Citigroup Inc. (C) Financial Ratios
30 years of historical data (1995–2024) · Financial Services · Banks - Diversified
EV/EBITDA
↑
25.14
↑+45% vs avg
5yr avg: 17.36
30Y Low10.7·High46.8
P/FCF
↑
N/A
—
5yr avg: 3.73
30Y Low0.4·High26.6
P/B Ratio
↓
1.16
↑+105% vs avg
5yr avg: 0.56
30Y Low0.3·High3.8
ROE
↑
6.1%
-11% vs avg
5yr avg: 6.9%
30Y Low-22%·High41%
Debt/EBITDA
↓
27.65
+8% vs avg
5yr avg: 25.66
30Y Low9.6·High48.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
C Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Citigroup Inc. trades at 21.4x earnings, 114% above its 5-year average of 10.0x, sitting at the 93rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 60%.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $222.9B | $133.8B | $100.6B | $88.8B | $123.8B | $129.4B | $181.0B | $129.9B | $200.8B | $171.7B | $155.6B |
| Enterprise Value | $537.0B | $447.9B | $441.9B | $268.0B | $335.4B | $320.5B | $447.2B | $383.9B | $457.7B | $389.9B | $391.4B |
| P/E Ratio → | 21.44 | 11.83 | 12.73 | 6.46 | 5.96 | 13.04 | 9.94 | 7.79 | — | 12.54 | 9.55 |
| P/S Ratio | 1.31 | 0.78 | 0.65 | 0.89 | 1.55 | 1.46 | 1.75 | 1.34 | 2.26 | 2.06 | 1.76 |
| P/B Ratio | 1.16 | 0.64 | 0.49 | 0.44 | 0.61 | 0.65 | 0.93 | 0.66 | 1.00 | 0.76 | 0.70 |
| P/FCF | — | — | — | 4.57 | 2.88 | — | — | 3.91 | — | 3.35 | 4.26 |
| P/OCF | — | — | — | 3.54 | 2.63 | — | — | 3.51 | — | 3.18 | 3.92 |
P/E links to full P/E history page with 30-year chart
C EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Citigroup Inc.'s enterprise value stands at 25.1x EBITDA, 45% above its 5-year average of 17.4x. The Financial Services sector median is 11.5x, placing the stock at a 119% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.62 | 2.84 | 2.67 | 4.20 | 3.61 | 4.32 | 3.95 | 5.15 | 4.68 | 4.43 |
| EV / EBITDA | 25.14 | 20.97 | 25.29 | 11.62 | 10.67 | 18.24 | 16.08 | 14.11 | 17.32 | 15.47 | 13.81 |
| EV / EBIT | 31.50 | 26.27 | 34.23 | 14.25 | 12.21 | 23.51 | 18.71 | 16.37 | 20.11 | 18.15 | 15.77 |
| EV / FCF | — | — | — | 13.79 | 7.80 | — | — | 11.57 | — | 7.62 | 10.71 |
C Profitability
Margins and return-on-capital ratios measuring operating efficiency
Citigroup Inc. earns an operating margin of 10.0%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 18.8% to 10.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.1% is modest, trailing the sector median of 9.5%. ROIC of 1.6% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 41.7% | 41.7% | 43.7% | 69.2% | 94.9% | 65.4% | 64.5% | 67.3% | 73.2% | 76.8% | 78.4% |
| Operating Margin | 10.0% | 10.0% | 8.3% | 18.8% | 34.4% | 15.3% | 23.1% | 24.1% | 25.6% | 25.8% | 28.1% |
| Net Profit Margin | 7.4% | 7.4% | 5.9% | 14.8% | 27.5% | 12.4% | 18.8% | 18.6% | -7.6% | 17.9% | 19.5% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.1% | 6.1% | 4.5% | 7.3% | 10.9% | 5.6% | 9.9% | 9.1% | -3.2% | 6.6% | 7.9% |
| ROA | 0.5% | 0.5% | 0.4% | 0.6% | 1.0% | 0.5% | 1.0% | 1.0% | -0.4% | 0.8% | 1.0% |
| ROIC | 1.6% | 1.6% | 1.3% | 2.0% | 3.0% | 1.5% | 2.8% | 2.8% | 2.7% | 2.7% | 3.0% |
| ROCE | 3.0% | 3.0% | 2.3% | 3.4% | 5.2% | 2.6% | 4.8% | 4.8% | 4.6% | 4.4% | 4.6% |
C Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Citigroup Inc. carries a Debt/EBITDA ratio of 27.7x, which is highly leveraged (571% above the sector average of 4.1x). Net debt stands at $314.0B ($590.6B total debt minus $276.5B cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.82 | 2.82 | 2.92 | 2.58 | 2.34 | 2.50 | 2.37 | 2.24 | 2.17 | 1.67 | 1.65 |
| Debt / EBITDA | 27.65 | 27.65 | 34.47 | 22.59 | 15.07 | 28.50 | 16.55 | 16.25 | 16.56 | 15.03 | 13.02 |
| Net Debt / Equity | — | 1.50 | 1.65 | 0.89 | 1.04 | 0.95 | 1.37 | 1.29 | 1.27 | 0.96 | 1.06 |
| Net Debt / EBITDA | 14.70 | 14.70 | 19.53 | 7.76 | 6.73 | 10.88 | 9.57 | 9.34 | 9.72 | 8.66 | 8.32 |
| Debt / FCF | — | — | — | 9.22 | 4.92 | — | — | 7.66 | — | 4.26 | 6.45 |
| Interest Coverage | 0.19 | 0.19 | 0.16 | 0.73 | 3.44 | 1.02 | 0.84 | 0.97 | 1.38 | 1.72 | 2.08 |
C Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.31x is below 1.0, meaning current liabilities exceed current assets — though the company's $276.5B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.31 | 0.31 | 0.30 | 0.34 | 0.34 | 0.40 | 0.35 | 0.35 | 0.37 | 0.37 | 0.36 |
| Quick Ratio | 0.31 | 0.31 | 0.30 | 0.34 | 0.34 | 0.40 | 0.35 | 0.35 | 0.37 | 0.37 | 0.36 |
| Cash Ratio | 0.15 | 0.15 | 0.14 | 0.18 | 0.15 | 0.18 | 0.13 | 0.13 | 0.13 | 0.12 | 0.11 |
| Asset Turnover | — | 0.07 | 0.06 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
C Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Citigroup Inc. returns 5.5% to shareholders annually — split between a 2.1% dividend yield and 3.4% buyback yield. A payout ratio of 41.0% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 4.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | 3.9% | 5.2% | 5.6% | 4.2% | 4.1% | 3.0% | 3.9% | 1.9% | 1.3% | 0.8% |
| Payout Ratio | 41.0% | 41.0% | 56.5% | 33.7% | 23.7% | 48.4% | 28.1% | 27.8% | — | 15.3% | 7.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.7% | 8.5% | 7.9% | 15.5% | 16.8% | 7.7% | 10.1% | 12.8% | — | 8.0% | 10.5% |
| FCF Yield | — | — | — | 21.9% | 34.7% | — | — | 25.5% | — | 29.8% | 23.5% |
| Buyback Yield | 3.4% | 5.6% | 6.1% | 3.7% | 9.2% | 3.4% | 10.8% | 11.7% | 7.2% | 5.4% | 3.5% |
| Total Shareholder Yield | 5.5% | 9.5% | 11.3% | 9.3% | 13.4% | 7.6% | 13.8% | 15.6% | 9.1% | 6.7% | 4.3% |
| Shares Outstanding | — | $1.9B | $2.0B | $2.0B | $2.0B | $2.1B | $2.3B | $2.5B | $2.7B | $2.9B | $3.0B |
Peer Comparison
Compare C with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CYou | $223B | 21.4 | 25.1 | — | 41.7% | 10.0% | 6.1% | 1.6% | 27.7 |
 JPM | $849B | 15.9 | 13.6 | — | 58.6% | 27.7% | 17.4% | 5.4% | 9.0 |
 BAC | $408B | 14.0 | 14.8 | 32.3 | 55.4% | 18.5% | 10.2% | 3.2% | 10.0 |
 WFC | $249B | 15.0 | 10.6 | 81.9 | 62.2% | 18.6% | 10.7% | 3.7% | 9.1 |
 GS | $291B | 23.1 | 34.9 | — | 41.1% | 14.5% | 12.0% | 1.9% | 29.7 |
 MS | $308B | 24.3 | 26.0 | — | 55.6% | 17.1% | 13.0% | 2.9% | 15.8 |
 USB | $87B | 12.2 | 11.5 | — | 62.8% | 22.2% | 12.2% | 5.2% | 7.6 |
 BK | $92B | 23.0 | 4.6 | — | 46.0% | 14.8% | 11.0% | 5.0% | 5.9 |
 STT | $43B | 18.4 | -9.2 | — | 58.5% | 15.5% | 10.9% | 4.6% | 9.2 |
 PNC | $90B | 16.2 | 14.0 | 11.4 | 59.4% | 21.5% | 11.2% | 4.5% | 8.2 |
 TFC | $67B | 15.1 | 236.4 | 30.9 | 47.0% | -2.5% | 7.8% | -0.4% | 164.7 |
| Financial Services Median | — | 13.4 | 11.5 | 10.7 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
Full C Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
Should I Buy C Right Now?
Bull case, key risks, Wall St analyst verdict, and what council investors are saying — updated daily.
See C's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs C Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare C vs JPM
Side-by-side business, growth, and profitability comparison vs JPMorgan Chase & Co..
Start ComparisonC — Frequently Asked Questions
Quick answers to the most common questions about buying C stock.
What is Citigroup Inc.'s P/E ratio?
Citigroup Inc.'s current P/E ratio is 21.4x. The historical average is 14.0x. This places it at the 93th percentile of its historical range.
What is Citigroup Inc.'s EV/EBITDA?
Citigroup Inc.'s current EV/EBITDA is 25.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 21.1x.
What is Citigroup Inc.'s ROE?
Citigroup Inc.'s return on equity (ROE) is 6.1%. The historical average is 10.9%.
Is C stock overvalued?
Based on historical data, Citigroup Inc. is trading at a P/E of 21.4x. This is at the 93th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Citigroup Inc.'s dividend yield?
Citigroup Inc.'s current dividend yield is 2.14% with a payout ratio of 41.0%.
What are Citigroup Inc.'s profit margins?
Citigroup Inc. has 41.7% gross margin and 10.0% operating margin.
How much debt does Citigroup Inc. have?
Citigroup Inc.'s Debt/EBITDA ratio is 27.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.