CITIGROUP INC
C· NYSE, NYSE, NYSE· National Commercial Banks
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- -87.0%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +2.5%
We record prices for the companies we cover; C is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 1.87B
- Revenue
- $85.2B
- Free cash flow
- -$74.2B
- Owner earnings
- –
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- –
- Operating
- –
- Net
- 16.8%
- Free cash flow
- -87.0%
- Owner earnings
- –
- Stock pay
- –
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- 6.7%
- ROE, 5 yr avg
- 7.1%
Growth (CAGR)
- Revenue, 3 yr
- 4.2%
- Revenue, 5 yr
- 2.5%
- Revenue, 9 yr
- 2.1%
- Diluted EPS, 3 yr
- 0.0%
- Diluted EPS, 5 yr
- 8.2%
- Diluted EPS, 9 yr
- 4.5%
- Free cash flow, 3 yr
- –
- Free cash flow, 5 yr
- –
- Free cash flow, 9 yr
- –
Financial health · FY2025
- Cash and investments
- $349.6B
- Total debt
- $387.6B
- Net debt
- $38.1B
- Debt/Equity
- 1.8x
- Debt/FCF
- –
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- 37.6%
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- -2.3%
Financials: ten years from the 10-Ks
Revenue
$85.2B
+2.1% a year over 9 years
FY2016FY2025
Margins
16.8%
FY2025
FY2016FY2025
Free cash flow and owner earnings
-$74.2B
FY2025
FY2016FY2025
Diluted shares
1.87B
-35.1% over 9 years, net buybacks
FY2016FY2025
Net debt (below zero)
-$38.1B
$38.1B more debt than cash
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | $70.8B | $72.4B | $72.9B | $75.1B | $75.5B | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B |
| Revenue growth | -7.3% | 2.3% | 0.6% | 3.0% | 0.6% | -4.8% | 4.8% | 3.6% | 3.4% | 5.6% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | – | – | – | – | – | – | – | – |
| Net income | $14.9B | -$6.8B | $18.0B | $19.4B | $11.0B | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| Net margin | 21.1% | -9.4% | 24.8% | 25.8% | 14.6% | 30.5% | 19.7% | 11.8% | 15.7% | 16.8% |
| Diluted EPS | $4.72 | $-2.98 | $6.68 | $8.04 | $4.72 | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $53.7B | -$8.8B | $37.0B | -$12.8B | -$23.5B | $47.1B | $25.1B | -$73.4B | -$19.7B | -$67.6B |
| Capital expenditure | $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 |
| Stock-based compensation | – | – | – | – | – | – | – | – | – | – |
| Owner earnings? | – | – | – | – | – | – | – | – | – | – |
| Free cash flow per share | $17.65 | $-4.50 | $13.30 | $-8.02 | $-12.83 | $20.97 | $9.90 | $-40.90 | $-13.49 | $-39.59 |
| Capital allocation | ||||||||||
| Dividends paid | $2.3B | $3.8B | $5.0B | $5.4B | $5.4B | $5.2B | $5.0B | $5.2B | $5.2B | $5.4B |
| Share repurchases | $9.3B | $14.5B | $14.4B | $17.6B | $2.9B | $7.6B | $3.3B | $2.0B | $2.5B | $13.3B |
| Diluted shares | 2.89B | 2.70B | 2.49B | 2.27B | 2.10B | 2.05B | 1.96B | 1.96B | 1.94B | 1.87B |
| Share count change? | -4.0% | -6.6% | -7.5% | -9.2% | -7.3% | -2.4% | -4.2% | -0.4% | -0.8% | -3.5% |
| Balance sheet | ||||||||||
| Cash and equivalents | $160.5B | $180.5B | $188.1B | $193.9B | $309.6B | $262.0B | $342.0B | $260.9B | $276.5B | $349.6B |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | $246.9B | $291.1B | $277.6B | $310.3B | $319.2B | $298.4B | $344.2B | $344.3B | $364.7B | $387.6B |
| Net debt | $86.4B | $110.6B | $89.5B | $116.4B | $9.6B | $36.3B | $2.2B | $83.4B | $88.2B | $38.1B |
| Shareholders' equity | $225.1B | $200.7B | $196.2B | $193.2B | $199.4B | $202.0B | $201.2B | $205.5B | $208.6B | $212.3B |
Latest filings
| 2026-10-13 | 8-K | Earnings release |
| 2026-08-06 | 10-Q | Quarterly report |
| 2026-07-14 | 8-K | Earnings release |
| 2026-05-07 | 10-Q | Quarterly report |
| 2026-04-14 | 8-K | Earnings release |
| 2026-04-02 | DEF 14A | Proxy statement |
| 2026-02-20 | 10-K | Annual report |
| 2026-01-14 | 8-K | Earnings release |
| 2025-11-06 | 10-Q | Quarterly report |
| 2025-10-14 | 8-K | Earnings release |
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