STOCK TITAN

Citigroup Inc. 424B Filings

C NYSE

Every 424B that Citigroup Inc. (C) has filed with the SEC in the last 12 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.

A 424B covers the supplement that carries the terms of a priced offering, so if you follow C and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full C filings page.

Rhea-AI Summary

Citigroup Inc. is offering callable fixed rate notes due February 19, 2036 that pay 4.90% interest per year on a stated principal amount of $1,000 per note. Interest is paid semi-annually on February 19 and August 19, starting August 19, 2026, using a 30/360 day-count convention.

Citigroup may redeem the notes at its option, in whole but not in part, at 100% of principal plus accrued interest on the 19th of February, May, August and November, beginning August 19, 2027. The notes are not listed on any securities exchange and are intended to qualify as eligible TLAC debt, meaning losses in a Citigroup bankruptcy would be imposed on shareholders first and then unsecured creditors, including noteholders.

A wholly owned Citigroup subsidiary may assume the issuer obligations with at least 15 business days’ notice, with Citigroup guaranteeing payments. The issue price is generally $1,000 per note, with CGMI receiving an underwriting fee of up to $15 per note, and temporary secondary-market prices will include a short-term upward adjustment that amortizes over about six months.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured Callable Contingent Coupon Equity Linked Securities tied to the worst performer of the Nasdaq‑100, Russell 2000 and S&P 500 indices, each with a $1,000 stated principal amount and total proceeds of $2,879,000.

The notes pay a contingent coupon of 0.7833% per month (about 9.40% per year) only when the worst-performing index on a valuation date is at or above 70% of its initial level. At maturity in February 2029, if not called, investors receive $1,000 per note only if the worst index is at or above 60% of its initial level; otherwise principal is reduced one-for-one with that index’s loss, potentially to zero.

The issuer may redeem the notes early on specified dates at par plus any due coupon. The securities are not listed, have limited liquidity, and all payments depend on the credit of Citigroup Global Markets Holdings Inc. and Citigroup Inc. The initial estimated value is $974.40 per $1,000, below the issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings is offering unsecured autocallable barrier securities linked to the worst performer of the Russell 2000 Index, the Technology Select Sector SPDR ETF (XLK) and the Utilities Select Sector SPDR ETF (XLU), maturing on February 15, 2030 and fully guaranteed by Citigroup Inc.

The notes have a $1,000 stated principal amount, pay no interest, are not principal-protected and are subject to Citigroup credit risk. They can be automatically redeemed early if the worst-performing underlying on a valuation date is at or above its initial level, paying $1,000 plus a premium of 16.27%, 32.54% or 48.81% on the 2027, 2028 or 2029 observation dates, respectively.

If not called, maturity payment depends solely on the worst-performing underlying: full principal plus upside at a 100% participation rate if it finishes above its initial level; principal repayment if it is between 70% and 100% of its initial level; or a 1-for-1 loss below the 70% barrier, potentially to zero. The estimated value is $902 per $1,000 note at pricing, the issue size totals $671,000, the underwriting fee is up to $37.50 per note, and the securities will not be listed, so liquidity may be limited.

Rhea-AI Summary

Citigroup Inc. is offering medium-term senior unsecured notes that pay a fixed coupon of 9.95% per annum for the first three years, then switch to a floating “range accrual” coupon linked to the 10-year constant maturity U.S. Treasury rate.

After year three, interest on each payment date depends on how many days in the prior period the 10-year CMT rate stays between 0.00% and 4.50%; if it is never in this range, the coupon for that period is 0%. The notes are callable at par on any interest payment date on or after February 20, 2029, are not listed on any exchange, are intended to qualify as TLAC-eligible debt, and may be assumed by a Citigroup subsidiary with Citigroup guaranteeing payments. The notes are expected to be treated as contingent payment debt instruments for U.S. federal income tax purposes.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., fully guaranteed by Citigroup Inc., is offering unsecured senior Buffered Digital Notes linked to the MSCI EAFE® Index. The notes pay no interest and do not guarantee return of principal.

At maturity, if the index’s final level is at least 87.50% of its initial level, investors receive a fixed “threshold settlement amount” expected to be between $1,107.50 and $1,126.40 per $1,000, a contingent return of 10.75%–12.64%. If the index falls by more than the 12.50% threshold, principal is reduced by about 1.1429% for every 1% further decline, and investors can lose their entire investment.

The notes will not be listed on any exchange and may have limited or no secondary market. All payments depend on the credit of Citigroup Global Markets Holdings Inc. and Citigroup Inc. The estimated value on the trade date will be lower than the issue price due to structuring, hedging costs and the issuer’s internal funding rate.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering autocallable buffered equity-linked securities tied to Adobe Inc. The notes have a stated principal of $1,000 per security, a final valuation date of February 28, 2028 and mature March 2, 2028 unless called earlier.

Investors receive a monthly coupon of 0.775% of principal, equivalent to 9.30% per year, while the notes remain outstanding. The securities may be automatically redeemed on specified dates starting August 28, 2026 if Adobe’s closing value is at or above its initial level, paying $1,000 plus the coupon.

At maturity, if not called and Adobe has not fallen more than 20% from its initial level, investors receive $1,000 plus the final coupon. If Adobe has declined by more than 20%, the payoff is reduced: for every 1% drop beyond the 20% buffer, investors lose 1% of principal, though they still receive the final coupon. The notes are unsecured, not listed on an exchange, and involve complex market and tax risks. The issue price is $1,000 per security, with an underwriting fee of up to $12 and expected estimated value of at least $940 based on internal models.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing $1,000-denomination autocallable securities linked to Insmed Incorporated shares, maturing February 15, 2029, with a total offering size of $455,000.00.

The notes can be automatically redeemed on scheduled valuation dates in 2027 and 2028 if Insmed’s share price is at or above defined premium thresholds, paying back $1,000 plus a premium of 20% or 40%. If held to maturity, investors receive $1,000 plus a 60% premium if the final share price is at least 80% of the initial value, par if it is between 65% and 80%, and Insmed shares (or cash equivalent) if it falls below 65%, exposing them to substantial loss of principal.

The initial underlying value is $148.43, with a final premium threshold of $118.744 and barrier of $96.480, and an equity ratio of 6.73718 shares per security. The securities will not be listed, have an estimated value of $926.90 per $1,000 at pricing, and include underwriting fees of up to $21.00 per security plus additional dealer concessions, alongside complex risk and tax considerations.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering $1,000-denomination Autocallable Contingent Coupon Equity Linked Securities tied to Tesla, Inc., maturing on February 14, 2029. The notes pay a quarterly contingent coupon of 3.0625% of principal (equivalent to 12.25% per annum) only if Tesla’s closing price on the relevant valuation date is at or above a coupon barrier.

The initial Tesla value is $417.07, with both the coupon barrier and final barrier set at $250.242 (60% of the initial value). If on any autocall date Tesla closes at or above the initial value, the notes are automatically redeemed at $1,000 plus due coupons. If held to maturity and Tesla is below the final barrier, repayment of principal is reduced one-for-one with Tesla’s decline, potentially to $0. The securities are not exchange-listed, carry issuer and guarantor credit risk, have complex and uncertain tax treatment, and their estimated value at pricing ($942) is below the $1,000 issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering $1,000 Dual Directional Buffer Securities linked to the S&P 500® Index, maturing on March 16, 2027. The pricing date is February 11, 2026 and the valuation date is March 11, 2027.

If the index ends at or above its initial level of 6,941.47, investors receive $1,000 plus 100% of the index gain, capped at a maximum upside return of $70 per security (7%). If the index falls but stays at or above 82.85% of the initial level (the final buffer value of 5,751.0079), investors receive $1,000 plus the absolute value of the index loss, providing positive return on moderate declines.

If the index closes below the final buffer value, maturity payment is $1,000 plus $1,000 times (index return + 17.15%), so losses match index declines beyond the 17.15% buffer. The notes pay no dividends, are not listed on any exchange, and carry issuer and guarantor credit risk. The issue price is $1,000, with an estimated value of $989.20 and an underwriting fee of up to $4.40 per security, leaving $995.60 in proceeds to the issuer. The tax treatment is uncertain, with counsel viewing them as prepaid forward contracts but noting possible adverse alternative characterizations.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured autocallable securities linked to the S&P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER. Each note has a $1,000 stated principal amount, total offering size of $4,462,000, and matures in 2036 unless called early.

The notes pay no interest and do not guarantee principal. On scheduled valuation dates, if the index closing value is at or above the initial level of 487.0697, the notes are automatically redeemed for $1,000 plus a growing premium, reaching 215% of principal on the final valuation date.

If the notes are not called and the final index value is at or above the 60% barrier of 292.242, investors receive $1,000 plus the final premium. If the final value is below the barrier, repayment equals $1,000 plus the index return, producing 1‑for‑1 downside and potential total loss of principal.

The underlying index is complex and “highly risky,” using volatility targeting with leverage up to 500% and a fixed 6% per annum decrement, and is expected to underperform the S&P 500 Index. The notes are not listed, may have limited or no liquidity, and all payments depend on the credit of Citigroup Global Markets Holdings Inc. and Citigroup Inc. The estimated value at pricing is $883.20 per $1,000 note, below the issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured callable contingent coupon equity-linked notes tied to the worst performer of the Dow Jones Industrial Average, Russell 2000® Index and S&P 500® Index, maturing on February 21, 2031.

The securities pay a contingent coupon of at least 0.7917% per period (about 9.50% per annum) only if, on each valuation date, the worst-performing index is at or above 70% of its initial level. At maturity, if not called and the worst performer is below 60% of its initial level, investors lose principal in full proportion to the index loss and could lose their entire investment.

The issuer may redeem the notes early at par plus any due coupon on specified dates, capping future income if called. The notes will not be listed, are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc., and have an estimated value on the pricing date of at least $930.50 per $1,000 issue price, reflecting structuring and hedging costs.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured callable contingent coupon equity-linked securities due February 23, 2029, with a stated principal amount of $1,000 per security. The notes are linked to the worst performing of the Nasdaq-100 Index®, the Russell 2000® Index and the S&P 500® Index.

Investors may receive contingent coupons of at least 0.825% per period (equivalent to at least 9.90% per annum) on scheduled dates, but only if the worst performing index on the relevant valuation date is at or above 70% of its initial value. If the worst performer ever finishes below 55% of its initial value at final valuation, repayment of principal is reduced one-for-one with the index loss and can fall to zero.

Citigroup may redeem the notes early on specified dates, paying $1,000 per security plus any due coupon, which can cut off future high-income periods. The notes are not listed, are subject to the credit risk of both issuers, and have an estimated value on the pricing date expected to be at least $933 per $1,000, below the issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing long-dated autocallable securities linked to the highly complex S&P 500 Futures 35% Edge Volatility 6% Decrement Index (USD) ER, maturing on February 22, 2036.

Each $1,000 security pays no interest and can be automatically redeemed on scheduled valuation dates if the index closes at or above its initial level, returning $1,000 plus a fixed premium that steps up over time, capped at 235% of principal on the final valuation date. If held to maturity without auto‑call, investors receive principal plus the final premium if the index is at or above its initial level, only principal if it is between the initial level and the 50% barrier, and a loss matching the index’s decline if the final level is below the barrier.

The underlying index embeds up to 500% leveraged exposure to S&P 500 futures, an implicit financing cost and a 6% annual decrement, which can cause it to underperform the S&P 500 Index and magnify losses. The notes are unsecured, subject to Citigroup credit risk, not listed, and the initial estimated value of $886.30 per $1,000 is below the issue price due to selling, structuring and hedging costs.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured Autocallable Contingent Coupon Equity Linked Securities tied to the worst performer of the Dow Jones Industrial Average, Russell 2000® Index and S&P 500® Index, maturing in February 2029.

Each security has a $1,000 stated principal and pays a contingent coupon of at least 2.1125% per quarter (about 8.45% per year) only if, on the relevant valuation date, the worst-performing index is at or above 70% of its initial level.

The notes are automatically called from February 22, 2027 onward if the worst-performing index is at or above its initial level, returning $1,000 plus that period’s coupon. If held to maturity and the worst-performing index finishes below 65% of its initial level, principal is reduced one‑for‑one with the loss and can fall to zero, with no coupon.

The securities are unsecured, unsubordinated obligations subject to the credit risk of both issuers, will not be listed on any exchange, may have limited liquidity, and have an estimated initial value of at least $930.50 per $1,000, below the issue price due to fees, hedging costs and internal funding rates.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured autocallable contingent coupon equity-linked securities tied to the worst performer of Alphabet Inc. and Meta Platforms, Inc., each in $1,000 denominations and maturing on February 14, 2029, unless called earlier.

The notes pay a 2.725% quarterly contingent coupon (10.90% per annum) only if, on each valuation date, the worst-performing stock is at or above 60% of its initial value; otherwise no coupon is paid. Beginning August 12, 2026, the notes are automatically redeemed at $1,000 plus coupon if on a potential autocall date the worst performer is at or above its initial value.

If the notes are not called and on the final valuation date the worst performer is below 60% of its initial value, repayment of principal is reduced one-for-one with the stock’s decline, down to a total loss of the $1,000 principal. Investors forgo dividends, face limited or no liquidity, and bear full credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing callable contingent coupon equity-linked securities tied to the worst performer of the Nasdaq‑100, Russell 2000 and S&P 500, maturing on February 8, 2029. Each $1,000 security offers a quarterly contingent coupon of 0.9375% (11.25% per year) only if, on the relevant valuation date, the worst-performing index is at or above 70% of its initial level. At maturity, if the worst-performing index is at or above 70% of its initial level, investors receive $1,000 plus any final coupon; otherwise, repayment is reduced one‑for‑one with the index loss and can fall to zero. Citigroup may redeem the notes early on specified dates at $1,000 plus any due coupon. The issue size is $850,000, the underwriting fee is $6 per security, and the estimated value is $992.40, below the $1,000 issue price. The securities are unsecured, not listed, subject to Citigroup credit risk and involve substantial market, liquidity and tax risks.

Rhea-AI Summary

Citigroup Inc. is offering senior unsecured callable fixed-rate notes maturing on February 17, 2038. Each note has a stated principal of $1,000 and pays a fixed interest rate of 5.00% per year, with interest paid semi-annually on February 17 and August 17, starting August 17, 2026, calculated on a 30/360 day-count basis.

Beginning February 17, 2028, Citigroup may redeem the notes in whole on specified quarterly redemption dates at 100% of principal plus accrued interest, limiting how long investors receive the 5.00% coupon. The notes are intended to qualify as TLAC-eligible debt, meaning in a Citigroup bankruptcy, losses would be imposed on shareholders and unsecured creditors, including these noteholders, and recoveries could be limited. A wholly owned subsidiary may assume the obligations under the notes, with Citigroup providing a full guarantee, which could expose investors to a potentially less creditworthy issuer. The notes will not be listed on any exchange, CGMI acts as underwriter and hedging counterparty, earns an underwriting fee of up to $17 per note, and may benefit from hedging even if the note value declines. The notes are treated as fixed-rate debt for U.S. tax purposes, but a future assumption by a subsidiary could raise complex tax issues.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing $1,000 autocallable securities linked to the iShares Bitcoin Trust ETF (IBIT), maturing in February 2028. Investors receive no coupons and face full downside risk to the ETF.

The notes can be automatically redeemed in February 2027 if IBIT’s closing value is at or above the initial $38.29 level, paying $1,367.50 per security (a 36.75% premium). If held to maturity, investors get 150% of any ETF gain, par if the ETF finishes between 70% and 100% of the initial value, and 1‑for‑1 losses below the 70% trigger ($26.803).

The securities are not listed, have an issuer special early redemption right at a model‑based fair value that may be significantly below par, and carry complex bitcoin/ETF, market, liquidity and credit risks. Issue price is $1,000 with an estimated value of $974.50 and an underwriting fee of up to $7.50 per security.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering unsecured medium-term senior notes linked to the S&P 500® Equal Weight Index, fully and unconditionally guaranteed by Citigroup Inc. Each security has a stated principal amount of $1,000 and matures on April 16, 2027.

At maturity, holders receive $1,000 plus 200% of any positive index return, capped at an additional $130 per security (a maximum total return of 13%). If the index declines, repayment is reduced 1-for-1 with the index performance, exposing investors to significant loss of principal. The securities pay no dividends, will not be listed on an exchange, and have an estimated initial value of at least $918 per security, below the issue price, reflecting structuring and hedging costs.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering autocallable contingent coupon equity-linked senior notes tied to the worst performer among the Nasdaq-100 Index, Oracle Corporation and the Russell 2000 Index, maturing in February 2030.

Each $1,000 note pays a contingent coupon of at least 1.1083% per period (about 13.30% per year) only when the worst-performing underlying stays at or above 50% of its initial level. Missed coupons can be paid later if the barrier is met again. Notes may be automatically redeemed on many scheduled dates once all underlyings “knock in,” returning $1,000 plus due coupons but capping upside. If held to maturity and conditions are not met, investors may receive significantly less than principal, or nothing, based on the worst underlying’s loss. The estimated value on the pricing date is expected to be at least $877.50 per note, below the $1,000 issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering $750,000 of unsecured, NVIDIA Corporation–linked notes at $1,000 per security, fully and unconditionally guaranteed by Citigroup Inc. These structured securities pay a contingent coupon of 18.45% per annum, but only if NVIDIA’s closing value on each quarterly calculation day stays at or above the coupon threshold of $133.035, which is 70% of the $190.05 starting value.

If, on any potential autocall date from August 2026 through May 2027, NVIDIA’s closing value is at or above the starting value, the notes are automatically redeemed for $1,000 plus the applicable coupon. If the notes are not called and NVIDIA closes below the 70% downside threshold on the final calculation day in August 2027, principal is reduced in line with the stock’s decline, up to a total loss of the $1,000 stated principal, and no final coupon is paid.

The notes are not bank deposits, are not FDIC insured, and expose holders to the credit risk of both Citigroup Global Markets Holdings Inc. and Citigroup Inc. The public offering price is $1,000 per note, while the estimated value on the pricing date is $965.10, reflecting selling, structuring and hedging costs and the use of Citigroup’s internal funding rate.

Rhea-AI Summary

Citigroup Inc. is issuing callable fixed rate notes due February 18, 2031, in $1,000 denominations, paying 4.30% interest per year with semi-annual payments each February 18 and August 18. Holders receive $1,000 per note at maturity plus any accrued interest, unless the notes are redeemed earlier.

Beginning February 18, 2027, Citigroup may redeem the notes in whole at 100% of principal plus accrued interest on quarterly redemption dates (February 18, May 18, August 18, November 18). The notes are intended to qualify as TLAC-eligible debt, so in a Citigroup bankruptcy losses would be imposed on noteholders after shareholders and other unsecured creditors.

A wholly owned Citigroup subsidiary may assume the obligations under the notes, with Citigroup guaranteeing payments, which may shift credit risk to a potentially less asset-rich entity. The notes will not be listed on any exchange. Citigroup Global Markets Inc., acting as underwriter and affiliate, earns up to $10 per note in underwriting fees and may hedge its exposure, which can influence secondary market pricing. Initial secondary prices from CGMI may include a temporary upward adjustment that amortizes to zero over about four months.

Rhea-AI Summary

Citigroup Inc. is offering callable fixed rate notes due February 17, 2033 with a stated principal amount of $1,000 per note. The notes pay 4.60% fixed annual interest, with semi-annual payments each February 17 and August 17, starting August 17, 2026, using a 30/360 day count.

Beginning August 17, 2027, Citigroup may redeem the notes in whole on specified quarterly redemption dates at 100% of principal plus accrued interest. The notes are not listed on any securities exchange and may be affected by a temporary four‑month upward pricing adjustment in secondary indications.

The notes are intended to qualify as TLAC-eligible, meaning in a Citigroup bankruptcy losses would be imposed on shareholders and then unsecured creditors, including noteholders. Citigroup may also have a wholly owned subsidiary assume the obligations, with Citigroup guaranteeing payments, which changes default and covenant protections. The notes are treated as fixed rate debt without original issue discount for U.S. federal income tax purposes, though a future assumption could have tax consequences depending on IRS treatment.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering $1,000 medium-term senior notes linked to the worst performer of the Nasdaq‑100, Russell 2000 and S&P 500, maturing in February 2029.

The notes pay a contingent coupon of at least 2.6875% per quarter (at least 10.75% per year) only if, on each valuation date, the worst-performing index is at or above 75% of its initial level. The notes can be called early on specified dates if the worst index is at or above its initial level, returning $1,000 plus the coupon.

If the notes are not called and the worst index finishes below 75% of its initial level at maturity, repayment is reduced in line with that index’s loss, down to a possible zero return of principal. The securities are unsecured, not listed, subject to the credit risk of Citigroup entities, and have an estimated initial value below the $1,000 issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured Callable Contingent Coupon Equity Linked Securities tied to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indices, with a $1,000 stated principal amount per security and maturity on August 25, 2027.

The notes may pay a contingent coupon of at least 0.7083% per month (about at least 8.50% per year) if, on each valuation date, the worst-performing index is at or above 70% of its initial level. If it is below that barrier, no coupon is paid for that period.

At maturity, if not called and the worst-performing index is at or above 70% of its initial level, investors receive $1,000 per security plus any final coupon. If it is below 70%, repayment is reduced one-for-one with the index decline, potentially down to zero, meaning substantial loss of principal is possible.

The issuer can redeem the notes early on specified dates at $1,000 plus any due coupon, limiting the time investors can earn coupons when conditions are favorable. The securities will not be listed, may have limited liquidity, and all payments depend on the credit of Citigroup Global Markets Holdings Inc. and Citigroup Inc.

The issue price is $1,000, including an underwriting fee of up to $22.25, while the estimated value on the pricing date is expected to be at least $915.50 per security based on Citigroup Global Markets Inc.’s proprietary models and the issuer’s internal funding rate.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured autocallable securities linked to the worst performer of the Nasdaq-100 Index and the S&P 500 Index, in $1,000 denominations, maturing February 15, 2029, with no interest payments and full issuer and guarantor credit risk.

The notes may auto-redeem on scheduled valuation dates if the worst performing index is at or above its initial value, paying $1,000 plus a fixed premium that steps from 4.625% in August 2026 up to 27.75% on the final valuation date. If held to maturity and not auto-redeemed, investors receive $1,000 plus the final premium if the worst index is at or above its initial value, $1,000 if it is between 70% and 100% of initial, or a loss matching the index’s decline if it falls below the 70% barrier. The issue price is $1,000 with an estimated value of $967.80 and an underwriting fee of up to $29.50 per note; the securities are not exchange-listed and pay no dividends.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing unsecured callable equity-linked securities tied to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indexes.

The notes pay a contingent coupon of 0.9333% per month (about 11.20% per year) only when the worst-performing index on each valuation date stays at or above 70% of its initial level. If any index falls below that barrier on a valuation date, no coupon is paid for that period.

At maturity, if not called and the worst-performing index is at or above 70% of its initial level, investors receive the $1,000 principal per note plus any final coupon. If it is below 70%, principal is reduced one-for-one with the index loss and can drop to zero. The securities are not exchange-listed, expose holders to Citigroup credit risk, and have an estimated value of $983.70 per $1,000 issue price, reflecting embedded costs and dealer margins.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., fully guaranteed by Citigroup Inc., is offering unsecured autocallable contingent coupon equity-linked securities tied to the worst performer of the Dow Jones Industrial Average, the Russell 2000® Index and the S&P 500® Index, maturing in February 2031.

The notes pay a contingent quarterly coupon of at least 0.8125% (at least 9.75% per annum) only if, on each valuation date, the worst-performing index is at or above 70% of its initial level. Principal repayment at maturity is protected only if that worst index is at or above the same 70% barrier; otherwise repayment is reduced one-for-one with its loss and can fall to zero.

The securities can be automatically called from August 2026 onward if the worst index is at or above its initial level, in which case investors receive $1,000 plus the coupon and no further payments. They will not be listed, may have limited liquidity, and all payments depend on the credit of Citigroup Global Markets Holdings Inc. and Citigroup Inc. The estimated value on the pricing date is expected to be at least $934 per $1,000 issue price, reflecting structuring and hedging costs.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing unsecured structured notes linked to the worst performer of the Nasdaq‑100, Russell 2000 and S&P 500 indices, maturing February 15, 2029.

The securities pay a contingent quarterly coupon of 0.8958% of the $1,000 principal (about 10.75% per year) only if, on each valuation date, the worst performing index is at or above 75% of its initial value. Principal is protected only if, at final valuation, the worst index is at or above 60% of its initial level; otherwise, repayment is reduced one‑for‑one with the index loss and can fall to zero.

Citigroup may call the notes on specified dates, returning $1,000 plus any due coupon, which can cap the income stream. The notes are not exchange‑listed, carry full credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc., and have an estimated value of $980.90 per $1,000 at pricing versus a $4,008,000 total issue size.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing unsecured callable contingent coupon equity linked securities tied to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500.

The notes pay a contingent coupon of 0.8417% per month (about 10.10% per year) only if, on each valuation date, the worst-performing index is at or above 70% of its initial level. At maturity in 2029, if the securities have not been called and the worst-performing index is at or above 60% of its initial level, investors receive the $1,000 principal per note; if it is below 60%, repayment is reduced one-for-one with the index loss, potentially to zero.

The issuer may redeem the notes early on specified dates at $1,000 plus any due coupon. The securities are not listed, are subject to the credit risk of Citigroup entities, and have an estimated value of $982.20 per $1,000 at pricing, below issue price due to fees, funding and hedging costs.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering $1,000-denomination autocallable securities linked to the worst performer of the Nasdaq-100 Index, Russell 2000 Index and State Street Utilities Select Sector SPDR ETF, maturing on February 15, 2029.

The notes pay no interest and can be automatically redeemed on scheduled valuation dates starting February 12, 2027 if the worst performing underlying is at or above its initial value, returning $1,000 plus a fixed premium that steps up from 17.00% to 51.00% of principal over time.

If not called, at maturity investors receive $1,000 plus the 51.00% premium if the worst underlying is at or above its initial value, $1,000 if it is between 70% and 100% of its initial value, and a loss matching the full negative performance if it finishes below 70%, up to total loss of principal.

The securities are unsecured, subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc., will not be listed, offer limited or no liquidity, provide no dividends or index upside participation, and have an estimated value of $959.30 per $1,000 issue price on the pricing date.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering callable contingent coupon equity-linked securities tied to the worst performer of the Dow Jones Industrial Average, Nasdaq‑100 Index® and Russell 2000® Index, maturing on February 16, 2028.

Each $1,000 security pays a quarterly contingent coupon of 0.6917% (about 8.30% per year) only if, on the relevant valuation date, the worst performing index is at or above 70% of its initial value. Missed barriers mean no coupon for that period.

If not called and at maturity the worst index is at or above 70% of its initial value, investors receive $1,000 plus any final coupon. If it is below 70%, repayment is reduced in line with the index loss and can fall to zero. The notes are unsecured, subject to Citigroup credit risk, not listed, and have an initial estimated value of $960.60 per $1,000 versus a $1,000 issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing unsecured callable contingent coupon equity-linked securities tied to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indices, maturing January 14, 2028, in $1,000 denominations with a total offering of $2,759,000.00.

The notes can pay a contingent coupon of 0.8917% per month (about 10.70% per year) if, on each valuation date, the worst-performing index is at or above 70% of its initial level. If it is below that barrier, no coupon is paid for that period.

At maturity, if the securities have not been called and the worst-performing index remains at or above 67% of its initial level, investors receive $1,000 per note (plus any final coupon). If it finishes below 67%, principal is reduced one-for-one with the index loss, potentially to zero.

The issuer may redeem the notes early on specified dates at $1,000 plus any due coupon. The securities are not listed, may have limited liquidity, are subject to Citigroup Global Markets Holdings Inc. and Citigroup Inc. credit risk, and have an estimated value of $985.80 per $1,000 at pricing, below the issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured autocallable securities maturing in February 2029, each with a $1,000 stated principal amount. Returns depend on the worst performing of three underlyings: the Nasdaq-100 Index, the Russell 2000 Index and the State Street Energy Select Sector SPDR ETF.

The notes pay no interest and offer periodic automatic early redemption if, on a valuation date before maturity, the worst performing underlying is at or above its initial level. In that case, investors receive $1,000 plus a fixed premium that starts at 20.55% in February 2027 and steps up to 61.65% by the final February 2029 valuation date.

If the notes are not called, maturity payment depends on the final worst performer. Investors receive $1,000 plus the final premium if its final value is at or above its initial value, $1,000 if it is below its initial value but at or above 70% of that level, and a loss matching its decline if it finishes below 70%, potentially down to zero.

The securities are not listed, have limited or no liquidity, and carry full credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. The total offering is $405,000, with an estimated value of $962.20 per $1,000 note on the pricing date, reflecting embedded selling, structuring and hedging costs.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured callable contingent coupon equity-linked securities tied to the worst performing of the Russell 2000® Index and the S&P 500® Index, maturing on June 2, 2027.

Each $1,000 security may pay a contingent coupon of at least 0.88% per period (at least 10.56% per annum) if, on the relevant valuation date, the worst performing index is at or above 75% of its initial level. If it is below that barrier, no coupon is paid for that period.

At maturity, if not previously called and the worst index is at or above 75% of its initial level, investors receive $1,000 per security plus any final coupon. If it is below 75%, repayment is reduced one-for-one with the index loss, down to possible total loss of principal.

The issuer may redeem the notes early on specified dates at $1,000 per security plus any due coupon. The securities will not be listed on any exchange, are subject to the credit risk of both issuing entities, include complex tax treatment, and expose investors to small-cap and large-cap U.S. equity index risks.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering market-linked, auto-callable securities tied to the iShares Silver Trust with a stated principal of $1,000 per security and a total public offering price of $830,000.

The securities were priced on February 10, 2026, issued on February 13, 2026, carry a 150% participation rate, a call premium of 46.25%, a starting value of $73.41, and an 80% threshold value of $58.728. The first call (a calculation day) is February 16, 2027 with maturity on February 15, 2029.

Payments depend on the underlying closing values on specified calculation days: if automatically called you receive principal plus the fixed call premium; if not called, maturity payments provide leveraged upside (at the participation rate) above the starting value but expose holders 1-for-1 to declines below the threshold, including potential loss of principal.

Rhea-AI Summary

Citigroup Inc. is offering unsecured Callable Fixed Rate Notes due February 13, 2029, with a stated principal amount of $1,000 per note and a fixed annual interest rate of 4.00%. Interest is paid semi-annually each February 13 and August 13 on a 30/360 day-count basis.

Beginning February 13, 2027, Citigroup may redeem the notes in whole on specified quarterly redemption dates at 100% of principal plus accrued interest. The notes are intended to qualify as total loss-absorbing capacity, so in a Citigroup bankruptcy, holders rank behind Citigroup’s shareholders but share losses with other unsecured creditors.

Any wholly owned subsidiary may assume the obligations as a successor issuer, with Citigroup guaranteeing payments, which can change default and covenant protections. The notes will not be listed on any exchange. CGMI acts as underwriter and receives an underwriting fee of up to $6.00 per note.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering buffer securities linked to the S&P 500® Index with a $1,000 stated principal amount per security. The securities have an issue date of March 4, 2026, a valuation date of March 1, 2027 and a maturity date of March 4, 2027. The securities provide 100.00% upside participation up to a maximum return at maturity (at least $88.00, or 8.80%) and a 20.00% buffer against losses; losses beyond the buffer result in a 1:1 loss of principal for each percentage point below the buffer. The estimated value on the pricing date is expected to be at least $940.00 per security; the issue price will include underwriting, hedging and other costs. All payments are subject to the credit risk of the issuer and guarantor, Citigroup Inc.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering autocal­lable contingent coupon equity‑linked securities guaranteed by Citigroup Inc. Each $1,000 security, priced at $1,000 on a February 10, 2026 pricing date and issued on February 13, 2026, matures on February 16, 2027.

The securities pay a contingent coupon of 2.80% per valuation (equivalent to 11.20% annualized) only if the worst performing underlying (the Russell 2000® or the S&P 500®) on a valuation date is at or above its coupon barrier (70% of initial value). Valuation dates occur on May 11, 2026, August 10, 2026, November 10, 2026 and February 10, 2027.

The notes feature potential automatic early redemption if the worst performing underlying is at or above its initial value on a potential autocall date. A knock‑in at 70% during the observation period exposes holders to full downside at maturity; principal can be partially or fully lost. The estimated value on the pricing date was $986.70 per security.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering callable Contingent Coupon Equity Linked Securities linked to the worst performing of the Nasdaq-100, Russell 2000 and S&P 500, maturing February 15, 2029. Each security has a $1,000 stated principal amount and pays a contingent coupon of 2.20% per valuation period (equivalent to 8.80% per annum) only if the worst performing underlying on the preceding valuation date is at or above its coupon barrier (60% of the initial value).

If not called, payment at maturity depends on the worst performing underlying on the final valuation date: you receive $1,000 if that underlying is at or above its final barrier (60% of initial value); if below, maturity payment equals $1,000 × (1 + underlying return), which can result in a substantial loss, possibly to zero. The issuer may call the securities on specified dates; all payments are unsecured and guaranteed by Citigroup Inc., and the estimated value at pricing was $981.20 versus the issue price of $1,000.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering contingent income auto-callable medium-term senior notes due February 25, 2028 (expected), linked to the worst performing shares of Amazon.com, Inc., Alphabet Inc. and Microsoft Corporation. Each security has a $1,000 stated principal amount and an issue price of $1,000 per security.

Holders may receive a quarterly contingent coupon of $25.00 (2.50%) if the worst performing underlying share on a valuation date is at or above its downside threshold (50.00% of its initial share price). The securities are subject to automatic early redemption if the worst performing share equals or exceeds its initial share price on a potential redemption date. At maturity, if not redeemed, payment depends on the final performance of the worst performing underlying share and may result in significant principal loss, including loss of the entire principal.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured autocallable contingent coupon equity-linked securities due February 20, 2029. Each $1,000 note can pay a 1.90% quarterly contingent coupon (7.60% per annum) if the worst of the Nasdaq-100, Russell 2000, and S&P 500 indexes stays at or above 70% of its initial level on each valuation date.

If the notes are not called and the worst-performing index is at least 60% of its initial level at maturity, investors receive $1,000 back; if it is below 60%, repayment is reduced one-for-one with the index loss, potentially to zero. The notes can be automatically called from August 12, 2026 onward when the worst index is at or above its initial level, paying $1,000 plus the coupon. They will not be listed on an exchange, all payments are subject to Citigroup credit risk, and the expected estimated value on the pricing date is at least $915.50 per $1,000 note, below the issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. priced callable contingent coupon equity-linked securities, guaranteed by Citigroup Inc., with a $1,000 stated principal per security. The pricing date is February 20, 2026, issue date February 25, 2026 and maturity February 25, 2028. The securities reference the worst performing of the Nasdaq-100®, Russell 2000® and S&P 500® indices and pay contingent coupons of at least 0.9333% per valuation period (approximately 11.20% annualized if all paid), subject to the worst performing underlying being at or above a coupon barrier equal to 70.00% of its initial value on each valuation date.

The issuer may call the securities on specified potential redemption dates with at least three business days’ notice; a call results in cash redemption of $1,000 plus any related contingent coupon. If not called and the final underlying value of the worst performing index is below the final barrier (70.00% of initial), payment at maturity is $1,000 × (1 + underlying return), which can result in a loss of principal down to zero. All payments are subject to the credit risk of CGMI and Citigroup Inc.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is issuing principal-at-risk securities linked to the 2‑year SONIA ICE swap rate (SONIA CMS2), maturing on May 13, 2026. Each security has a stated principal amount of £1,000 and an issue price of 100%.

At maturity you receive a payment in sterling based on the SONIA CMS2 rate on the valuation date versus a strike of 3.465%, with a maximum payment of £1,196.157703 and a minimum of £196.157703. If the rate is below the strike, payouts decrease linearly with a strike width of 0.50%, exposing investors to potentially large losses.

The total offering size is £12,365,000. The securities are unsecured senior debt of Citigroup Global Markets Holdings Inc., fully and unconditionally guaranteed by Citigroup Inc., will not be listed on any exchange, and have an estimated value at pricing of £993.84 per £1,000, reflecting structuring and hedging costs. CGMI acts as underwriter with no stated underwriting fee but may profit from related hedging activities.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering $12,000,000 of Autocallable Phoenix Securities linked to Alphabet Inc. Class A shares. Each note has a $1,000 principal amount and matures on February 12, 2027, unless redeemed earlier.

Investors receive a contingent coupon of 1.2917% per month only when Alphabet’s share price on the relevant valuation date is at or above the coupon barrier of $258.288, which is 80% of the $322.86 initial share price. Missed coupons can be paid later if the barrier is subsequently met.

If on any interim valuation date Alphabet closes at or above the initial share price, the notes are automatically called at $1,000 plus the applicable coupon. If held to maturity and the final share price is at or above the 80% barrier, investors receive $1,000 plus any due coupon; if it is below, principal is reduced according to a formula with a 20% buffer, and losses can reach 100%.

The notes will not be listed on an exchange. The issue price is $1,000 per note, with $1.00 underwriting fee, and an estimated value of $999.90 based on Citi’s internal models.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc. is offering $1,500,000 of autocallable contingent coupon equity linked securities tied to Advanced Micro Devices, Inc. (AMD), fully and unconditionally guaranteed by Citigroup Inc. Each security has a $1,000 principal amount and matures on February 14, 2028, unless called earlier.

The notes pay a 15.25% annualized contingent coupon (3.8125% per quarter) only if AMD’s closing value on the relevant valuation date is at or above the $108.00 coupon barrier, set at 50% of the $216.00 initial value. Missed coupons can be paid later if the barrier is met, but may be lost entirely.

The securities are autocallable on specified dates starting August 10, 2026 if AMD closes at or above the initial value, returning $1,000 plus the due coupon. If not called and AMD ends below the $108.00 final barrier, investors lose 1% of principal for each 1% AMD has fallen, potentially losing their entire investment.

The notes are unsecured and subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc., are not listed on any exchange, and may have limited or no liquidity. The issue price is $1,000 per security, with an estimated value of $969.80, reflecting structuring and hedging costs and an internal funding rate.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured Barrier Digital Plus Securities linked to the worst performer of the Nasdaq‑100, Russell 2000 and S&P 500 indices, maturing on February 14, 2030, with a $1,000 stated principal amount per security.

If the worst performing index finishes at or above its initial value, investors receive $1,000 plus the greater of a fixed $485 digital return (48.5%) or 1‑to‑1 participation in index gains. If it finishes below its initial value but at or above 70% of that level, principal is repaid at par. If it ends below 70% of its initial value, repayment is reduced 1% for each 1% decline, down to possible total loss.

The note pays no interest, forgoes all dividends on the indices, is subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc., and will not be listed on any exchange. The total offering size is $733,000, and the estimated value on the pricing date is $969.10 per security, below the $1,000 issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured, callable contingent coupon equity-linked securities tied to the worst performer among the Nasdaq-100®, Russell 2000® and S&P 500® indices, maturing on August 24, 2027. The notes may pay quarterly contingent coupons at an annualized rate of at least 11.50% if, on each valuation date, the worst-performing index is at or above 70% of its initial level. If the notes are not called and the worst-performing index ends below 70% of its initial level at final valuation, principal is reduced one-for-one with the index loss, up to a total loss. The securities are not listed, carry full issuer and guarantor credit risk, and have an estimated initial value below the $1,000 issue price.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering unsecured autocallable securities linked to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indexes. Each security has a $1,000 stated principal amount and does not pay interest.

The notes can be automatically redeemed on scheduled valuation dates from February 2027 through February 2031 if the worst-performing index is at or above its initial level, paying $1,000 plus a premium that starts at 10% and rises to at least 50% by the final valuation date. If held to maturity without early redemption, investors receive: $1,000 plus the final premium if the worst index is at or above its initial level; $1,000 if it is below the initial level but at or above 70% of that level; or a loss matching the full percentage decline if it finishes below the 70% barrier, potentially losing the entire principal. The estimated value on the pricing date is expected to be at least $900 per security, below the $1,000 issue price, and the notes will not be listed on any exchange.

Rhea-AI Summary

Citigroup Global Markets Holdings Inc., guaranteed by Citigroup Inc., is offering callable contingent coupon equity linked securities tied to the worst performer of the Nasdaq‑100 Index® and the S&P 500® Index, maturing February 14, 2029, at a $1,000 stated principal amount per security.

The notes pay a 7.50% per annum contingent coupon (0.625% per period) only when the worst-performing index on the prior valuation date is at or above its coupon barrier (70% of its initial level). Principal is protected only if, at final valuation, the worst-performing index stays at or above its final barrier (60% of initial); otherwise repayment is reduced one-for-one with the index loss, down to zero. Citigroup may redeem the notes early on specified dates at $1,000 plus any due coupon, the securities are not exchange-listed, and all payments are subject to Citigroup Global Markets Holdings Inc. and Citigroup Inc. credit risk.