Citigroup Inc. (C) 10-Year Financial Performance & Capital Metrics

C • • Banking & Credit

Financial ServicesDiversified BanksGlobal Universal BanksUS Global Banking Giants

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 Equity 6.1% +34.9%
Net Interest Margin 2.3% +1.0%
Efficiency Ratio 31.68% -10.5%
ROA 0.53% +39.3%
Equity / Assets 8.9% +4.1%
Book Value per Share 110.11 +4.4%
Tangible BV/Share 97.60 +5.0%
Debt/Equity 2.82 -3.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 31.7% efficiency ratio
✓Momentum leader: RS Rating 82 (top 18%)
✓Healthy dividend yield of 2.4%
✓Share count reduced 2.8% through buybacks
✓Trading at only 1.1x book value

✗Weaknesses

✗High debt to equity ratio of 2.8x

Price & Volume

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Growth Metrics

Revenue CAGR

10Y6.5%

5Y10.54%

3Y28.81%

TTM-

Profit (Net Income) CAGR

10Y5.66%

5Y-8.15%

3Y-16.71%

TTM83.94%

EPS CAGR

10Y10.46%

5Y-5.84%

3Y-16.28%

TTM105.48%

ROCE

10Y Avg3.98%

5Y Avg3.31%

3Y Avg2.91%

Latest3.01%

Peer Comparison

US Global Banking Giants

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	208.09B	116.30	19.55	9.86%	7.43%	6.87%		2.82
WFCWells Fargo & Company	293.69B	93.56	17.42	8.72%	15.73%	11.51%	1.03%	1.56
BACBank of America Corporation	412.33B	54.54	16.94	11.94%	14.1%	9.75%		2.23
JPMJPMorgan Chase & Co.	838.25B	310.90	15.74	14.61%	21.59%	16.11%		2.18

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	46.63B	45.48B	45.06B	46.56B	48.13B	44.75B	42.49B	48.67B	54.9B	54.09B
NII Growth %	-0.03%	-0.02%	-0.01%	0.03%	0.03%	-0.07%	-0.05%	0.15%	0.13%	-0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	58.55B	57.99B	61.58B	70.83B	76.51B	58.09B	50.48B	74.41B	133.26B	143.71B
Interest Expense	11.92B	12.51B	16.52B	24.27B	28.38B	13.34B	7.98B	25.74B	78.36B	89.62B
Loan Loss Provision	7.18B	6.78B	7.34B	7.47B	8.31B	17.38B	-3.89B	5.11B	9.12B	9.97B
Non-Interest Income+	29.72B	25.32B	27.38B	26.29B	26.94B	30.74B	29.39B	25.81B	22.12B	26.99B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	88.28B	83.31B	88.96B	97.12B	103.45B	88.83B	79.87B	100.22B	155.38B	170.71B
Revenue Growth %	-0.03%	-0.06%	0.07%	0.09%	0.07%	-0.14%	-0.1%	0.25%	0.55%	0.1%
Non-Interest Expense	44.35B	42.54B	42.34B	41.94B	42.86B	44.49B	48.31B	50.56B	54.99B	54.07B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	24.83B	21.48B	22.76B	23.45B	23.9B	13.63B	27.47B	18.81B	12.91B	17.05B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.69%	-0.13%	0.06%	0.03%	0.02%	-0.43%	1.02%	-0.32%	-0.31%	0.32%
Pretax Income+	24.83B	21.48B	22.76B	23.45B	23.9B	13.63B	27.47B	18.81B	12.91B	17.05B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	7.44B	6.44B	29.39B	5.36B	4.43B	2.52B	5.45B	3.64B	3.53B	4.21B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	17.24B	14.91B	-6.8B	18.05B	19.4B	11.05B	21.95B	14.85B	9.23B	12.68B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	1.36%	-0.14%	-1.46%	3.65%	0.08%	-0.43%	0.99%	-0.32%	-0.38%	0.37%
Net Income (Continuing)	17.39B	15.03B	-6.63B	18.09B	19.47B	11.11B	22.02B	15.16B	9.38B	12.84B
EPS (Diluted)+	5.42	4.74	-2.98	6.68	8.04	4.73	10.14	7.00	4.04	5.95
EPS Growth %	1.46%	-0.13%	-1.63%	3.24%	0.2%	-0.41%	1.14%	-0.31%	-0.42%	0.47%
EPS (Basic)	5.43	4.74	-2.98	6.69	8.08	4.75	10.21	7.04	4.07	6.03
Diluted Shares Outstanding	3.01B	2.89B	2.7B	2.49B	2.27B	2.1B	2.05B	1.96B	1.96B	1.9B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	133.1B	160.49B	180.52B	188.1B	193.92B	309.62B	262.03B	342.02B	260.93B	276.53B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	987.36B	954.68B	995.3B	1.02T	1.04T	1.09T	1.15T	1.16T	1.18T	1.15T
Investments Growth %	-0.04%	-0.03%	0.04%	0.02%	0.02%	0.05%	0.06%	0%	0.02%	-0.03%
Long-Term Investments	698.92B	663.5B	713.88B	739.95B	771.69B	761.92B	873.7B	916.8B	933.18B	925.42B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	22.35B	21.66B	22.26B	22.05B	22.13B	22.16B	21.3B	19.69B	20.1B	19.3B
Intangible Assets	5.5B	6.68B	5.15B	5.22B	4.82B	4.75B	4.5B	4.43B	4.42B	4.49B
PP&E (Net)	0	0	0	0	0	0	24.33B	26.25B	28.75B	30.19B
Other Assets	552.78B	617.83B	599.12B	646.33B	645.82B	786.94B	771.47B	814.19B	865.19B	824.4B
Total Current Assets	451.66B	482.42B	502.06B	503.84B	506.7B	684.32B	596.12B	635.32B	560.19B	549.13B
Total Non-Current Assets	1.28T	1.31T	1.34T	1.41T	1.44T	1.58T	1.7T	1.78T	1.85T	1.8T
Total Assets+	1.73T	1.79T	1.84T	1.92T	1.95T	2.26T	2.29T	2.42T	2.41T	2.35T
Asset Growth %	-0.06%	0.04%	0.03%	0.04%	0.02%	0.16%	0.01%	0.05%	-0%	-0.02%
Return on Assets (ROA)	0.01%	0.01%	-0%	0.01%	0.01%	0.01%	0.01%	0.01%	0%	0.01%
Accounts Payable	53.72B	57.15B	61.34B	64.57B	48.6B	50.48B	61.43B	69.22B	63.54B	66.6B
Total Debt+	368.85B	378.7B	437.44B	442.11B	460.15B	500.73B	473.63B	521.15B	602.18B	590.56B
Net Debt	235.75B	218.21B	256.92B	254.01B	266.23B	191.11B	211.6B	179.12B	341.25B	314.03B
Long-Term Debt	201.28B	206.18B	236.71B	232B	248.76B	271.69B	254.37B	271.61B	286.62B	287.3B
Short-Term Debt	167.57B	172.52B	200.73B	210.11B	211.39B	229.04B	219.26B	249.54B	315.56B	303.26B
Other Liabilities	60.15B	61.63B	57.02B	56.15B	57.98B	59.98B	74.92B	87.87B	75.83B	68.11B
Total Current Liabilities	1.25T	1.3T	1.35T	1.43T	1.45T	1.73T	1.76T	1.86T	1.84T	1.79T
Total Non-Current Liabilities	261.42B	267.81B	293.73B	288.15B	306.74B	331.67B	329.29B	359.48B	362.45B	355.41B
Total Liabilities	1.51T	1.57T	1.64T	1.72T	1.76T	2.06T	2.09T	2.21T	2.21T	2.14T
Total Equity+	223.09B	226.14B	201.67B	197.07B	193.95B	200.2B	202.67B	201.84B	206.25B	209.37B
Equity Growth %	0.05%	0.01%	-0.11%	-0.02%	-0.02%	0.03%	0.01%	-0%	0.02%	0.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.08%	0.07%	-0.03%	0.09%	0.1%	0.06%	0.11%	0.07%	0.05%	0.06%
Book Value per Share	74.17	78.30	74.73	78.99	85.62	95.38	98.89	102.75	105.46	110.11
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	31M	31M	31M	31M	31M	31M	31M	31M	31M	31M
Additional Paid-in Capital	108.29B	108.04B	108.01B	107.92B	107.84B	107.85B	108B	108.46B	108.95B	109.12B
Retained Earnings	133.84B	146.48B	138.43B	151.35B	165.37B	168.27B	184.95B	194.73B	198.91B	206.29B
Accumulated OCI	-29.34B	-32.38B	-34.67B	-37.17B	-36.32B	-32.06B	-38.77B	-47.06B	-44.8B	-47.85B
Treasury Stock	-7.68B	-16.3B	-30.31B	-44.37B	-61.66B	-64.13B	-71.24B	-73.97B	-75.24B	-76.84B
Preferred Stock	16.72B	19.25B	19.25B	18.46B	17.98B	19.48B	19B	19B	17.6B	17.85B

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	39.74B	53.93B	-8.77B	36.95B	-12.84B	-23.49B	47.09B	25.07B	-73.42B	-19.67B
Operating CF Growth %	-0.14%	0.36%	-1.16%	5.21%	-1.35%	-0.83%	3%	-0.47%	-3.93%	0.73%
Net Income	17.3B	14.97B	-6.69B	18.05B	19.41B	11.07B	21.95B	15.08B	9.23B	12.68B
Depreciation & Amortization	3.51B	3.72B	3.66B	3.75B	3.9B	3.94B	3.96B	4.26B	4.56B	4.31B
Deferred Taxes	2.79B	1.46B	24.88B	-51M	-610M	-2.33B	1.41B	-1.14B	-2.42B	-1.9B
Other Non-Cash Items	-3.07B	13.22B	3.26B	-628M	23.82B	17.02B	-19.1B	-12.68B	14.6B	24.26B
Working Capital Changes	19.21B	20.57B	-33.88B	15.82B	-59.36B	-53.18B	38.86B	19.55B	-99.39B	-59.03B
Cash from Investing+	14.88B	-54.13B	-38.75B	-73.12B	-23.37B	-92.44B	-110.75B	-79.45B	-8.46B	86.25B
Purchase of Investments	-242.36B	-211.4B	-185.74B	-152.49B	-274.49B	-332.39B	-391.73B	-261.65B	-236.51B	-267.42B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-13B	265M	3.41B	314M	0	0	190M	5.74B	-1.39B	0
Other Investing	49.92B	-37.95B	-44.8B	-62.27B	229M	-27.13B	13.84B	-50.72B	-19.13B	58.53B
Cash from Financing+	-64.77B	28.29B	66.85B	44.53B	42.93B	233.59B	17.27B	137.76B	687M	-38.3B
Dividends Paid	-1.25B	-2.29B	-3.8B	-5.02B	-5.45B	-5.35B	-5.2B	-5B	-5.21B	-5.2B
Share Repurchases	-5.45B	-9.29B	-14.54B	-15.23B	-19.55B	-4.42B	-11.39B	-3.25B	-6.12B	-7.52B
Stock Issued	0	0	0	0	1.5B	3B	3.3B	0	2.74B	5.28B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K
Other Financing	-18.82B	19.4B	30.01B	74.36B	45.63B	242.86B	36.39B	79.23B	18.06B	-48.03B
Net Change in Cash+	-11.21B	27.4B	20.02B	7.59B	5.81B	115.7B	-47.58B	79.99B	-81.09B	15.6B
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	-1000K
Cash at Beginning	32.11B	133.1B	160.49B	180.52B	188.1B	193.92B	309.62B	262.03B	342.02B	260.93B
Cash at End	20.9B	160.49B	180.52B	188.1B	193.92B	309.62B	262.03B	342.02B	260.93B	276.53B
Interest Paid	12.03B	12.07B	15.68B	22.96B	27.9B	12.09B	7.14B	22.61B	72.99B	88.03B
Income Taxes Paid	4.98B	4.36B	2.08B	4.31B	4.89B	4.8B	4.03B	3.73B	5.73B	5.8B
Free Cash Flow+	36.54B	51.18B	-12.13B	33.18B	-18.17B	-26.93B	42.97B	19.44B	-80B	-26.17B
FCF Growth %	-0.15%	0.4%	-1.24%	3.73%	-1.55%	-0.48%	2.6%	-0.55%	-5.12%	0.67%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	7.93%	6.64%	-3.18%	9.05%	9.92%	5.61%	10.9%	7.34%	4.52%	6.1%
Return on Assets (ROA)	0.97%	0.85%	-0.37%	0.96%	1%	0.52%	0.96%	0.63%	0.38%	0.53%
Net Interest Margin	2.69%	2.54%	2.45%	2.43%	2.47%	1.98%	1.85%	2.01%	2.28%	2.3%
Efficiency Ratio	50.24%	51.07%	47.59%	43.19%	41.43%	50.08%	60.49%	50.45%	35.39%	31.68%
Equity / Assets	12.89%	12.62%	10.95%	10.28%	9.94%	8.86%	8.84%	8.35%	8.55%	8.9%
Book Value / Share	74.17	78.3	74.73	78.99	85.62	95.38	98.89	102.75	105.46	110.11
NII Growth	-2.84%	-2.47%	-0.91%	3.33%	3.36%	-7.02%	-5.04%	14.53%	12.81%	-1.47%
Dividend Payout	7.27%	15.34%	-	27.82%	28.08%	48.45%	23.68%	33.7%	56.48%	41%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
U.S. Personal Banking	-	-	-	-	-	-	-	-	19.19B	20.37B
U.S. Personal Banking Growth	-	-	-	-	-	-	-	-	-	6.19%
Markets	-	-	-	-	-	-	-	-	18.86B	19.84B
Markets Growth	-	-	-	-	-	-	-	-	-	5.19%
Services	-	-	-	-	-	-	-	-	18.05B	19.65B
Services Growth	-	-	-	-	-	-	-	-	-	8.86%
Personal Banking and Wealth Management	-	-	-	-	-	-	-	-	7.09B	7.51B
Personal Banking and Wealth Management Growth	-	-	-	-	-	-	-	-	-	5.94%
Banking	-	-	-	-	-	-	-	-	4.57B	6.2B
Banking Growth	-	-	-	-	-	-	-	-	-	35.75%
Commissions And Fees	-	-	-	6.77B	7.7B	7.16B	8.52B	11.01B	-	-
Commissions And Fees Growth	-	-	-	-	13.73%	-6.95%	18.94%	29.26%	-	-
Institutional Clients Group	33.75B	33.85B	35.67B	521M	485M	495M	639M	538M	-	-
Institutional Clients Group Growth	-	0.30%	5.37%	-98.54%	-6.91%	2.06%	29.09%	-15.81%	-	-
Global Consumer Banking	33.86B	31.76B	32.7B	386M	322M	290M	260M	201M	-	-
Global Consumer Banking Growth	-	-6.20%	2.94%	-98.82%	-16.58%	-9.94%	-10.34%	-22.69%	-	-
Corporate and Other	907M	410M	3.08B	-	-	-	-	-	-	-
Corporate and Other Growth	-	-54.80%	652.44%	-	-	-	-	-	-	-
Citicorp and Corporate and Other	68.52B	66.02B	-	-	-	-	-	-	-	-
Citicorp and Corporate and Other Growth	-	-3.64%	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
International	-	-	-	-	-	-	-	38.91B	39.64B	40.39B
International Growth	-	-	-	-	-	-	-	-	1.87%	1.90%
North America	32.6B	32.8B	33.9B	-	-	-	76.14B	34.91B	36.71B	40.08B
North America Growth	-	0.61%	3.35%	-	-	-	-	-54.15%	5.14%	9.19%
other	-	-	-	-	-	-	-	1.51B	668M	668M
other Growth	-	-	-	-	-	-	-	-	-55.76%	0.00%
Asia	13B	13.8B	14.4B	-	-	-	70.47B	-	-	-
Asia Growth	-	6.15%	4.35%	-	-	-	-	-	-	-
Latin America	11.2B	9B	9.4B	-	-	-	48.37B	-	-	-
Latin America Growth	-	-19.64%	4.44%	-	-	-	-	-	-	-
EMEA	10.8B	10B	10.7B	-	-	-	28.46B	-	-	-
EMEA Growth	-	-7.41%	7.00%	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Citigroup Inc. (C) has a price-to-earnings (P/E) ratio of 19.5x. This is roughly in line with market averages.

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 2.35%. 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.

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