Citigroup Inc. (C) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed May 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the C SEC filings page.
Citigroup Inc. (C) 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 (10-K and 10-Q reports).
Citigroup earns on a liability-funded balance sheet, while reported cash flows swing with banking balance-sheet movements.
Net income recovered by FY2025 while ROA stayed at0.5% , showing that improved earnings still represent a modest return on a massive asset base. With assets at$2.7T and debt-to-equity at 1.5x, leverage remains central to the business model rather than a side feature of financing.
FY2025 reported operating cash flow was
Debt-to-equity rose from 1.3x in FY2021 to 1.5x in FY2025, meaning liabilities assumed a larger role in supporting the balance sheet. The capital-return pattern also matters: share count fell
Financial Health Signals
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.
Citigroup Inc. earned a return on assets of 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Citigroup Inc. scores 28/100 among other banks.
Citigroup Inc. reported revenue of $85.2B in fiscal year 2025, against $80.7B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Citigroup Inc. scores 34/100 among other banks.
Citigroup Inc. funded 8.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $212.3B of equity against $2.7T of assets. Capital ranks banks on that cushion, and Citigroup Inc. scores 8/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Citigroup Inc. scores 40/100 on it among other banks.
Not available for Citigroup Inc., and counted as zero in the overall score.
Citigroup Inc. reported net income of $14.3B in fiscal year 2025, against $12.7B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Citigroup Inc. scores 47/100 among other banks.
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.
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 $24.6B in revenue in Q2 2026. This represents an increase of 13.7% from the same quarter a year earlier. Against the prior quarter it is up 24.0%.
Citigroup Inc. reported $5.8B in net income in Q2 2026. This represents an increase of 43.9% from the same quarter a year earlier. Against the prior quarter it is up 134.1%.
Citigroup Inc. earned $3.06 per diluted share (EPS) in Q2 2026. This represents an increase of 56.1% from the same quarter a year earlier. Against the prior quarter it is up 152.9%.
Not reported for Q2 2026.
Cash & Balance Sheet
Citigroup Inc. recorded an outflow of $23.3B in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents an increase of 39.2% from the same quarter a year earlier. Against the prior quarter it is down 193.4%.
Citigroup Inc. held $349.6B in cash against $135.1B in long-term debt as of Q2 2026.
Citigroup Inc. paid $0.60 per share in dividends in Q2 2026. This represents an increase of 7.1% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Citigroup Inc.'s net profit margin was 23.5% in Q2 2026, showing the share of revenue converted to profit. This is up 4.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 11.0 percentage points.
Citigroup Inc.'s ROE was 2.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Citigroup Inc. spent $6.3B on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 215.2% from the same quarter a year earlier. Against the prior quarter it is up 40.0%.
Citigroup Inc. invested $1.4B in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 19.4% from the same quarter a year earlier. Against the prior quarter it is down 13.2%.
Not reported for Q2 2026.
C 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 | Q2'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $24.6B+13.7% | $19.9B+2.1% | $22.1B+9.3% | $21.7B+8.2% | $21.6B+2.8% | $19.5B+14.2% | $20.2B+0.3% | $20.0B+3.1% |
| SG&A Expenses | $8.4B+9.8% | $7.1B+2.1% | $7.5B+5.9% | $7.6B+10.8% | $7.5B-2.7% | $6.9B+0.6% | $7.1B-4.9% | $6.9B-6.8% |
| Interest Expense | $19.8B-4.4% | $21.0B-1.5% | $21.8B-5.8% | $20.7B-8.0% | $19.7B-13.5% | $21.3B-5.5% | $23.1B+9.9% | $22.5B+20.0% |
| Income Tax | $1.6B+33.1% | $1.3B+41.2% | $1.6B+39.7% | $1.2B+13.3% | $1.3B+18.0% | $912.0M+408.1% | $1.1B-7.2% | $1.0B-3.9% |
| Net Income | $5.8B+43.9% | $2.5B-13.5% | $3.8B+15.9% | $4.0B+24.9% | $4.1B+20.6% | $2.9B+255.3% | $3.2B-8.7% | $3.2B+10.4% |
| EPS (Basic) | $3.12+57.6% | $1.24-8.8% | $1.89+23.5% | $1.98+28.6% | $2.00+25.8% | $1.36+221.4% | $1.53-6.7% | $1.54+14.9% |
| EPS (Diluted) | $3.06+56.1% | $1.21-9.0% | $1.86+23.2% | $1.96+28.9% | $1.96+24.1% | $1.33+220.9% | $1.51-7.4% | $1.52+14.3% |
| Diluted Shares (Avg) | 1.78B-6.2% | N/A | 1.86B-4.0% | 1.89B-2.7% | 1.92B-1.2% | N/A | 1.94B-0.6% | 1.95B-1.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
C 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 | Q2'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.8T+5.9% | $2.7T+12.9% | $2.6T+8.7% | $2.6T+9.0% | $2.6T+5.7% | $2.4T-2.4% | $2.4T+2.6% | $2.4T-0.7% |
| Cash & Equivalents | $349.6B+3.6% | $349.6B+26.4% | $348.1B+14.8% | $337.5B+37.1% | $308.3B+13.1% | $276.5B+6.0% | $303.1B+19.3% | $246.1B-17.1% |
| Short-Term Investments | N/A | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | N/A | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $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% | $19.7B-1.5% |
| Total Liabilities | $2.6T+6.5% | $2.4T+14.0% | $2.4T+9.4% | $2.4T+9.7% | $2.4T+6.0% | $2.1T-2.8% | $2.2T+2.9% | $2.2T-0.8% |
| Long-Term Debt | $135.1B-57.5% | $315.8B+9.9% | $315.8B+5.6% | $317.8B+13.4% | $295.7B+3.6% | $287.3B+0.2% | $299.1B+8.5% | $280.3B+2.1% |
| Total Equity | $211.0B-1.1% | $212.3B+1.8% | $213.0B+1.9% | $213.2B+2.4% | $212.4B+2.8% | $208.6B+1.5% | $209.1B-0.2% | $208.3B-0.2% |
| Retained Earnings | $219.5B+3.7% | $215.1B+4.3% | $214.0B+4.5% | $211.7B+4.3% | $209.0B+4.0% | $206.3B+3.7% | $204.8B+1.3% | $202.9B+1.5% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
C 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 | Q2'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$21.9B+40.2% | $26.6B+7.1% | $1.1B+106.6% | -$36.6B-115.7% | -$58.7B-442.0% | $24.8B+631.4% | -$16.7B-205.6% | -$17.0B+68.6% |
| Depreciation & Amortization | $1.1B+1.6% | $1.1B+8.2% | $1.1B+3.9% | $1.1B-0.4% | $1.1B-5.4% | $1.0B-13.1% | $1.1B-5.3% | $1.1B-3.1% |
| Capital Expenditures | $1.4B-19.4% | $1.6B-3.4% | $1.6B+3.6% | $1.8B+6.8% | $1.5B-5.6% | $1.7B-4.4% | $1.6B-7.8% | $1.6B+10.3% |
| Free Cash Flow | -$23.3B+39.2% | $24.9B+7.9% | -$517.0M+97.2% | -$38.3B-106.1% | -$60.2B-384.2% | $23.1B+459.3% | -$18.2B-229.3% | -$18.6B+66.5% |
| Investing Cash Flow | -$12.4B-124.8% | -$49.3B-736.6% | -$10.0B-119.5% | $50.0B+307.8% | -$99.0B-766.8% | $7.7B+120.1% | $51.4B+504.3% | $12.3B-73.2% |
| Financing Cash Flow | $71.2B+905.1% | $25.3B+153.4% | $20.7B+34.4% | $7.1B+137.8% | $185.0B+1397.7% | -$47.3B-203.4% | $15.4B+135.0% | -$18.7B-11.2% |
| Dividends Paid | $1.4B+1.9% | $1.4B+2.8% | $1.4B+2.1% | $1.3B+6.1% | $1.3B+2.5% | $1.3B+0.1% | $1.3B-0.7% | $1.3B-2.2% |
| Share Buybacks | $6.3B+215.2% | $4.5B+364.9% | $5.0B+409.2% | $2.0B+1700.9% | $1.8B+324.0% | $968.0M+76.6% | $982.0M+128.9% | $111.0M-88.9% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
C 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 | Q2'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.5%+4.9pp | 12.4%-2.2pp | 17.0%+1.0pp | 18.6%+2.5pp | 18.8%+2.8pp | 14.7%+25.5pp | 16.0%-1.6pp | 16.1%+1.1pp |
| Return on Equity | 2.7%+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 | 1.5%+0.1pp |
| Return on Assets | 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 | 0.1%0.0pp |
| Debt-to-Equity | 0.64-0.9x | 1.49+0.1x | 1.48+0.1x | 1.49+0.1x | 1.390.0x | 1.380.0x | 1.43+0.1x | 1.350.0x |
| 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 | -94.5% | 125.4% | -2.3%+87.9pp | -176.9% | -278.9% | 118.7% | -90.2%-160.3pp | -92.9% |
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.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Citigroup Inc. C | FY2025 | $85.2B | $14.3B | 16.8% | $221.3B | 26/100 |
| UBS Group AG UBS | FY2025 | $49.6B | $7.8B | 15.7% | $147.4B | 21/100 |
Where Citigroup Inc. Ranks
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) recorded an outflow of $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) recorded an outflow of $67.6B in operating cash flow during fiscal year 2025, representing cash used by 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.
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 P/E ratio?
Citigroup Inc. (C) trades at 15.5x earnings, its market capitalization divided by net income of $14.3B net income, FY2025. The market capitalization is $221.3B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citigroup Inc.'s price-to-sales ratio?
Citigroup Inc. (C) trades at 2.6x sales, its market capitalization divided by revenue of $85.2B revenue, FY2025. The market capitalization is $221.3B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
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?
For every $1 of reported earnings, Citigroup Inc. (C) 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.
How financially healthy is Citigroup Inc.?
Citigroup Inc. (C) scores 26 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.