CITIGROUP (C-PN) Financials
Newest figures come from the filing for Q3 FY2026, filed Nov 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the C-PN SEC filings page.
CITIGROUP INC (C-PN) reported $85.2B in revenue for fiscal year 2025, up 5.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings.
Positive reported earnings coexist with negative operating cash flow, while a highly liability-funded balance sheet absorbs most of the business’s scale.
In FY2025, net income was$14.3B while operating cash flow was-$67.6B , making reported profitability a poor proxy for cash generation. Free cash flow was-$74.2B after-$26.2B in FY2024, showing the cash shortfall worsened again even as earnings recovered.
Liabilities were
The deterioration is not simply a revenue problem: revenue rose
Financial Health Signals
We do not publish a peer-relative financial health score for CITIGROUP INC, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. The signals and metrics below are current.
CITIGROUP INC passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.
For every $1 of reported earnings, CITIGROUP INC used $4.73 of operating cash (-$67.6B OCF vs $14.3B net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.
Key Financial Metrics
Earnings & Revenue
CITIGROUP INC generated $23.8B in revenue in Q3 2026. This represents an increase of 7.9% from the same quarter a year earlier. Against the prior quarter it is down 3.7%.
CITIGROUP INC reported $5.2B in net income in Q3 2026. This represents an increase of 39.8% from the same quarter a year earlier. Against the prior quarter it is down 10.0%.
CITIGROUP INC earned $2.85 per diluted share (EPS) in Q3 2026. This represents an increase of 53.2% from the same quarter a year earlier. Against the prior quarter it is down 9.5%.
Not reported for Q3 2026.
Cash & Balance Sheet
CITIGROUP INC held $354.8B in cash against $345.8B in long-term debt as of Q3 2026.
CITIGROUP INC paid $0.67 per share in dividends in Q3 2026. This represents an increase of 11.7% from the same quarter a year earlier. Against the prior quarter it is up 11.7%.
Not reported for Q3 2026.
Margins & Returns
CITIGROUP INC's net profit margin was 22.0% in Q3 2026, showing the share of revenue converted to profit. This is up 5.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.5 percentage points.
CITIGROUP INC's quarterly ROE was 2.5% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
None of these metrics is reported for Q3 2026.
C-PN Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'26Filing | Q2'26Filing | Q4'25Filing | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.8B+7.9% | $24.8B+14.3% | $19.9B+2.1% | $22.1B+9.3% | $21.7B+8.2% | $21.6B+2.8% | $19.5B+14.2% | $20.2B+0.3% |
| Interest Expense | $21.8B+0.2% | $20.5B-0.7% | $21.0B-1.5% | $21.8B-5.8% | $20.7B-8.0% | $19.7B-13.5% | $21.3B-5.5% | $23.1B+9.9% |
| Income Tax | $1.9B+21.0% | $2.0B+69.1% | $1.3B+41.2% | $1.6B+39.7% | $1.2B+13.3% | $1.3B+18.0% | $912.0Mn/m | $1.1B-7.2% |
| Net Income | $5.2B+39.8% | $5.8B+45.1% | $2.5B-13.5% | $3.8B+15.9% | $4.0B+24.9% | $4.1B+20.6% | $2.9Bn/m | $3.2B-8.7% |
| EPS (Basic) | $2.90+53.4% | $3.20+61.6% | $1.24-8.8% | $1.89+23.5% | $1.98+28.6% | $2.00+25.8% | $1.36n/m | $1.53-6.7% |
| EPS (Diluted) | $2.85+53.2% | $3.15+60.7% | $1.21-9.0% | $1.86+23.2% | $1.96+28.9% | $1.96+24.1% | $1.33n/m | $1.51-7.4% |
| Diluted Shares (Avg) | 1.71B-8.4% | 1.74B-8.3% | N/A | 1.86B-4.0% | 1.89B-2.7% | 1.92B-1.2% | N/A | 1.94B-0.6% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
C-PN Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'26Filing | Q2'26Filing | Q4'25Filing | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.9T+11.3% | $2.9T+10.4% | $2.7T+12.9% | $2.6T+8.7% | $2.6T+9.0% | $2.6T+5.7% | $2.4T-2.4% | $2.4T+2.6% |
| Cash & Equivalents | $354.8B+1.9% | $366.4B+8.6% | $349.6B+26.4% | $348.1B+14.8% | $337.5B+37.1% | $308.3B+13.1% | $276.5B+6.0% | $303.1B+19.3% |
| Goodwill | $19.1B-0.3% | $19.0B-4.4% | $19.1B-1.0% | $19.1B-2.9% | $19.9B+0.9% | $19.4B-3.1% | $19.3B-4.0% | $19.7B-0.7% |
| Total Liabilities | $2.7T+12.4% | $2.7T+11.3% | $2.4T+14.0% | $2.4T+9.4% | $2.4T+9.7% | $2.4T+6.0% | $2.1T-2.8% | $2.2T+2.9% |
| Long-Term Debt | $345.8B+9.5% | $333.7B+5.0% | $315.8B+9.9% | $315.8B+5.6% | $317.8B+13.4% | $295.7B+3.6% | $287.3B+0.2% | $299.1B+8.5% |
| Total Equity | $209.4B-1.7% | $212.0B-0.6% | $212.3B+1.8% | $213.0B+1.9% | $213.2B+2.4% | $212.4B+2.8% | $208.6B+1.5% | $209.1B-0.2% |
| Retained Earnings | $227.7B+6.4% | $224.0B+5.8% | $215.1B+4.3% | $214.0B+4.5% | $211.7B+4.3% | $209.0B+4.0% | $206.3B+3.7% | $204.8B+1.3% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
C-PN Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'26Filing | Q2'26Filing | Q4'25Filing | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | N/A | -$46.0Bn/m | $26.6B+7.1% | $1.1Bn/m | -$36.6Bn/m | -$58.7Bn/m | $24.8Bn/m | -$16.7B-205.6% |
| Depreciation & Amortization | N/A | $2.3B+106.2% | $1.1B+8.2% | $1.1B+3.9% | $1.1B-0.4% | $1.1B-5.4% | $1.0B-13.1% | $1.1B-5.3% |
| Capital Expenditures | N/A | $3.0B+69.0% | $1.6B-3.4% | $1.6B+3.6% | $1.8B+6.8% | $1.5B-5.6% | $1.7B-4.4% | $1.6B-7.8% |
| Free Cash Flow | N/A | -$48.9Bn/m | $24.9B+7.9% | -$517.0Mn/m | -$38.3Bn/m | -$60.2Bn/m | $23.1Bn/m | -$18.2B-229.3% |
| Investing Cash Flow | N/A | -$118.6B-337.1% | -$49.3B-736.6% | -$10.0B-119.5% | $50.0B+307.8% | -$99.0B-766.8% | $7.7Bn/m | $51.4Bn/m |
| Financing Cash Flow | N/A | $182.2B+2469.6% | $25.3Bn/m | $20.7B+34.4% | $7.1Bn/m | $185.0B+1397.7% | -$47.3B-203.4% | $15.4Bn/m |
| Dividends Paid | N/A | $2.7B+104.4% | $1.4B+2.8% | $1.4B+2.1% | $1.3B+6.1% | $1.3B+2.5% | $1.3B+0.1% | $1.3B-0.7% |
| Share Buybacks | N/A | $10.3B+415.3% | $4.5B+364.9% | $5.0B+409.2% | $2.0B+1700.9% | $1.8B+324.0% | $968.0M+76.6% | $982.0M+128.9% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
C-PN Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'26Filing | Q2'26Filing | Q4'25Filing | Q3'25Filing | Q2'25Filing | Q1'25Filing | Q4'24Filing | Q3'24Filing |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.0%+5.0pp | 23.5%+5.0pp | 12.4%-2.2pp | 17.0%+1.0pp | 18.6%+2.5pp | 18.8%+2.8pp | 14.7%+25.5pp | 16.0%-1.6pp |
| Return on Equity | 2.5%+0.7pp | 2.8%+0.9pp | 1.2%-0.2pp | 1.8%+0.2pp | 1.9%+0.3pp | 1.9%+0.3pp | 1.4%+2.3pp | 1.6%-0.1pp |
| Return on Assets | 0.2%0.0pp | 0.2%+0.1pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.2%0.0pp | 0.1%+0.2pp | 0.1%0.0pp |
| Debt-to-Equity | 1.65+0.2x | 1.57+0.1x | 1.49+0.1x | 1.48+0.1x | 1.49+0.1x | 1.390.0x | 1.380.0x | 1.43+0.1x |
| Liabilities-to-Equity | 13.03+1.6x | 12.64+1.3x | 11.51+1.2x | 11.40+0.8x | 11.30+0.8x | 11.10+0.3x | 10.28-0.5x | 10.62+0.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | N/A | -197.5% | 125.4% | -2.3%+87.9pp | -176.9% | -278.9% | 118.7% | -90.2%-160.3pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Where CITIGROUP INC Ranks
Frequently Asked Questions
CITIGROUP INC (C-PN) reported $85.2B in total revenue for fiscal year 2025. This represents a 5.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
CITIGROUP INC (C-PN) revenue grew by 5.6% year-over-year, from $80.7B to $85.2B in fiscal year 2025.
Yes, CITIGROUP INC (C-PN) reported a net income of $14.3B in fiscal year 2025, with a net profit margin of 16.8%.
As of fiscal year 2025, CITIGROUP INC (C-PN) had $349.6B in cash and equivalents against $315.8B in long-term debt.
CITIGROUP INC (C-PN) had a net profit margin of 16.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
CITIGROUP INC (C-PN) has a return on equity of 6.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
CITIGROUP INC (C-PN) recorded an outflow of $74.2B in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
CITIGROUP INC (C-PN) recorded an outflow of $67.6B in operating cash flow during fiscal year 2025, representing cash used by core business activities.
CITIGROUP INC (C-PN) had $2.7T in total assets as of fiscal year 2025, including both current and long-term assets.
CITIGROUP INC (C-PN) invested $6.5B in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
CITIGROUP INC (C-PN) had a debt-to-equity ratio of 1.49 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
CITIGROUP INC (C-PN) had a liabilities-to-equity ratio of 11.51 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
CITIGROUP INC (C-PN) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
CITIGROUP INC (C-PN) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
For every $1 of reported earnings, CITIGROUP INC (C-PN) used $4.73 of operating cash (-$67.6B OCF vs $14.3B net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.