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CCitigroup

Financials · Banks · NYSE

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FY2025 at a glance

Sales up 5.6%, free cash flow down to -$74.2B

XBRL, from each 10-K

RevenueStatements ↓

$85.2B

from $80.7B in FY2024

FY2016FY2025

Net incomeStatements ↓

$14.3B

from $12.7B in FY2024

FY2016FY2025

Free cash flowStatements ↓

-$74.2B

from -$26.2B in FY2024

FY2016FY2025

EPS (diluted)Statements ↓

$6.99

from $5.94 in FY2024

FY2016FY2025

Total debtStatements ↓

$335.8B

from $316.2B in FY2024

FY2016FY2025

Price and key numbers

The latest figures

All key numbers (31, from the latest 10-K and 10-Q) From EDGAR

EPS (ttm)	6.99	Sales (ttm)	85.2B	Net income (ttm)	14.3B	Sales growth	+5.6%	EPS growth	+17.7%	Sales Q/Q	-
Free cash flow	-74.2B	Gross margin	-	Oper. margin	-	Net margin	16.8%	FCF margin	-87.0%	ROE	6.7%
ROA	0.5%	R&D / sales	-	Dividend	-	Debt/Eq	1.58	Curr. ratio	-	Cash	349.6B
Op. cash flow (ttm)	-67.6B	Net debt	-13.8B	Tax rate	27.1%	Shares out.	1.7B	Shares Y/Y	-3.5%	Book / share	121.36
Cash / share	199.84	Sales / share	48.72	Asset turnover	0.03	Sales 3Y CAGR	+4.2%	Sales 5Y CAGR	+2.5%	EPS 3Y CAGR	0.0%
EPS 5Y CAGR	+8.2%

Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.

C against Financials peers

Ten years, side by side → · All 76 →

CPeer median

Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How

Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth

+5.6%51st of 76 · median +7.2%

Net margin

16.8%48th of 76 · median 20.4%

Return on equity

6.7%68th of 74 · median 16.7%

Free cash flow margin

-87.0%49th of 49 · median 21.5%

Debt / equity (less is better)

1.5855th of 62 · median 0.70

C and the 5 peers closest in revenue
Company	Revenue (ttm)	Sales growth	Gross margin	Net margin	ROE	FCF margin	Debt / equity
C Citigroup	$85.2B	+5.6%	-	16.8%	6.7%	-87.0%	1.58
PGR Progressive Corporation	$91.7B	+16.3%	-	12.7%	33.7%	16.6%	0.24
WFC Wells Fargo	$87.2B	+1.7%	-	26.3%	13.1%	-	1.26
MET MetLife	$82.6B	+8.6%	-	6.2%	23.1%	-	0.66
MS Morgan Stanley	$80.2B	+14.4%	-	25.5%	17.5%	-	3.23
AXP American Express	$77.6B	+9.5%	-	15.8%	34.2%	17.9%	1.67

Profitability

0 of 3

!
Net margin below the peer median16.8% vs 20.4%
!
Return on equity below 15%6.7%
!
A profit in 9 of 10 years

Net margin, FY2016 to FY2025: 21.1% → 16.8%

Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.

Debt

$315.8B of principal due, schedule of Dec 31, 2025

Repayment schedule →

From the balance sheet in the latest 10-K or 10-Q (XBRL). When each part falls due, year by year, and the debt note's own lines are on the Debt tab.

Revenue and net income, FY2016 to FY2025

Revenue 85.2B Net income 14.3B

From XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →

Statements

Income statement, balance sheet and cash flow

XBRL, each 10-K and 10-Q

C's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.

Annual Quarterly

Revenue85.2B

Net income14.3B

Free cash flow-74.2B

EPS (diluted)6.99

Diluted shares1.9B

Revenue by business segment

year to Dec 31, 2025

	Revenue	Share	vs year before
Markets	22.0B	25.8%	+10.8%
Services	21.3B	24.9%	+8.3%
US Personal Banking	21.0B	24.6%	+4.6%
Wealth	8.6B	10.0%	+14.4%
Banking	8.2B	9.6%	+32.5%

10-K 0000831001-26-000011, segment and revenue notes (XBRL).

Revenue by region

year to Dec 31, 2025

	Revenue	Share	vs year before
North America	44.0B	51.6%	+10.7%
International	42.3B	49.6%	+4.9%
United Kingdom	7.6B	8.9%	+13.4%
Corporate/Other	-1.1B	-1.3%	-262%

10-K 0000831001-26-000011, segment and revenue notes (XBRL).

Income statement

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	70.8B	72.4B	72.9B	75.1B	75.5B	71.9B	75.3B	78.1B	80.7B	85.2B
Cost of revenue	-	7.5B	7.6B	8.4B	17.5B	-	-	-	-	-
Interest expense	12.5B	16.5B	24.3B	28.4B	13.3B	8.0B	25.7B	78.4B	88.0B	81.0B
Pretax income	21.5B	22.8B	23.4B	23.9B	13.6B	27.5B	18.8B	12.9B	17.0B	19.8B
Income tax	6.4B	29.4B	5.4B	4.4B	2.5B	5.5B	3.6B	3.5B	4.2B	5.4B
Net income	14.9B	-6.8B	18.0B	19.4B	11.0B	22.0B	14.8B	9.2B	12.7B	14.3B
EPS (diluted)	4.72	-2.98	6.68	8.04	4.72	10.14	7.00	4.04	5.94	6.99
Diluted shares	2.9B	2.7B	2.5B	2.3B	2.1B	2.0B	2.0B	2.0B	1.9B	1.9B
Depreciation & amortization	3.7B	3.7B	3.8B	3.9B	3.9B	4.0B	4.3B	4.6B	4.3B	4.4B
Net margin	21.1%	-9.4%	24.8%	25.8%	14.6%	30.5%	19.7%	11.8%	15.7%	16.8%
Revenue growth	-	+2.3%	+0.6%	+3.0%	+0.6%	-4.8%	+4.8%	+3.6%	+3.4%	+5.6%
EPS growth	-	-163%	-	+20.4%	-41.3%	+115%	-31.0%	-42.3%	+47.0%	+17.7%

Balance sheet

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash	160.5B	180.5B	188.1B	193.9B	309.6B	262.0B	342.0B	260.9B	276.5B	349.6B
Goodwill	21.7B	22.3B	22.0B	22.1B	22.2B	21.3B	19.7B	20.1B	19.3B	19.1B
Total assets	1.79T	1.84T	1.92T	1.95T	2.26T	2.29T	2.42T	2.41T	2.35T	2.66T
Total debt	216.2B	246.6B	245.2B	265.2B	289.7B	270.4B	297.1B	306.8B	316.2B	335.8B
Total liabilities	1.57T	1.64T	1.72T	1.76T	2.06T	2.09T	2.21T	2.21T	2.14T	2.44T
Shareholders' equity	225.1B	200.7B	196.2B	193.2B	199.4B	202.0B	201.2B	205.5B	208.6B	212.3B
Retained earnings	146.5B	138.4B	151.3B	165.4B	168.3B	184.9B	194.7B	198.9B	206.3B	215.1B

Cash flow

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating cash flow	53.7B	-8.8B	37.0B	-12.8B	-23.5B	47.1B	25.1B	-73.4B	-19.7B	-67.6B
Capital spending	2.8B	3.4B	3.8B	5.3B	3.4B	4.1B	5.6B	6.6B	6.5B	6.5B
Free cash flow	51.0B	-12.1B	33.2B	-18.2B	-26.9B	43.0B	19.4B	-80.0B	-26.2B	-74.2B
Dividends paid	2.3B	3.8B	5.0B	5.4B	5.4B	5.2B	5.0B	5.2B	5.2B	5.4B
Buybacks	9.3B	14.5B	14.4B	17.6B	2.9B	7.6B	3.2B	2.0B	2.5B	13.2B
Debt raised	63.8B	68.0B	60.7B	59.1B	76.5B	70.7B	104.7B	65.8B	99.1B	122.0B
Investing cash flow	-54.1B	-38.8B	-73.1B	-23.4B	-92.4B	-110.7B	-79.5B	-8.5B	86.2B	-108.3B
Financing cash flow	28.3B	66.9B	44.5B	42.9B	233.6B	17.3B	137.8B	687.0M	-38.3B	238.0B

Stock-based pay and leases

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating lease cost	-	-	-	1.1B	1.1B	872.0M	852.0M	842.0M	842.0M	817.0M
Operating lease cash paid	-	-	-	942.0M	814.0M	806.0M	725.0M	714.0M	729.0M	719.0M
Right-of-use assets	-	-	-	3.1B	2.8B	2.9B	2.9B	2.8B	2.8B	3.0B
Operating lease liabilities	-	-	3.3B	3.3B	3.1B	3.1B	3.1B	3.0B	3.0B	3.2B

From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.

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