What is Citigroup Inc's earnings per share (EPS)?

Citigroup Inc (C) reported diluted earnings per share of $6.99 for fiscal year 2025. This represents a 17.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Citigroup Inc Financials

Source SEC Filings (10-K/10-Q) Data as of May 7, 2026 Currency USD FYE December

This page shows Citigroup Inc (C) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 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 (10-K and 10-Q reports).

Rhea AI C FY2025 2026-05-07

Citigroup's earnings rebound reflects a larger, still low-return balance sheet, while buybacks make the per-share recovery look stronger.

ROE rose from 6.1% to 6.7% by FY2025. Yet ROA stayed near 0.5% and debt-to-equity edged up to 1.5x, implying the better return to shareholders came more from slightly heavier leverage and restored profitability than from materially better asset productivity.

Liquidity looks different from leverage here: cash and equivalents ended FY2025 at $349.6B, slightly above long-term debt of $315.8B. That gives the company room to absorb funding swings, but total liabilities still sat at about 11.5x equity, so a large cash pile does not mean the balance sheet is lightly funded by capital.

Per-share progress was helped by capital returns, not only by higher total profit: the share count fell from 1.91B to 1.75B over FY2023-FY2025. With repurchases reaching $13.3B in FY2025, some of the EPS recovery came from dividing earnings across fewer shares, which lets shareholder-level results improve faster than the underlying profit pool.

Financial Health Signals

Financial Health Score 24/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Citigroup Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

3/7

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, neither operating efficiency signal passes.

Earnings Quality Low Quality

-4.73x

For every $1 of reported earnings, Citigroup Inc generates $-4.73 in operating cash flow (-$67.6B OCF vs $14.3B net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$85.2B

YoY+5.6%

5Y CAGR+2.5%

10Y CAGR+1.1%

Citigroup Inc generated $85.2B in revenue in fiscal year 2025. This represents an increase of 5.6% from the prior year.

EBITDA

N/A

Net Income

$14.3B

YoY+12.8%

5Y CAGR+5.3%

10Y CAGR-1.8%

Citigroup Inc reported $14.3B in net income in fiscal year 2025. This represents an increase of 12.8% from the prior year.

EPS (Diluted)

$6.99

YoY+17.7%

5Y CAGR+8.2%

10Y CAGR+2.6%

Citigroup Inc earned $6.99 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$74.2B

YoY-183.4%

Citigroup Inc generated -$74.2B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 183.4% from the prior year.

Cash & Debt

$349.6B

YoY+26.4%

5Y CAGR+2.5%

10Y CAGR+10.1%

Citigroup Inc held $349.6B in cash against $315.8B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

1.75B

YoY-7.2%

5Y CAGR-3.5%

10Y CAGR-5.1%

Citigroup Inc had 1.75B shares outstanding in fiscal year 2025. This represents a decrease of 7.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.8%

YoY+1.1pp

5Y CAGR+2.2pp

10Y CAGR-5.8pp

Citigroup Inc's net profit margin was 16.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.1 percentage points from the prior year.

Return on Equity

6.7%

YoY+0.7pp

5Y CAGR+1.2pp

10Y CAGR-1.0pp

Citigroup Inc's ROE was 6.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$13.3B

YoY+435.6%

5Y CAGR+35.3%

10Y CAGR+9.3%

Citigroup Inc spent $13.3B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 435.6% from the prior year.

Capital Expenditures

$6.5B

YoY+0.3%

5Y CAGR+13.6%

10Y CAGR+7.4%

Citigroup Inc invested $6.5B in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 0.3% from the prior year.

C Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$85.2B+5.6%	$80.7B+3.4%	$78.1B+3.6%	$75.3B+4.8%	$71.9B-4.8%	$75.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	$17.5B
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$29.6B+3.8%	$28.5B-2.4%	$29.2B+9.7%	$26.7B+6.1%	$25.1B+13.1%	$22.2B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$83.1B-7.3%	$89.6B+14.4%	$78.4B+204.4%	$25.7B+222.5%	$8.0B-40.2%	$13.3B
Income Tax	$5.4B+27.6%	$4.2B+19.4%	$3.5B-3.1%	$3.6B-33.2%	$5.5B+115.9%	$2.5B
Net Income	$14.3B+12.8%	$12.7B+37.4%	$9.2B-37.8%	$14.8B-32.4%	$22.0B+98.7%	$11.0B
EPS (Diluted)	$6.99+17.7%	$5.94+47.0%	$4.04-42.3%	$7.00-31.0%	$10.14+114.8%	$4.72

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$24.6B+24.0%	$19.9B-10.0%	$22.1B+1.9%	$21.7B+0.3%	$21.6B+10.9%	$19.5B-3.7%	$20.2B+0.9%	$20.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$8.4B+18.6%	$7.1B-5.4%	$7.5B-2.1%	$7.6B+2.3%	$7.5B+7.8%	$6.9B-1.9%	$7.1B+2.5%	$6.9B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$19.8B-5.8%	$21.0B-3.5%	$21.8B+5.2%	$20.7B+5.2%	$19.7B-7.8%	$21.3B-7.7%	$23.1B+2.7%	$22.5B
Income Tax	$1.6B+22.5%	$1.3B-17.4%	$1.6B+31.5%	$1.2B-11.5%	$1.3B+46.9%	$912.0M-18.3%	$1.1B+6.6%	$1.0B
Net Income	$5.8B+134.1%	$2.5B-34.1%	$3.8B-6.6%	$4.0B-1.1%	$4.1B+42.3%	$2.9B-11.8%	$3.2B+0.7%	$3.2B
EPS (Diluted)	$3.06	N/A	$1.86-5.1%	$1.960.0%	$1.96	N/A	$1.51-0.7%	$1.52

C Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.7T+12.9%	$2.4T-2.4%	$2.4T-0.2%	$2.4T+5.5%	$2.3T+1.4%	$2.3T
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$349.6B+26.4%	$276.5B+6.0%	$260.9B-23.7%	$342.0B+30.5%	$262.0B-15.4%	$309.6B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$19.1B-1.0%	$19.3B-4.0%	$20.1B+2.1%	$19.7B-7.5%	$21.3B-3.9%	$22.2B
Total Liabilities	$2.4T+14.0%	$2.1T-2.8%	$2.2T-0.4%	$2.2T+6.0%	$2.1T+1.4%	$2.1T
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$315.8B+9.9%	$287.3B+0.2%	$286.6B+5.5%	$271.6B+6.8%	$254.4B-6.4%	$271.7B
Total Equity	$212.3B+1.8%	$208.6B+1.5%	$205.5B+2.1%	$201.2B-0.4%	$202.0B+1.3%	$199.4B
Retained Earnings	$215.1B+4.3%	$206.3B+3.7%	$198.9B+2.1%	$194.7B+5.3%	$184.9B+9.9%	$168.3B

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.8T+4.5%	$2.7T+0.6%	$2.6T+0.8%	$2.6T+2.0%	$2.6T+9.3%	$2.4T-3.2%	$2.4T+1.0%	$2.4T
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$349.6B0.0%	$349.6B+0.4%	$348.1B+3.1%	$337.5B+9.5%	$308.3B+11.5%	$276.5B-8.8%	$303.1B+23.1%	$246.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$19.0B-0.5%	$19.1B-0.1%	$19.1B-3.8%	$19.9B+2.3%	$19.4B+0.6%	$19.3B-2.0%	$19.7B-0.1%	$19.7B
Total Liabilities	$2.6T+5.0%	$2.4T+0.6%	$2.4T+0.8%	$2.4T+2.1%	$2.4T+10.0%	$2.1T-3.5%	$2.2T+1.1%	$2.2T
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$135.1B-57.2%	$315.8B0.0%	$315.8B-0.6%	$317.8B+7.5%	$295.7B+2.9%	$287.3B-3.9%	$299.1B+6.7%	$280.3B
Total Equity	$211.0B-0.6%	$212.3B-0.3%	$213.0B-0.1%	$213.2B+0.4%	$212.4B+1.8%	$208.6B-0.2%	$209.1B+0.4%	$208.3B
Retained Earnings	$219.5B+2.1%	$215.1B+0.5%	$214.0B+1.1%	$211.7B+1.3%	$209.0B+1.3%	$206.3B+0.7%	$204.8B+0.9%	$202.9B

C Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$67.6B-243.9%	-$19.7B+73.2%	-$73.4B-392.9%	$25.1B-46.8%	$47.1B+300.5%	-$23.5B
Capital Expenditures	$6.5B+0.3%	$6.5B-1.3%	$6.6B+16.9%	$5.6B+36.7%	$4.1B+19.5%	$3.4B
Free Cash Flow	-$74.2B-183.4%	-$26.2B+67.3%	-$80.0B-511.6%	$19.4B-54.8%	$43.0B+259.5%	-$26.9B
Investing Cash Flow	-$108.3B-225.5%	$86.3B+1119.6%	-$8.5B+89.4%	-$79.5B+28.3%	-$110.7B-19.8%	-$92.4B
Financing Cash Flow	$238.0B+721.4%	-$38.3B-5675.5%	$687.0M-99.5%	$137.8B+697.6%	$17.3B-92.6%	$233.6B
Dividends Paid	$5.4B+3.3%	$5.2B-0.2%	$5.2B+4.2%	$5.0B-3.8%	$5.2B-2.9%	$5.4B
Share Buybacks	$13.3B+435.6%	$2.5B+25.1%	$2.0B-39.2%	$3.3B-57.2%	$7.6B+159.9%	$2.9B

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$21.9B-182.4%	$26.6B+2314.1%	$1.1B+103.0%	-$36.6B+37.7%	-$58.7B-336.8%	$24.8B+248.7%	-$16.7B+1.7%	-$17.0B
Capital Expenditures	$1.4B-13.2%	$1.6B+0.9%	$1.6B-7.9%	$1.8B+15.7%	$1.5B-10.1%	$1.7B+8.1%	$1.6B-5.0%	$1.6B
Free Cash Flow	-$23.3B-193.4%	$24.9B+4920.9%	-$517.0M+98.7%	-$38.3B+36.3%	-$60.2B-360.6%	$23.1B+226.7%	-$18.2B+2.0%	-$18.6B
Investing Cash Flow	-$12.4B+74.9%	-$49.3B-393.2%	-$10.0B-120.0%	$50.0B+150.5%	-$99.0B-1377.4%	$7.7B-84.9%	$51.4B+318.8%	$12.3B
Financing Cash Flow	$71.2B+181.8%	$25.3B+22.2%	$20.7B+191.8%	$7.1B-96.2%	$185.0B+491.0%	-$47.3B-407.4%	$15.4B+182.1%	-$18.7B
Dividends Paid	$1.4B+0.1%	$1.4B-1.4%	$1.4B+3.2%	$1.3B+0.4%	$1.3B+0.7%	$1.3B-2.1%	$1.3B+7.2%	$1.3B
Share Buybacks	$6.3B+40.0%	$4.5B-10.0%	$5.0B+150.1%	$2.0B+14.2%	$1.8B+80.9%	$968.0M-1.4%	$982.0M+784.7%	$111.0M

C Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.8%+1.1pp	15.7%+3.9pp	11.8%-7.9pp	19.7%-10.8pp	30.5%+15.9pp	14.6%
Return on Equity	6.7%+0.7pp	6.1%+1.6pp	4.5%-2.9pp	7.4%-3.5pp	10.9%+5.3pp	5.5%
Return on Assets	0.5%0.0pp	0.5%+0.2pp	0.4%-0.2pp	0.6%-0.3pp	1.0%+0.5pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.49+0.1	1.38-0.0	1.40+0.0	1.35+0.1	1.26-0.1	1.36
FCF Margin	-87.0%-54.6pp	-32.4%+70.1pp	-102.5%-128.3pp	25.8%-34.0pp	59.8%+95.5pp	-35.7%

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.5%+11.0pp	12.4%-4.5pp	17.0%-1.6pp	18.6%-0.3pp	18.8%+4.2pp	14.7%-1.4pp	16.0%-0.0pp	16.1%
Return on Equity	2.7%+1.6pp	1.2%-0.6pp	1.8%-0.1pp	1.9%-0.0pp	1.9%+0.5pp	1.4%-0.2pp	1.6%0.0pp	1.5%
Return on Assets	0.2%+0.1pp	0.1%-0.1pp	0.1%-0.0pp	0.1%-0.0pp	0.2%+0.0pp	0.1%-0.0pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.64-0.8	1.490.0	1.480.0	1.49+0.1	1.39+0.0	1.38-0.1	1.43+0.1	1.35
FCF Margin	-94.5%-220.0pp	125.4%+127.8pp	-2.3%+174.6pp	-176.9%+101.9pp	-278.9%-397.6pp	118.7%+209.0pp	-90.2%+2.6pp	-92.9%

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Frequently Asked Questions

What is Citigroup Inc's annual revenue?

Citigroup Inc (C) 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.

How fast is Citigroup Inc's revenue growing?

Citigroup Inc (C) revenue grew by 5.6% year-over-year, from $80.7B to $85.2B in fiscal year 2025.

Is Citigroup Inc profitable?

Yes, Citigroup Inc (C) reported a net income of $14.3B in fiscal year 2025, with a net profit margin of 16.8%.

How much debt does Citigroup Inc have?

As of fiscal year 2025, Citigroup Inc (C) had $349.6B in cash and equivalents against $315.8B in long-term debt.

What is Citigroup Inc's net profit margin?

Citigroup Inc (C) had a net profit margin of 16.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Citigroup Inc's return on equity (ROE)?

Citigroup Inc (C) has a return on equity of 6.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Citigroup Inc's free cash flow?

Citigroup Inc (C) generated -$74.2B in free cash flow during fiscal year 2025. This represents a -183.4% change compared to the previous fiscal year. 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.

What is Citigroup Inc's operating cash flow?

Citigroup Inc (C) generated -$67.6B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Citigroup Inc's total assets?

Citigroup Inc (C) had $2.7T in total assets as of fiscal year 2025, including both current and long-term assets.

What are Citigroup Inc's capital expenditures?

Citigroup Inc (C) invested $6.5B in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Citigroup Inc buy back shares?

Yes, Citigroup Inc (C) spent $13.3B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Citigroup Inc have outstanding?

Citigroup Inc (C) had 1.75B shares outstanding as of fiscal year 2025.

What is Citigroup Inc's debt-to-equity ratio?

Citigroup Inc (C) had a debt-to-equity ratio of 1.49 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Citigroup Inc's return on assets (ROA)?

Citigroup Inc (C) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Citigroup Inc's cash runway?

Based on fiscal year 2025 data, Citigroup Inc (C) had $349.6B in cash against an annual operating cash burn of $67.6B. This gives an estimated cash runway of approximately 62 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Citigroup Inc's Piotroski F-Score?

Citigroup Inc (C) 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.

Are Citigroup Inc's earnings high quality?

Citigroup Inc (C) has an earnings quality ratio of -4.73x, considered low quality (accrual-driven). 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.

How financially healthy is Citigroup Inc?

Citigroup Inc (C) scores 24 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.