Last 46 quarters of trend data · Financial Services · Banks - Diversified
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Citigroup Inc.'s quarterly P/E stands at 13.6x, up 31.6% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 8.5% YoY to 21.7x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 21.44 | 13.64 | 10.86 | 9.05 | 13.13 | 10.36 | 10.44 | 10.01 | — | 6.31 | 8.65 | 5.35 | 9.75 |
| — | +31.6% | +4.0% | -9.5% | — | +64.3% | +20.6% | +86.9% | — | -1.3% | +64.8% | -19.0% | -5.7% | |
| P/S Ratio | 1.31 | 1.08 | 0.95 | 0.83 | 0.83 | 0.70 | 0.72 | 0.70 | 0.59 | 0.49 | 0.59 | 0.63 | 0.73 |
| — | +53.9% | +31.4% | +18.5% | +40.0% | +42.2% | +22.0% | +10.4% | -18.3% | -39.0% | -38.8% | -48.9% | -55.9% | |
| P/B Ratio | 1.16 | 0.88 | 0.75 | 0.64 | 0.65 | 0.58 | 0.59 | 0.59 | 0.48 | 0.38 | 0.43 | 0.44 | 0.44 |
| — | +52.8% | +27.5% | +8.7% | +36.3% | +51.5% | +36.4% | +33.4% | +8.7% | -6.7% | -4.1% | -17.7% | -26.5% | |
| P/FCF | — | — | — | — | 1.47 | — | — | — | — | 1.42 | — | — | 0.81 |
| — | — | — | — | — | — | — | — | — | — | — | — | -98.0% | |
| EV / EBITDA | 25.14 | 21.68 | 21.57 | 22.19 | 23.33 | 19.98 | 23.17 | 20.60 | — | 16.95 | 17.80 | 11.68 | 15.62 |
| — | +8.5% | -6.9% | +7.7% | — | +17.9% | +30.2% | +76.4% | — | +29.5% | +66.1% | -9.1% | -7.3% | |
| EV / EBIT | 31.50 | 26.23 | 26.10 | 26.46 | 29.59 | 24.90 | 29.09 | 25.64 | — | 20.99 | 22.80 | 13.78 | 21.06 |
| — | +5.3% | -10.3% | +3.2% | — | +18.6% | +27.6% | +86.1% | — | +29.1% | +80.4% | -10.1% | +0.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Citigroup Inc.'s operating margin was 12.2% in Q3 2025, down 0.1 pp QoQ and up 2.1 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. Gross margin expanded 9.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 41.7% | 44.8% | 44.4% | 45.8% | 41.6% | 40.7% | 41.5% | 42.7% | 37.0% | 44.0% | 46.2% | 50.6% | 53.2% |
| — | +9.9% | +7.0% | +7.2% | +12.4% | -7.3% | -10.2% | -15.5% | -30.4% | -32.9% | -41.5% | -41.2% | -45.1% | |
| Operating Margin | 10.0% | 12.2% | 12.3% | 13.2% | 9.3% | 10.1% | 10.1% | 10.4% | -5.1% | 11.8% | 10.6% | 17.0% | 10.4% |
| — | +20.5% | +21.9% | +27.1% | +283.0% | -13.8% | -4.5% | -38.7% | -148.7% | -32.5% | -58.8% | -30.9% | -51.6% | |
| Net Margin | 7.4% | 8.6% | 9.5% | 9.9% | 7.0% | 7.5% | 7.5% | 7.7% | -4.4% | 8.7% | 7.6% | 12.6% | 8.3% |
| — | +14.6% | +25.8% | +27.8% | +257.2% | -14.2% | -1.2% | -39.0% | -153.8% | -36.9% | -61.0% | -37.0% | -52.3% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.1% | 1.8% | 1.9% | 1.9% | 1.4% | 1.5% | 1.5% | 1.6% | -0.9% | 1.7% | 1.4% | 2.2% | 1.3% |
| — | +13.4% | +21.8% | +18.0% | +254.3% | -8.6% | +10.9% | -27.3% | -170.5% | -3.1% | -39.0% | +4.4% | -20.1% | |
| ROA | 0.5% | 0.1% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | -0.1% | 0.1% | 0.1% | 0.2% | 0.1% |
| — | +6.4% | +16.3% | +18.6% | +255.3% | -9.5% | +11.3% | -26.4% | -173.4% | +1.3% | -37.2% | +2.9% | -23.2% | |
| ROIC | 1.6% | 0.4% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | -0.2% | 0.5% | 0.4% | 0.6% | 0.3% |
| — | +8.4% | +5.8% | +11.1% | +277.0% | -13.4% | +1.1% | -32.0% | -159.2% | -2.9% | -40.4% | +6.0% | -22.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Citigroup Inc.'s Debt/EBITDA ratio is 111.3x — elevated, raising questions about debt serviceability. The current ratio has improved 13.7% YoY to 0.37x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.82 | 3.37 | 3.37 | 3.51 | 2.82 | 2.95 | 2.98 | 2.97 | 2.92 | 2.74 | 2.75 | 2.76 | 2.58 |
| — | +14.2% | +12.9% | +18.1% | -3.4% | +7.6% | +8.7% | +7.6% | +13.1% | +8.2% | +10.5% | +12.2% | +10.5% | |
| Debt / EBITDA | 27.65 | 111.27 | 114.19 | 115.23 | 122.50 | 113.11 | 115.36 | 109.09 | — | 97.10 | 111.04 | 79.18 | 121.65 |
| — | -1.6% | -1.0% | +5.6% | — | +16.5% | +3.9% | +37.8% | — | +5.2% | +57.7% | +1.8% | +26.8% | |
| Current Ratio | 0.31 | 0.37 | 0.31 | 0.29 | 0.31 | 0.32 | 0.30 | 0.31 | 0.30 | 0.30 | 0.31 | 0.33 | 0.34 |
| — | +13.7% | +3.1% | -6.7% | +1.0% | +7.0% | -3.8% | -3.4% | -11.2% | -8.0% | -3.4% | -3.2% | +1.1% | |
| Quick Ratio | 0.31 | 0.37 | 0.31 | 0.29 | 0.31 | 0.32 | 0.30 | 0.31 | 0.30 | 0.30 | 0.31 | 0.33 | 0.34 |
| — | +13.7% | +3.1% | -6.7% | +1.0% | +7.0% | -3.8% | -3.4% | -11.2% | -8.0% | -3.4% | -3.2% | +1.1% | |
| Interest Coverage | 0.19 | 0.25 | 0.25 | 0.28 | 0.18 | 0.19 | 0.19 | 0.20 | -0.09 | 0.23 | 0.22 | 0.39 | 0.26 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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Citigroup Inc.'s current P/E is 21.4x. The average P/E over the last 4 quarters is 11.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citigroup Inc.'s current operating margin is 10.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Citigroup Inc.'s business trajectory between earnings reports.