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Friday 30 October 2026 Export C’s income statement to Excel — free account

Citigroup Inc.

C Financial Banks Diversified

Citigroup Inc.’s revenue for fiscal 2025 (year ended December 2025) was $168.3 billion, down 1.20% from fiscal 2024. In the quarter to September 2026, revenue grew 4.08%, EPS grew 52.4%, free cash flow grew 33.2% and total debt rose 9.48%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years.

122.69 3.07 −2.44%
Market cap
$211.0B
P/E
11.9×
Fwd P/E
10.6×
Dividend yield
2.56%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Filings

Insider Decisions trades per month

Total sells 23.04
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — 6 — 2 1 — — — — —
Insider Ownership 10.34%

Capital & Financial Ratios $m

Market Cap 210,950.00
Revenue 176,191.00
Net Income 18,274.00
Free Cash Flow (24,422.00)
Net Debt (1,055,460.00)
Current Ratio 1.05
Debt/Equity 1.63
P/E ratio 11.90
Fwd P/E 10.60
P/S ratio 1.30
P/B ratio 1.18
Past 5Y EPS Growth 7.50%
This Y EPS Growth 62.81% (at or above 15%: strong)
Next Y EPS Growth 12.82%
Next Y revenue growth (42.99%) (below 0%: weak)
Next 5Y EPS Growth 28.40% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 60.70%
10-year low 10-year high
P/S against its own 10 years 45.80%
10-year low 10-year high
P/B against its own 10 years 97.61%
10-year low 10-year high

Dividends

Payout Ratio 0.30
Annual Dividend Rate 3.14
Annual Dividend Yield 2.56%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.54
0.60
0.60
0.67
0.67
2025 2.32
0.56
0.56
0.60
0.60
2024 2.18
0.53
0.53
0.56
0.56
2023 2.08
0.51
0.51
0.53
0.53
2022 2.04
0.51
0.51
0.51
0.51
2021 2.04
0.51
0.51
0.51
0.51
2020 2.04
0.51
0.51
0.51
0.51
2019 1.92
0.45
0.45
0.51
0.51
2018 1.54
0.32
0.32
0.45
0.45
2017 0.96
0.16
0.16
0.32
0.32
2016 0.42
0.05
0.05
0.16
0.16
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,018,388 993,341 1,242,913 1,401,245
Receivables — — — —
Inventory — — — —
Other — — — —
1,743,520 1,720,096 2,038,575 2,303,625
2023 2024 2025 Q'26
Payables 1,308,681 1,284,458 1,403,573 1,505,322
ST’ Debt — — — —
Other 155,345 133,846 162,798 212,635
1,779,590 1,721,564 1,966,347 2,189,649

Compound Annual Growth %

10y 5y 3y
Sales 6.67% 13.63% 18.52%
Cash Flow 0.00% 0.00% 0.00%
Earnings (2.19%) 5.68% (1.68%)
Book Value (0.42%) 1.33% 1.94%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.66 Actual 2.85

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.65 1.81 Beat by 0.16
Q1 FY26 2.64 3.06 Beat by 0.42
Q2 FY26 2.72 3.15 Beat by 0.43
Q3 FY26 2.66 2.85 Beat by 0.19
Q4 FY26 2.39 — Reports 13 January 2027

EPS $

Mar Jun Sep Dec Year
’26 3.06 3.15 3.18 — —
’25 1.96 1.96 1.86 1.19 6.99
’24 1.58 1.52 1.51 1.34 5.94
’23 2.19 1.33 1.63 (1.16) 4.04
’22 2.02 2.19 1.63 1.16 7.00
’21 3.62 2.85 2.15 1.46 10.14
’20 1.05 0.50 1.40 2.08 4.87
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 44,405 45,303 45,628 — —
’25 41,250 42,352 43,840 40,855 168,297
’24 43,732 42,526 43,303 40,779 170,340
’23 37,494 38,183 41,148 39,599 156,424
’22 21,466 23,304 25,864 30,444 101,078
’21 21,695 19,738 19,406 19,026 79,865
’20 26,378 23,275 20,123 19,063 88,839
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (21,873) (24,079) — — —
’25 (58,708) (36,579) 1,100 26,555 (67,632)
’24 (10,831) (16,960) (16,674) 24,796 (19,669)
’23 (30,485) (54,059) 15,794 (4,666) (73,416)
’22 (9,247) 23,491 (1,988) 12,813 25,069
’21 23,198 365 35,622 (12,095) 47,090
’20 (25,533) 6,325 (3,046) (1,234) (23,488)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (23,285) (25,590) — — —
’25 (60,214) (38,329) (509) 24,962 (74,090)
’24 (12,276) (18,592) (18,208) 23,129 (25,947)
’23 (32,113) (55,545) 14,106 (6,391) (79,943)
’22 (10,461) 22,271 (3,175) 10,865 19,500
’21 22,378 (558) 34,697 (13,356) 43,161
’20 (25,991) 5,477 (4,015) (2,355) (26,884)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Price, $
Price, $ Low 34.52 55.23 48.42 50.67 32.00 57.40 40.01 38.17 50.51 55.51 +5.4% ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
High 61.30 77.92 80.70 80.42 83.11 80.29 69.11 53.23 73.38 122.84 +8.0% ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
People
People Employees 219,000 209,000 204,000 200,000 210,000 223,400 240,000 239,000 239,000 226,000 +0.4% ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
Revenue/emp, $m 0.38 0.43 0.48 0.52 0.42 0.36 0.42 0.65 0.71 0.74 +7.7% ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
Income, $m
Income, $m Revenue 83,309 88,962 97,120 103,449 88,839 79,865 101,078 156,424 170,340 168,297 +8.1% 95,945 100,076 104,109 (14.8%)
Gross margin, % 84.98 81.43 75.01 72.56 84.99 90.01 74.53 49.91 47.39 50.64 (34.3) pt
EBT 21,477 22,761 23,445 23,901 13,632 27,469 18,807 12,910 17,046 19,828 (0.9%)
EBT margin, % 25.78 25.59 24.14 23.10 15.34 34.39 18.61 8.25 10.01 11.78 (14.0) pt
Net income 14,912 (6,738) 18,080 19,467 11,087 22,025 14,934 9,381 12,833 14,452 (0.3%)
Depreciation 3,720 3,659 3,754 3,905 3,937 3,964 4,797 4,560 4,311 5,099 +3.6%
Per share, $
Per share, $ Revenue 28.85 32.97 38.95 45.99 42.59 39.28 51.92 81.04 89.59 91.87 +13.7%
Earnings 4.72 (2.76) 6.69 8.04 4.93 10.21 7.04 4.04 6.12 6.99 +4.5%
Cash flow 18.61 (3.25) 14.82 (5.71) (11.26) 23.16 12.88 (38.04) (10.34) (36.92) n/m
Capex (0.72) (1.11) (1.43) (2.26) (1.63) (1.93) (2.86) (3.38) (3.30) (3.53) +19.2%
Free cash flow 17.88 (4.36) 13.39 (7.96) (12.89) 21.23 10.02 (41.42) (13.65) (40.44) n/m
Book value 78.30 74.73 79.04 86.23 95.98 99.69 103.68 106.86 110.11 116.72 +4.5%
Shares, m 2,888 2,699 2,493 2,249 2,086 2,033 1,947 1,930 1,901 1,832 (4.9%)
Valuation, ×
Valuation, × P/E 12.84 0.00 7.78 9.94 12.19 5.97 6.53 13.29 11.67 16.51 9.7
P/S 2.10 2.26 1.34 1.74 1.45 1.54 0.88 0.65 0.79 1.27 1.4
P/B 0.85 1.10 0.73 1.02 0.71 0.67 0.49 0.54 0.70 1.10 0.8
EV/Sales (3.12) (2.57) (3.64) (2.83) (6.52) (6.81) (6.74) (4.02) (3.36) (4.24) (4.4)
EV/FCF (5.04) 19.43 (10.58) 16.35 21.54 (12.61) (34.91) 7.87 22.05 9.63 3.4
Cash, $m
Cash, $m Operating cash flow 53,733 (8,774) 36,952 (12,837) (23,488) 47,090 25,069 (73,416) (19,669) (67,632) n/m
Capex (2,089) (2,984) (3,562) (5,077) (3,396) (3,929) (5,569) (6,527) (6,278) (6,458) +13.4%
Free cash flow 51,644 (11,758) 33,390 (17,914) (26,884) 43,161 19,500 (79,943) (25,947) (74,090) n/m
Balance, $m
Balance, $m Working capital 41,455 73,126 54,648 46,066 (2,598) (71,099) (50,162) (36,070) (1,468) 72,228 +6.4%
Total debt 206,178 236,709 231,999 248,760 271,686 254,374 271,606 286,619 287,300 315,827 +4.9%
Net debt (435,054) (429,075) (482,907) (472,621) (707,720) (666,892) (769,934) (731,769) (706,041) (927,086) +8.8%
Shareholders’ equity 226,143 201,672 197,074 193,946 200,200 202,672 201,838 206,251 209,366 213,822 (0.6%)
Returns, %
Returns, % ROA 0.77 (0.44) 0.89 0.94 0.47 0.91 0.58 0.33 0.48 0.52 (0.3) pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0 pt
ROE 6.60 (4.13) 9.24 10.25 5.54 11.39 7.48 4.23 6.03 6.76 +0.2 pt
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 25 Oct 2026

Citigroup Inc. vs peers in Banks Diversified (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BAC Bank of America Corporation $354.0B 11.6× 11.5× −0.94% (below 0%: shrinking) −8.97% (below 0%: shrinking) +418.04% (above 0%: growing) 62.72% 0.00% Compare
HSBC HSBC Holdings plc $296.8B 12.0× — −18.77% (below 0%: shrinking) −24.07% (below 0%: shrinking) +75.40% (above 0%: growing) 100.00% 0.00% Compare
WFC Wells Fargo & Company $254.6B 11.5× 11.2× +4.25% (above 0%: growing) +17.18% (above 0%: growing) +160.40% (above 0%: growing) 65.75% 0.00% Compare
MUFG Mitsubishi UFJ Financial Group, Inc. $247.0B 16.8× — +21.62% (above 0%: growing) +32.35% (above 0%: growing) −145.30% (below 0%: shrinking) 61.56% 0.00% Compare
C Citigroup Inc. $211.0B 11.9× 10.6× +4.08% (above 0%: growing) +52.35% (above 0%: growing) +33.24% (above 0%: growing) 52.26% 0.00%
SAN Banco Santander, S.A. $170.9B 9.0× 10.6× +4.44% (above 0%: growing) +8.00% (above 0%: growing) −105.65% (below 0%: shrinking) 100.00% 0.00% Compare
SMFG Sumitomo Mitsui Financial Group Inc $155.8B 9.1× — +17.73% (above 0%: growing) +85.19% (above 0%: growing) −63.80% (below 0%: shrinking) 58.44% 0.00% Compare
UBS UBS Group AG $147.4B 15.5× 13.2× −40.29% (below 0%: shrinking) +21.33% (above 0%: growing) −53.01% (below 0%: shrinking) 100.00% 0.00% Compare
BBVA Banco Bilbao Viscaya Argentaria S.A. $132.9B 10.6× 7.7× +23.54% (above 0%: growing) +19.23% (above 0%: growing) +439.38% (above 0%: growing) 100.00% 0.00% Compare
Median of peers $208.9B 11.6× 11.2× +4.35% +18.21% +11.20% 82.88% 0.00%

All 15 Banks Diversified stocks →

From the latest earnings call

Updated

  • On the Q2 2026 call, Jane Fraser said Citi would increase marketing spending for cards, products, partnerships and AI to support long-term customer acquisition.
  • Jane Fraser said Citi expects to deconsolidate its Banamex ownership in early 2027, followed by an IPO when market conditions permit.

Analyst rating changes each firm’s latest, last six months

Firm Date Action Rating Target
Citi Oct 28, 2026 Target cut Hold 61.00 → 58.00
TD Cowen Oct 12, 2026 Resumed Buy 150.00
Citigroup Oct 2, 2026 Target raised — 82,000.00 → 113,000.00

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 77.97%
Held by the ten largest 36.24%
Holder Shares Stake Change
Vanguard 156.57m 9.16% −2.89m
BlackRock 149.51m 8.74% −4.27m
State Street 77.91m 4.56% −134.23k
Geode Capital Management 41.05m 2.40% −1.26m
Fisher Investments 36.46m 2.13% +1.24m
Franklin Templeton 36.33m 2.12% −2.96m
Capital Group 35.08m 2.05% −6.59m
Fidelity (FMR) 31.65m 1.85% +1.69m
Morgan Stanley 28.11m 1.64% +267.20k
Bank of America 27.01m 1.58% +145.00k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Citigroup Inc. (C) Latest News

29 Oct

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28 Oct

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27 Oct

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26 Oct

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C metrics, ten years each

stockrow.com/C · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com