Citigroup Inc (C)

Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

Symbol: C
Exchange: NYSE
Sector: Financial Services
Industry: Banks - Diversified
Market cap: $230.30B
52 week range: 93.66 - 147.96

Valuation

Share price: $127.00 (close of 2026-10-01)
P/E (TTM): 17.68x
Price to book: 1.08x
Price to free cash flow: -3.11x
Enterprise value: $248.43B
Book value per share: $116.72

Price performance

Period	Change
1 day	-1.92%
5 days	-3.86%
1 month	-4.18%
3 months	-9.37%
6 months	+10.15%
Year to date	+8.84%
1 year	+28.66%
3 years	+208.78%
5 years	+78.42%
10 years	+168.90%
All time	+682.02%

Members of Congress who disclosed C trades

Jonathan Jackson · Markwayne Mullin · Bruce Westerman · Julia Letlow · Maria Elvira Salazar · Adam Smith · Alan Armstrong · George Whitesides · Ritchie Torres · Shelley Moore Capito

Super investors holding C

Bill Nygren (Harris Associates LP) · Richard Pzena (Pzena Investment Management) · First Pacific Advisors (First Pacific Advisors, LP) · Samantha McLemore (Patient Capital Management, LLC) · Kahn Brothers (Kahn Brothers Group) · Harry Burn (Sound Shore Management)

Profitability and growth

Return on equity: 6.69%
Return on assets: 0.54%
Net margin: 16.79%
EBITDA margin: 125.70%
Revenue growth: 5.58%
Net income growth: 12.81%
Free cash flow growth: -183.36%

Cash flow and balance sheet

Free cash flow yield (TTM): -32.20%
Net debt to EBITDA: 0.17x

Latest reported year

Period end: 2025-12-31
Fiscal year: 2025
Revenue: $85.22B
EBITDA: $107.12B
Net income: $14.31B
Earnings per share: $7.11
Interest expense: $83.07B
Shares outstanding: 1.83B

Income statement by year

Period end	Revenue	Gross profit	Net income	EPS
2025-12-31	$85.22B	-	$14.31B	$7.11
2024-12-31	$80.72B	-	$12.68B	$6.03
2023-12-31	$78.07B	-	$9.23B	$4.07
2022-12-31	$75.34B	-	$14.85B	$7.04
2021-12-31	$71.88B	-	$21.95B	$10.21
2020-12-31	$75.50B	$58.01B	$11.05B	$4.74
2019-12-31	$75.07B	$66.68B	$19.40B	$8.08
2018-12-31	$72.85B	$65.29B	$18.05B	$6.69
2017-12-31	$72.44B	$64.99B	-$6.80B	$-2.98
2016-12-31	$70.80B	-	$14.91B	$4.72

Margins and returns by year

Period end	Gross margin	Net margin	Return on equity
2025-12-31	-	16.79%	6.69%
2024-12-31	-	15.71%	6.06%
2023-12-31	-	11.82%	4.47%
2022-12-31	-	19.70%	7.35%
2021-12-31	-	30.54%	10.83%
2020-12-31	76.83%	14.63%	5.52%
2019-12-31	88.83%	25.84%	10.00%
2018-12-31	89.61%	24.77%	9.16%
2017-12-31	89.71%	-9.38%	-3.37%
2016-12-31	-	21.06%	6.59%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$349.58B	$315.83B
2024-12-31	$276.53B	$287.30B
2023-12-31	$260.93B	$286.62B
2022-12-31	$342.02B	$271.61B
2021-12-31	$262.03B	$254.37B
2020-12-31	$309.62B	$271.69B
2019-12-31	$193.92B	$248.76B
2018-12-31	$188.10B	$232.00B
2017-12-31	$180.52B	$236.71B
2016-12-31	$160.49B	$206.18B

Free cash flow by year

Period end	Free cash flow
2025-12-31	-$74.15B
2024-12-31	-$26.17B
2023-12-31	-$80.00B
2022-12-31	$19.44B
2021-12-31	$42.97B
2020-12-31	-$26.93B
2019-12-31	-$18.17B
2018-12-31	$33.18B
2017-12-31	-$12.13B
2016-12-31	$50.98B