← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

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

C•NYSE•Banking & Credit
$128.04
$223.75B mkt cap·21.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryDiversified BanksSub-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$54.09B-1.5%
  • Total Revenue$170.71B+9.9%
  • Net Income$12.68B+37.4%
  • Return on Equity6.1%+34.9%
  • Net Interest Margin2.3%+1.0%
  • Efficiency Ratio31.68%-10.5%
  • ROA0.53%+39.3%
  • Equity / Assets8.9%+4.1%
  • Book Value per Share110.11+4.4%
  • Tangible BV/Share97.60+5.0%
  • Debt/Equity2.82-3.4%
Analysis→Technical→

C Key Insights

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

✓Strengths

  • ✓Efficient operations: 31.7% efficiency ratio
  • ✓Healthy dividend yield of 2.1%
  • ✓Share count reduced 2.8% through buybacks
  • ✓Trading at only 1.2x book value

✗Weaknesses

  • ✗High debt to equity ratio of 2.8x

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

C Price & Volume

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

Loading chart...

C Growth Metrics

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

Revenue CAGR

10 Years6.5%
5 Years10.54%
3 Years28.81%
TTM-

Profit CAGR

10 Years5.66%
5 Years-8.15%
3 Years-16.71%
TTM83.94%

EPS CAGR

10 Years10.46%
5 Years-5.84%
3 Years-16.28%
TTM105.19%

Return on Capital

10 Years3.98%
5 Years3.31%
3 Years2.91%
Last Year3.01%

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
EPS
$3.06
Est $2.65
+15.5%
Revenue
$24.6B
Est $23.6B
+4.4%
Q1 2026
Jan 21, 2026
EPS
$1.19
Est $1.80
-33.9%
Revenue
$19.9B
Est $20.9B
-5.1%
Q1 2026
Jan 14, 2026
EPS
$1.81
Est $1.65
+9.7%
Revenue
$19.9B
Est $20.9B
-5.1%
Q4 2025
Nov 6, 2025
EPS
$1.86
Est $1.73
+7.5%
Revenue
$22.1B
Est $21.1B
+4.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 14, 2026
$3.06vs $2.65+15.5%
$24.6Bvs $23.6B+4.4%
Q1 2026Jan 21, 2026
$1.19vs $1.80-33.9%
$19.9Bvs $20.9B-5.1%
Q1 2026Jan 14, 2026
$1.81vs $1.65+9.7%
$19.9Bvs $20.9B-5.1%
Q4 2025Nov 6, 2025
$1.86vs $1.73+7.5%
$22.1Bvs $21.1B+4.8%
Based on last 12 quarters of dataView full earnings history →

C Peer Comparison

Citigroup Inc. (C) competitors in North American universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
JPM logoJPMJPMorgan Chase & Co.Direct Competitor834.2B309.4015.6714.61%21.59%16.11%2.18
BAC logoBACBank of America CorporationDirect Competitor404.29B53.1213.91-1.91%16.23%10.1%3.12%1.21
WFC logoWFCWells Fargo & CompanyDirect Competitor247.08B79.9014.888.72%15.73%11.51%1.23%1.56
GS logoGSThe Goldman Sachs Group, Inc.Direct Competitor285.46B918.8922.6717%11.25%12.59%5.06
MS logoMSMorgan StanleyDirect Competitor301.05B189.2123.8016.83%12.98%14.57%3.42
USB logoUSBU.S. BancorpDirect Competitor86.46B55.6012.060.35%17.68%11.54%1.19
BK logoBKThe Bank of New York Mellon CorporationProduct Competitor91.09B132.3622.8217.05%11.45%11.82%1.09
STT logoSTTState Street CorporationProduct Competitor41.96B148.6818.1119.64%12.23%10.78%1.45

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
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income45.48B45.06B46.56B48.13B44.75B42.49B48.67B54.9B54.09B57.86B
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 Income57.99B61.58B70.83B76.51B58.09B50.48B74.41B133.26B143.71B141.26B
Interest Expense12.51B16.52B24.27B28.38B13.34B7.98B25.74B78.36B89.62B83.4B
Loan Loss Provision6.78B7.34B7.47B8.31B17.38B-3.89B5.11B9.12B9.97B10.61B
Non-Interest Income25.32B27.38B26.29B26.94B30.74B29.39B25.81B22.12B26.99B27.09B
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 Expense42.54B42.34B41.94B42.86B44.49B48.31B50.56B54.99B54.07B54.52B
Efficiency Ratio51.07%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 Tax6.44B29.39B5.36B4.43B2.52B5.45B3.64B3.53B4.21B5B
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-6.63B18.09B19.47B11.11B22.02B15.16B9.38B12.84B14.82B
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)4.74-2.986.698.084.7510.217.044.076.03-
Diluted Shares Outstanding2.89B2.7B2.49B2.27B2.1B2.05B1.96B1.96B1.9B1.86B

C Balance Sheet

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments451.68B461.94B466.85B465.46B638.78B541.33B580.77B506B498.02B2.26T
Cash & Due from Banks160.49B180.52B188.1B193.92B309.62B262.03B342.02B260.93B276.53B348.06B
Short Term Investments291.19B281.42B278.75B271.54B329.16B279.3B238.75B245.07B221.49B324.51B
Total Investments954.68B995.3B1.02T1.04T1.09T1.15T1.16T1.18T1.15T1.24T
Investments Growth %-3.31%4.26%2.35%2.41%4.59%5.67%0.22%1.97%-2.66%-1.17%
Long-Term Investments663.5B713.88B739.95B771.69B761.92B873.7B916.8B933.18B925.42B3.68T
Accounts Receivables28.89B38.38B35.45B39.86B44.81B54.34B54.19B53.91B50.84B75.99B
Goodwill & Intangibles28.34B27.4B27.27B26.95B26.91B25.79B24.12B24.52B23.79B23.46B
Goodwill21.66B22.26B22.05B22.13B22.16B21.3B19.69B20.1B19.3B19.13B
Intangible Assets6.68B5.15B5.22B4.82B4.75B4.5B4.43B4.42B4.49B4.33B
PP&E (Net)0000024.33B26.25B28.75B30.19B32.82B
Other Assets617.83B599.12B646.33B645.82B786.94B771.47B814.19B865.19B824.4B918.23B
Total Current Assets482.42B502.06B503.84B506.7B684.32B596.12B635.32B560.19B549.13B748.57B
Total Non-Current Assets1.31T1.34T1.41T1.44T1.58T1.7T1.78T1.85T1.8T1.89T
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 Payable57.15B61.34B64.57B48.6B50.48B61.43B69.22B63.54B66.6B89.6B
Total Debt378.7B437.44B442.11B460.15B500.73B473.63B521.15B602.18B590.56B720.24B
Net Debt218.21B256.92B254.01B266.23B191.11B211.6B179.12B341.25B314.03B372.18B
Long-Term Debt206.18B236.71B232B248.76B271.69B254.37B271.61B286.62B287.3B315.85B
Short-Term Debt172.52B200.73B210.11B211.39B229.04B219.26B249.54B315.56B303.26B404.4B
Other Liabilities61.63B57.02B56.15B57.98B59.98B74.92B87.87B75.83B68.11B74.5B
Total Current Liabilities1.3T1.35T1.43T1.45T1.73T1.76T1.86T1.84T1.79T2.04T
Total Non-Current Liabilities267.81B293.73B288.15B306.74B331.67B329.29B359.48B362.45B355.41B390.34B
Total Liabilities1.57T1.64T1.72T1.76T2.06T2.09T2.21T2.21T2.14T2.43T
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 Share78.3074.7378.9985.6295.3898.89102.75105.46110.11114.83
Tangible BV per Share68.4964.5868.0673.7282.5686.3190.4792.9297.60102.23
Common Stock31M31M31M31M31M31M31M31M31M31M
Additional Paid-in Capital108.04B108.01B107.92B107.84B107.85B108B108.46B108.95B109.12B109.01B
Retained Earnings146.48B138.43B151.35B165.37B168.27B184.95B194.73B198.91B206.29B214.03B
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 Stock19.25B19.25B18.46B17.98B19.48B19B19B17.6B17.85B19.05B

C Cash Flow Statement

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations53.93B-8.77B36.95B-12.84B-23.49B47.09B25.07B-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 Income14.97B-6.69B18.05B19.41B11.07B21.95B15.08B9.23B12.68B14.69B
Depreciation & Amortization3.72B3.66B3.75B3.9B3.94B3.96B4.26B4.56B4.31B4.29B
Deferred Taxes1.46B24.88B-51M-610M-2.33B1.41B-1.14B-2.42B-1.9B-95M
Other Non-Cash Items13.22B3.26B-628M23.82B17.02B-19.1B-12.68B14.6B24.26B9.58B
Working Capital Changes20.57B-33.88B15.82B-59.36B-53.18B38.86B19.55B-99.39B-59.03B-97.86B
Cash from Investing-54.13B-38.75B-73.12B-23.37B-92.44B-110.75B-79.45B-8.46B86.25B-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 Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-211.4B-185.74B-152.49B-274.49B-332.39B-391.73B-261.65B-236.51B-267.42B-288.46B
Acquisitions265M3.41B314M00190M5.74B-1.39B00
Other Investing-37.95B-44.8B-62.27B229M-27.13B13.84B-50.72B-19.13B58.53B-90.4B
Cash from Financing28.29B66.85B44.53B42.93B233.59B17.27B137.76B687M-38.3B165.44B
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 Issued0001.5B3B3.3B02.74B5.28B2B
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)1000K1000K-1000K1000K-1000K-1000K1000K-1000K1000K2M
Other Financing19.4B30.01B74.36B45.63B242.86B36.39B79.23B18.06B-48.03B150.59B
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-1000K1000K-1000K-1000K-1000K-1000K-1000K1000K-1000K0
Cash at Beginning133.1B160.49B180.52B188.1B193.92B309.62B262.03B342.02B260.93B337.47B
Cash at End160.49B180.52B188.1B193.92B309.62B262.03B342.02B260.93B276.53B348.06B
Interest Paid12.07B15.68B22.96B27.9B12.09B7.14B22.61B72.99B88.03B81.54B
Income Taxes Paid4.36B2.08B4.31B4.89B4.8B4.03B3.73B5.73B5.8B6.05B
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%

C Banking Ratios

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

Metric201620172018201920202021202220232024TTM
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 Margin2.54%2.45%2.43%2.47%1.98%1.85%2.01%2.28%2.3%2.19%
Efficiency Ratio51.07%47.59%43.19%41.43%50.08%60.49%50.45%35.39%31.68%32.38%
Equity / Assets12.62%10.95%10.28%9.94%8.86%8.84%8.35%8.55%8.9%8.09%
Book Value / Share78.374.7378.9985.6295.3898.89102.75105.46110.11114.83
NII Growth-2.47%-0.91%3.33%3.36%-7.02%-5.04%14.53%12.81%-1.47%6.78%
Dividend Payout15.34%-27.82%28.08%48.45%23.68%33.7%56.48%41%36.31%

C SEC Filings & Documents

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

8-K Announcements

1
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) 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).

Dividend & Returns

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.

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 31.7%. This is excellent, indicating strong cost control.

Explore More C

Citigroup Inc. (C) financial analysis — history, returns, DCA and operating performance tools

Full C Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

→

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.