc. (C) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Citigroup Inc. (C) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
Citigroup Inc. (C) competitors in North American universal banks — business model, growth, and fundamentals comparison
Citigroup Inc. (C) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Citigroup Inc. (C) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 45.48B | 45.06B | 46.56B | 48.13B | 44.75B | 42.49B | 48.67B | 54.9B | 54.09B | 57.86B |
| NII Growth % | -2.47% | -0.91% | 3.33% | 3.36% | -7.02% | -5.04% | 14.53% | 12.81% | -1.47% | 27.36% |
| Net Interest Margin % | 2.54% | 2.45% | 2.43% | 2.47% | 1.98% | 1.85% | 2.01% | 2.28% | 2.3% | 2.19% |
| Interest Income | 57.99B | 61.58B | 70.83B | 76.51B | 58.09B | 50.48B | 74.41B | 133.26B | 143.71B | 141.26B |
| Interest Expense | 12.51B | 16.52B | 24.27B | 28.38B | 13.34B | 7.98B | 25.74B | 78.36B | 89.62B | 83.4B |
| Loan Loss Provision | 6.78B | 7.34B | 7.47B | 8.31B | 17.38B | -3.89B | 5.11B | 9.12B | 9.97B | 10.61B |
| Non-Interest Income | 25.32B | 27.38B | 26.29B | 26.94B | 30.74B | 29.39B | 25.81B | 22.12B | 26.99B | 27.09B |
| Non-Interest Income % | 30.39% | 30.78% | 27.07% | 26.04% | 34.61% | 36.8% | 25.76% | 14.24% | 15.81% | 16.09% |
| Total Revenue | 83.31B▲ 0% | 88.96B▲ 6.8% | 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% | 168.35B▲ 0% |
| Revenue Growth % | -5.63% | 6.79% | 9.17% | 6.52% | -14.13% | -10.09% | 25.48% | 55.04% | 9.86% | -6.4% |
| Non-Interest Expense | 42.54B | 42.34B | 41.94B | 42.86B | 44.49B | 48.31B | 50.56B | 54.99B | 54.07B | 54.52B |
| Efficiency Ratio | 51.07% | 47.59% | 43.19% | 41.43% | 50.08% | 60.49% | 50.45% | 35.39% | 31.68% | 32.38% |
| Operating Income | 21.48B▲ 0% | 22.76B▲ 6.0% | 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% | 19.82B▲ 0% |
| Operating Margin % | 25.78% | 25.59% | 24.14% | 23.1% | 15.35% | 34.39% | 18.77% | 8.31% | 9.99% | 11.77% |
| Operating Income Growth % | -13.49% | 5.98% | 3.01% | 1.94% | -42.96% | 101.5% | -31.53% | -31.36% | 32.04% | - |
| Pretax Income | 21.48B▲ 0% | 22.76B▲ 6.0% | 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% | 19.82B▲ 0% |
| Pretax Margin % | 25.78% | 25.59% | 24.14% | 23.1% | 15.35% | 34.39% | 18.77% | 8.31% | 9.99% | 11.77% |
| Income Tax | 6.44B | 29.39B | 5.36B | 4.43B | 2.52B | 5.45B | 3.64B | 3.53B | 4.21B | 5B |
| Effective Tax Rate % | 30% | 129.12% | 22.85% | 18.53% | 18.52% | 19.84% | 19.37% | 27.33% | 24.7% | 25.21% |
| Net Income | 14.91B▲ 0% | -6.8B▼ 145.6% | 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% | 14.69B▲ 0% |
| Net Margin % | 17.9% | -7.64% | 18.58% | 18.75% | 12.44% | 27.49% | 14.81% | 5.94% | 7.43% | 8.73% |
| Net Income Growth % | -13.51% | -145.59% | 365.45% | 7.51% | -43.06% | 98.71% | -32.38% | -37.84% | 37.43% | 83.94% |
| Net Income (Continuing) | 15.03B | -6.63B | 18.09B | 19.47B | 11.11B | 22.02B | 15.16B | 9.38B | 12.84B | 14.82B |
| EPS (Diluted) | 4.74▲ 0% | -2.98▼ 162.9% | 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% | 7.89▲ 0% |
| EPS Growth % | -12.55% | -162.87% | 324.16% | 20.36% | -41.17% | 114.38% | -30.97% | -42.29% | 47.28% | 105.19% |
| EPS (Basic) | 4.74 | -2.98 | 6.69 | 8.08 | 4.75 | 10.21 | 7.04 | 4.07 | 6.03 | - |
| Diluted Shares Outstanding | 2.89B | 2.7B | 2.49B | 2.27B | 2.1B | 2.05B | 1.96B | 1.96B | 1.9B | 1.86B |
Citigroup Inc. (C) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 451.68B | 461.94B | 466.85B | 465.46B | 638.78B | 541.33B | 580.77B | 506B | 498.02B | 2.26T |
| Cash & Due from Banks | 160.49B | 180.52B | 188.1B | 193.92B | 309.62B | 262.03B | 342.02B | 260.93B | 276.53B | 348.06B |
| Short Term Investments | 291.19B | 281.42B | 278.75B | 271.54B | 329.16B | 279.3B | 238.75B | 245.07B | 221.49B | 324.51B |
| Total Investments | 954.68B | 995.3B | 1.02T | 1.04T | 1.09T | 1.15T | 1.16T | 1.18T | 1.15T | 1.24T |
| Investments Growth % | -3.31% | 4.26% | 2.35% | 2.41% | 4.59% | 5.67% | 0.22% | 1.97% | -2.66% | -1.17% |
| Long-Term Investments | 663.5B | 713.88B | 739.95B | 771.69B | 761.92B | 873.7B | 916.8B | 933.18B | 925.42B | 3.68T |
| Accounts Receivables | 28.89B | 38.38B | 35.45B | 39.86B | 44.81B | 54.34B | 54.19B | 53.91B | 50.84B | 75.99B |
| Goodwill & Intangibles | 28.34B | 27.4B | 27.27B | 26.95B | 26.91B | 25.79B | 24.12B | 24.52B | 23.79B | 23.46B |
| Goodwill | 21.66B | 22.26B | 22.05B | 22.13B | 22.16B | 21.3B | 19.69B | 20.1B | 19.3B | 19.13B |
| Intangible Assets | 6.68B | 5.15B | 5.22B | 4.82B | 4.75B | 4.5B | 4.43B | 4.42B | 4.49B | 4.33B |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 24.33B | 26.25B | 28.75B | 30.19B | 32.82B |
| Other Assets | 617.83B | 599.12B | 646.33B | 645.82B | 786.94B | 771.47B | 814.19B | 865.19B | 824.4B | 918.23B |
| Total Current Assets | 482.42B | 502.06B | 503.84B | 506.7B | 684.32B | 596.12B | 635.32B | 560.19B | 549.13B | 748.57B |
| Total Non-Current Assets | 1.31T | 1.34T | 1.41T | 1.44T | 1.58T | 1.7T | 1.78T | 1.85T | 1.8T | 1.89T |
| Total Assets | 1.79T▲ 0% | 1.84T▲ 2.8% | 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% | 2.64T▲ 0% |
| Asset Growth % | 3.52% | 2.81% | 4.07% | 1.76% | 15.83% | 1.39% | 5.47% | -0.2% | -2.44% | 21.01% |
| Return on Assets (ROA) | 0.85% | -0.37% | 0.96% | 1% | 0.52% | 0.96% | 0.63% | 0.38% | 0.53% | 0.56% |
| Accounts Payable | 57.15B | 61.34B | 64.57B | 48.6B | 50.48B | 61.43B | 69.22B | 63.54B | 66.6B | 89.6B |
| Total Debt | 378.7B | 437.44B | 442.11B | 460.15B | 500.73B | 473.63B | 521.15B | 602.18B | 590.56B | 720.24B |
| Net Debt | 218.21B | 256.92B | 254.01B | 266.23B | 191.11B | 211.6B | 179.12B | 341.25B | 314.03B | 372.18B |
| Long-Term Debt | 206.18B | 236.71B | 232B | 248.76B | 271.69B | 254.37B | 271.61B | 286.62B | 287.3B | 315.85B |
| Short-Term Debt | 172.52B | 200.73B | 210.11B | 211.39B | 229.04B | 219.26B | 249.54B | 315.56B | 303.26B | 404.4B |
| Other Liabilities | 61.63B | 57.02B | 56.15B | 57.98B | 59.98B | 74.92B | 87.87B | 75.83B | 68.11B | 74.5B |
| Total Current Liabilities | 1.3T | 1.35T | 1.43T | 1.45T | 1.73T | 1.76T | 1.86T | 1.84T | 1.79T | 2.04T |
| Total Non-Current Liabilities | 267.81B | 293.73B | 288.15B | 306.74B | 331.67B | 329.29B | 359.48B | 362.45B | 355.41B | 390.34B |
| Total Liabilities | 1.57T | 1.64T | 1.72T | 1.76T | 2.06T | 2.09T | 2.21T | 2.21T | 2.14T | 2.43T |
| Total Equity | 226.14B▲ 0% | 201.67B▼ 10.8% | 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% | 213.88B▲ 0% |
| Equity Growth % | 1.37% | -10.82% | -2.28% | -1.59% | 3.22% | 1.23% | -0.41% | 2.19% | 1.51% | 8.61% |
| Equity / Assets (Capital Ratio) | 12.62% | 10.95% | 10.28% | 9.94% | 8.86% | 8.84% | 8.35% | 8.55% | 8.9% | 8.09% |
| Return on Equity (ROE) | 6.64% | -3.18% | 9.05% | 9.92% | 5.61% | 10.9% | 7.34% | 4.52% | 6.1% | 6.87% |
| Book Value per Share | 78.30 | 74.73 | 78.99 | 85.62 | 95.38 | 98.89 | 102.75 | 105.46 | 110.11 | 114.83 |
| Tangible BV per Share | 68.49 | 64.58 | 68.06 | 73.72 | 82.56 | 86.31 | 90.47 | 92.92 | 97.60 | 102.23 |
| Common Stock | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M | 31M |
| Additional Paid-in Capital | 108.04B | 108.01B | 107.92B | 107.84B | 107.85B | 108B | 108.46B | 108.95B | 109.12B | 109.01B |
| Retained Earnings | 146.48B | 138.43B | 151.35B | 165.37B | 168.27B | 184.95B | 194.73B | 198.91B | 206.29B | 214.03B |
| Accumulated OCI | -32.38B | -34.67B | -37.17B | -36.32B | -32.06B | -38.77B | -47.06B | -44.8B | -47.85B | -44.17B |
| Treasury Stock | -16.3B | -30.31B | -44.37B | -61.66B | -64.13B | -71.24B | -73.97B | -75.24B | -76.84B | -84.93B |
| Preferred Stock | 19.25B | 19.25B | 18.46B | 17.98B | 19.48B | 19B | 19B | 17.6B | 17.85B | 19.05B |
Citigroup Inc. (C) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 53.93B | -8.77B | 36.95B | -12.84B | -23.49B | 47.09B | 25.07B | -73.42B | -19.67B | -19.67B |
| Operating CF Growth % | 35.72% | -116.27% | 521.15% | -134.74% | -82.97% | 300.49% | -46.76% | -392.86% | 73.21% | 180.3% |
| Net Income | 14.97B | -6.69B | 18.05B | 19.41B | 11.07B | 21.95B | 15.08B | 9.23B | 12.68B | 14.69B |
| Depreciation & Amortization | 3.72B | 3.66B | 3.75B | 3.9B | 3.94B | 3.96B | 4.26B | 4.56B | 4.31B | 4.29B |
| Deferred Taxes | 1.46B | 24.88B | -51M | -610M | -2.33B | 1.41B | -1.14B | -2.42B | -1.9B | -95M |
| Other Non-Cash Items | 13.22B | 3.26B | -628M | 23.82B | 17.02B | -19.1B | -12.68B | 14.6B | 24.26B | 9.58B |
| Working Capital Changes | 20.57B | -33.88B | 15.82B | -59.36B | -53.18B | 38.86B | 19.55B | -99.39B | -59.03B | -97.86B |
| Cash from Investing | -54.13B | -38.75B | -73.12B | -23.37B | -92.44B | -110.75B | -79.45B | -8.46B | 86.25B | -51.2B |
| Purchase of Investments | -211.4B | -185.74B | -152.49B | -274.49B | -332.39B | -391.73B | -261.65B | -236.51B | -267.42B | -288.46B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -211.4B | -185.74B | -152.49B | -274.49B | -332.39B | -391.73B | -261.65B | -236.51B | -267.42B | -288.46B |
| Acquisitions | 265M | 3.41B | 314M | 0 | 0 | 190M | 5.74B | -1.39B | 0 | 0 |
| Other Investing | -37.95B | -44.8B | -62.27B | 229M | -27.13B | 13.84B | -50.72B | -19.13B | 58.53B | -90.4B |
| Cash from Financing | 28.29B | 66.85B | 44.53B | 42.93B | 233.59B | 17.27B | 137.76B | 687M | -38.3B | 165.44B |
| Dividends Paid | -2.29B | -3.8B | -5.02B | -5.45B | -5.35B | -5.2B | -5B | -5.21B | -5.2B | -5.33B |
| Share Repurchases | -9.29B | -14.54B | -15.23B | -19.55B | -4.42B | -11.39B | -3.25B | -6.12B | -7.52B | -13.22B |
| Stock Issued | 0 | 0 | 0 | 1.5B | 3B | 3.3B | 0 | 2.74B | 5.28B | 2B |
| Net Stock Activity | -9.29B | -14.54B | -15.23B | -18.05B | -1.43B | -8.09B | -3.25B | -3.38B | -2.24B | -11.22B |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | 2M |
| Other Financing | 19.4B | 30.01B | 74.36B | 45.63B | 242.86B | 36.39B | 79.23B | 18.06B | -48.03B | 150.59B |
| Net Change in Cash | 27.4B▲ 0% | 20.02B▼ 26.9% | 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% | 44.97B▲ 0% |
| Exchange Rate Effect | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 0 |
| Cash at Beginning | 133.1B | 160.49B | 180.52B | 188.1B | 193.92B | 309.62B | 262.03B | 342.02B | 260.93B | 337.47B |
| Cash at End | 160.49B | 180.52B | 188.1B | 193.92B | 309.62B | 262.03B | 342.02B | 260.93B | 276.53B | 348.06B |
| Interest Paid | 12.07B | 15.68B | 22.96B | 27.9B | 12.09B | 7.14B | 22.61B | 72.99B | 88.03B | 81.54B |
| Income Taxes Paid | 4.36B | 2.08B | 4.31B | 4.89B | 4.8B | 4.03B | 3.73B | 5.73B | 5.8B | 6.05B |
| Free Cash Flow | 51.18B▲ 0% | -12.13B▼ 123.7% | 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% | -75.97B▲ 0% |
| FCF Growth % | 40.06% | -123.71% | 373.41% | -154.77% | -48.21% | 259.54% | -54.77% | -511.58% | 67.29% | -36.37% |
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 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.64% | -3.18% | 9.05% | 9.92% | 5.61% | 10.9% | 7.34% | 4.52% | 6.1% | 6.87% |
| Return on Assets (ROA) | 0.85% | -0.37% | 0.96% | 1% | 0.52% | 0.96% | 0.63% | 0.38% | 0.53% | 0.56% |
| Net Interest Margin | 2.54% | 2.45% | 2.43% | 2.47% | 1.98% | 1.85% | 2.01% | 2.28% | 2.3% | 2.19% |
| Efficiency Ratio | 51.07% | 47.59% | 43.19% | 41.43% | 50.08% | 60.49% | 50.45% | 35.39% | 31.68% | 32.38% |
| Equity / Assets | 12.62% | 10.95% | 10.28% | 9.94% | 8.86% | 8.84% | 8.35% | 8.55% | 8.9% | 8.09% |
| Book Value / Share | 78.3 | 74.73 | 78.99 | 85.62 | 95.38 | 98.89 | 102.75 | 105.46 | 110.11 | 114.83 |
| NII Growth | -2.47% | -0.91% | 3.33% | 3.36% | -7.02% | -5.04% | 14.53% | 12.81% | -1.47% | 6.78% |
| Dividend Payout | 15.34% | - | 27.82% | 28.08% | 48.45% | 23.68% | 33.7% | 56.48% | 41% | 36.31% |
Citigroup Inc. (C) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 14, 2026·SEC
Citigroup Inc. (C) stock FAQ — growth, dividends, profitability & financials explained
Citigroup Inc. (C) grew revenue by 9.9% over the past year. This is steady growth.
Yes, Citigroup Inc. (C) is profitable, generating $14.69B in net income for fiscal year 2024 (7.4% net margin).
Yes, Citigroup Inc. (C) pays a dividend with a yield of 2.14%. This makes it attractive for income-focused investors.
Citigroup Inc. (C) has a return on equity (ROE) of 6.1%. This is below average, suggesting room for improvement.
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 31.7%. This is excellent, indicating strong cost control.
Citigroup Inc. (C) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates