Tearsheet

Citigroup (C)

Market Price (9/17/2025): $100.85 | Market Cap: $187.2 Bil
Sector: Financials | Industry: Diversified Banks

Citigroup (C)

Market Price (9/17/2025): $100.85
Market Cap: $187.2 Bil
Sector: Financials
Industry: Diversified Banks

Investment Highlights

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.1%	Trading close to highs Dist 52W High is 0.0%, Dist 3Y High is 0.0%	Not cash flow generative CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -105%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -113%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -102%
2	Low stock price volatility Vol 12M is 33%
3	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.1%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -102%
2	Low stock price volatility Vol 12M is 33%
3	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%
4	Trading close to highs Dist 52W High is 0.0%, Dist 3Y High is 0.0%
5	Not cash flow generative CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -105%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -113%

Market Valuation

	9/17/25	2024	2023	2022	2021
Share Price CYE	$100.85	$68.90	$48.54	$40.80	$52.37
Market Cap CYE ($ Bil)	187.2	130.1	92.7	79.0	103.9
Total Debt ($ Bil)	373.3	335.8	324.1	318.7	282.3
Total Cash ($ Bil)	337.5	276.5	260.9	342.0	262.0
Enterprise Value ($ Bil)	223.0	465.9	416.8	397.7	386.2
Valuation Ratios
P/S TTM	2.2	1.6	1.3	1.2	1.7
P/EBIT TTM	0.0	0.0	0.0	0.0	0.0
P/E TTM	13.2	10.6	10.8	5.9	5.6
Sector Ratios
P/S TTM (Sector)	3.2	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	7.1	6.9	7.1	7.1	7.0
P/E TTM (Sector)	12.9	11.6	10.1	9.4	10.0

	9/17/25	2024	2023
Share Price CYE	$100.85	$68.90	$48.54
Market Cap CYE ($ Bil)	187.2	130.1	92.7
Total Debt ($ Bil)	373.3	335.8	324.1
Total Cash ($ Bil)	337.5	276.5	260.9
Enterprise Value ($ Bil)	223.0	465.9	416.8
Valuation Ratios
P/S TTM	2.2	1.6	1.3
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	13.2	10.6	10.8
Sector Ratios
P/S TTM (Sector)	3.2	3.1	2.8
P/EBIT TTM (Sector)	7.1	6.9	7.1
P/E TTM (Sector)	12.9	11.6	10.1

Stock Price
Market Cap

Stock Price Chart

Return (1Y):

Market Cap Chart

Business Description

Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. Show more

Price Returns Compared

Expand for Detailed View

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
C Return	-20%	1%	-22%	19%	42%	46%	54%
Peers Return	4%	39%	-15%	14%	37%	24%	139%
S&P 500 Return	16%	27%	-19%	24%	23%	12%	104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: JPM, BAC, MS, GS, USB. See C Returns vs. Peers.
[3] 2025 data is for the year up to 9/16/2025 (YTD)

Interactive Breakdown

Citigroup Interactive Breakdown Analysis

Better Bets than Citigroup (C)

	C	Better Performance than C
Metric	Value	Industry (Diversified Banks)
Rev Chg LTM	6.3%	JPM (8.2%), HSBC (6.9%), RY (16.4%), TD (10.1%), BMO (9.9%)
Rev Chg 3Y Avg	4.3%	JPM (13.5%), BAC (5.0%), HSBC (8.3%), RY (9.9%), TD (10.6%)
CFO/Rev LTM	-104.9%	JPM (-84.6%), BAC (4.4%), WFC (-11.2%), RY (135.4%), TD (32.4%)
FCF/Rev LTM	-112.7%	JPM (-84.6%), BAC (4.4%), WFC (-11.2%), RY (131.7%), TD (28.7%)
Total Yield	7.6%	WFC (9.8%), HSBC (7.8%), RY (9.3%), TD (15.6%), BMO (9.3%)

	C	Better Performance than C
Metric	Value	Sector (Financials)
Rev Chg LTM	6.3%	JPM (8.2%), V (11.4%), MA (13.1%), GS (12.2%), MS (16.7%)
Rev Chg 3Y Avg	4.3%	BRK-B (16.6%), JPM (13.5%), V (11.5%), MA (13.5%), BAC (5.0%)
CFO/Rev LTM	-104.9%	BRK-B (6.9%), JPM (-84.6%), V (60.4%), MA (53.3%), BAC (4.4%)
FCF/Rev LTM	-112.7%	BRK-B (2.1%), JPM (-84.6%), V (56.8%), MA (49.2%), BAC (4.4%)
Total Yield	7.6%	WFC (9.8%), HSBC (7.8%), RY (9.3%), PGR (9.3%), TD (15.6%)

	C	Better Performance than C
Metric	Value	All Other Sectors
Rev Chg LTM	6.3%	NVDA (71.6%), MSFT (14.9%), GOOGL (13.1%), AMZN (10.9%), META (19.4%)
Rev Chg 3Y Avg	4.3%	NVDA (92.0%), MSFT (12.5%), GOOGL (10.2%), AMZN (11.3%), META (13.0%)
CFO/Rev LTM	-104.9%	NVDA (46.6%), MSFT (48.3%), AAPL (26.6%), GOOGL (36.0%), AMZN (18.1%)
FCF/Rev LTM	-112.7%	NVDA (43.6%), MSFT (25.4%), AAPL (23.5%), GOOGL (18.0%), AMZN (2.0%)
Total Yield	7.6%	XOM (9.7%), JNJ (8.2%), BABA (38.9%), UNH (9.4%), CVX (9.3%)

Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	C Dip Buy Analysis
2	Day 11 of Gains Streak for Citigroup Stock with 13% Return (vs. 26% YTD) [7/7/2025]
3	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
4	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
5	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
6	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
7	Day 7 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/27/2025]
8	Day 6 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/26/2025]
9	Day 5 of Gains Streak for Citigroup Stock with 5.5% Return (vs. 19% YTD) [6/25/2025]
10	Citigroup Total Shareholder Return (TSR): 41.9% in 2024 and 9.6% 3-yr compounded annual returns (below peer average)
11	ARTICLES
12	S&P 500 Stocks Trading At 52-Week High	September 17th, 2025
13	S&P 500 Stocks Trading At 52-Week High	September 11th, 2025
14	S&P 500 Stocks Trading At 52-Week High	July 23rd, 2025
15	Large Cap Stocks Trading At 52-Week High	July 23rd, 2025
16	C Stock Up 13% after 11-Day Win Streak	July 8th, 2025

	Title
0	DASHBOARDS
1	S&P 500 Stocks Trading At 52-Week High
2	S&P 500 Stocks Trading At 52-Week High
3	S&P 500 Stocks Trading At 52-Week High
4	Large Cap Stocks Trading At 52-Week High
5	C Stock Up 13% after 11-Day Win Streak
6	ARTICLES
7	C Dip Buy Analysis
8	Day 11 of Gains Streak for Citigroup Stock with 13% Return (vs. 26% YTD) [7/7/2025]
9	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
10	Day 9 of Gains Streak for Citigroup Stock with 12% Return (vs. 24% YTD) [7/1/2025]
11	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
12	Day 8 of Gains Streak for Citigroup Stock with 10% Return (vs. 23% YTD) [6/30/2025]
13	Day 7 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/27/2025]
14	Day 6 of Gains Streak for Citigroup Stock with 9.1% Return (vs. 22% YTD) [6/26/2025]
15	Day 5 of Gains Streak for Citigroup Stock with 5.5% Return (vs. 19% YTD) [6/25/2025]
16	Citigroup Total Shareholder Return (TSR): 41.9% in 2024 and 9.6% 3-yr compounded annual returns (below peer average)

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	FGI	FGI Industries	139.3%	145.2%
2	CODX	Co-Diagnostics	80.8%	-14.8%
3	CNFR	Conifer	55.5%	50.4%
4	BGI	Birks	55.4%	-18.1%
5	FLUX	Flux Power	52.2%	99.4%
6	BOXL	Boxlight	45.7%	32.1%
7	LVRO	Lavoro	45.5%	-57.4%
8	NFE	New Fortress Energy	44.9%	-86.8%
9	WBTN	Webtoon Entertainment	39.0%	53.2%
10	HCWC	Healthy Choice Wellness	37.5%	-34.7%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	REX	REX American Resources	-50.1%	46.1%
2	XAGE	Longevity Health	-39.3%	-86.1%
3	BNGO	Bionano Genomics	-35.7%	-89.7%
4	IHT	InnSuites Hospitality Trust	-30.7%	7.3%
5	LUD	Luda Technology	-28.6%
6	NAOV	NanoVibronix	-28.5%	-88.2%
7	GDC	GD Culture	-28.2%	269.8%
8	ASST	Strive	-28.0%	813.4%
9	BIAF	bioAffinity Technologies	-25.5%	-71.3%
10	FAAS	DigiAsia	-23.9%	-87.2%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	BDSX	Biodesix	1313.2%	-78.6%
2	CLSD	Clearside Biomedical	954.0%	-74.9%
3	SDOT	Sadot	624.1%	-79.4%
4	WLDS	Wearable Devices	498.0%	-30.0%
5	CHEK	Check-Cap	285.6%	154.6%
6	ATCH	AtlasClear	275.9%	-91.0%
7	HSDT	Helius Medical Technologies	262.5%	-95.6%
8	OPI	Office Properties Income Trust	261.7%	-13.4%
9	FGI	FGI Industries	156.8%	145.2%
10	AIRE	ReAlpha Tech	154.0%	-56.1%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	NAKA	Kindly MD	-81.4%
2	ATYR	aTyr Pharma	-79.7%	-70.2%
3	LGCL	Lucas GC	-73.6%	-77.1%
4	EPSM	Epsium Enterprise	-70.1%
5	BNGO	Bionano Genomics	-59.4%	-89.7%
6	FAAS	DigiAsia	-58.5%	-87.2%
7	QMMM	QMMM	-57.5%	6775.0%
8	VCIG	VCI Global	-56.9%	-99.1%
9	YYGH	YY	-56.6%	-78.5%
10	XAGE	Longevity Health	-55.5%	-86.1%

1 Month Top Gainers

#	Ticker	Company	1M Rtn	YTD Rtn
1	PMI	Picard Medical	11963.5%	11963.5%
2	GIBO	GIBO	9734.4%
3	CHSN	Chanson International	7565.0%	-99.3%
4	LNZA	LanzaTech Global	7287.5%	-86.0%
5	QMMM	QMMM	3031.7%	6775.0%
6	OESX	Orion Energy Systems	1497.9%	22.9%
7	CURX	Curanex Pharmaceuticals	1401.6%	1401.6%
8	ENTO	Entero Therapeutics	565.6%	117.6%
9	PTNM	Pitanium	553.2%
10	WLDS	Wearable Devices	449.5%	-30.0%

1 Month Top Losers

#	Ticker	Company	1M Rtn	YTD Rtn
1	CJET	Chijet Motor	-92.2%	-95.0%
2	STFS	Star Fashion Culture	-92.2%	-97.8%
3	ELPW	Elong Power	-91.6%	-76.7%
4	NXTT	Next Technology	-89.6%	-95.1%
5	NAKA	Kindly MD	-89.0%
6	BINI	Bollinger Innovations	-88.9%	-100.0%
7	JEM	707 Cayman	-88.4%	-98.2%
8	YAAS	Youxin Technology	-82.5%	-98.3%
9	NEON	Neonode	-82.0%	-50.2%
10	NVNO	enVVeno Medical	-81.5%	-69.8%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	FGI	FGI Industries	139.3%	145.2%
2	CODX	Co-Diagnostics	80.8%	-14.8%
3	CNFR	Conifer	55.5%	50.4%
4	BGI	Birks	55.4%	-18.1%
5	FLUX	Flux Power	52.2%	99.4%
6	BOXL	Boxlight	45.7%	32.1%
7	LVRO	Lavoro	45.5%	-57.4%
8	NFE	New Fortress Energy	44.9%	-86.8%
9	WBTN	Webtoon Entertainment	39.0%	53.2%
10	HCWC	Healthy Choice Wellness	37.5%	-34.7%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	REX	REX American Resources	-50.1%	46.1%
2	XAGE	Longevity Health	-39.3%	-86.1%
3	BNGO	Bionano Genomics	-35.7%	-89.7%
4	IHT	InnSuites Hospitality Trust	-30.7%	7.3%
5	LUD	Luda Technology	-28.6%
6	NAOV	NanoVibronix	-28.5%	-88.2%
7	GDC	GD Culture	-28.2%	269.8%
8	ASST	Strive	-28.0%	813.4%
9	BIAF	bioAffinity Technologies	-25.5%	-71.3%
10	FAAS	DigiAsia	-23.9%	-87.2%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	BDSX	Biodesix	1313.2%	-78.6%
2	CLSD	Clearside Biomedical	954.0%	-74.9%
3	SDOT	Sadot	624.1%	-79.4%
4	WLDS	Wearable Devices	498.0%	-30.0%
5	CHEK	Check-Cap	285.6%	154.6%
6	ATCH	AtlasClear	275.9%	-91.0%
7	HSDT	Helius Medical Technologies	262.5%	-95.6%
8	OPI	Office Properties Income Trust	261.7%	-13.4%
9	FGI	FGI Industries	156.8%	145.2%
10	AIRE	ReAlpha Tech	154.0%	-56.1%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	NAKA	Kindly MD	-81.4%
2	ATYR	aTyr Pharma	-79.7%	-70.2%
3	LGCL	Lucas GC	-73.6%	-77.1%
4	EPSM	Epsium Enterprise	-70.1%
5	BNGO	Bionano Genomics	-59.4%	-89.7%
6	FAAS	DigiAsia	-58.5%	-87.2%
7	QMMM	QMMM	-57.5%	6775.0%
8	VCIG	VCI Global	-56.9%	-99.1%
9	YYGH	YY	-56.6%	-78.5%
10	XAGE	Longevity Health	-55.5%	-86.1%

Peer Comparisons for Citigroup

Financials

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
Mkt Price	100.64	309.19	50.66	155.81	785.53	48.39	128.22
Mkt Cap	186.8	862.2	389.0	245.7	246.4	75.4	246.1
Rev LTM	83,113	175,656	103,435	61,503	56,213	27,715	72,308
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	-93,686	-148,615	4,550	-20,941	-24,879	7,484	-22,910
FCF 3Y Avg	-65,690	-56,104	24,365	-25,282	-27,212	10,620	-26,247
CFO LTM	-87,165	-148,615	4,550	-17,670	-22,852	7,484	-20,261
CFO 3Y Avg	-59,182	-56,104	24,365	-21,957	-24,836	10,620	-23,396

Growth & Margins

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
Rev Chg LTM	6.3%	8.2%	5.4%	16.7%	12.2%	1.7%	7.2%
Rev Chg 3Y Avg	4.3%	13.5%	5.0%	5.0%	3.8%	6.5%	5.0%
Rev Chg Q	8.1%	6.7%	6.0%	11.3%	14.5%	2.0%	7.4%
QoQ Delta Rev Chg LTM	2.0%	1.6%	1.5%	2.6%	3.4%	0.5%	1.8%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	-104.9%	-84.6%	4.4%	-28.7%	-40.7%	27.0%	-34.7%
CFO/Rev 3Y Avg	-74.6%	-32.5%	24.8%	-41.3%	-46.4%	39.0%	-36.9%
FCF/Rev LTM	-112.7%	-84.6%	4.4%	-34.0%	-44.3%	27.0%	-39.2%
FCF/Rev 3Y Avg	-82.8%	-32.5%	24.8%	-47.4%	-51.2%	39.0%	-40.0%

Valuation

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
Mkt Cap	186.8	862.2	389.0	245.7	246.4	75.4	246.1
P/S	2.2	4.9	3.8	4.0	4.4	2.7	3.9
P/EBIT	-	-	-	-	-	-	-
P/E	13.2	15.3	14.0	16.7	15.8	10.9	14.6
P/CFO	-2.1	-5.8	85.5	-13.9	-10.8	10.1	-4.0
Total Yield	7.6%	6.6%	7.2%	6.0%	6.3%	13.3%	6.9%
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	4.1%	0.0%
FCF Yield 3Y Avg	-56.0%	-7.4%	8.7%	-16.0%	-14.8%	18.4%	-11.1%
D/E	2.0	0.6	0.9	1.4	1.5	1.0	1.2
Net D/E	-1.0	-0.5	-0.8	1.0	0.8	-0.9	-0.6

Returns

	C	JPM	BAC	MS	GS	USB	Median
Name	Citigroup	JPMorgan.	Bank of .	Morgan S.	Goldman .	U.S. Ban.
1M Rtn	7.4%	6.4%	8.5%	7.7%	8.1%	5.4%	7.6%
3M Rtn	30.9%	14.7%	15.2%	20.6%	26.4%	14.6%	17.9%
6M Rtn	45.4%	32.4%	23.0%	33.9%	43.8%	17.1%	33.1%
12M Rtn	77.7%	51.4%	32.6%	60.3%	65.2%	13.2%	55.8%
3Y Rtn	134.6%	184.1%	60.7%	97.9%	160.1%	22.0%	116.3%
1M Excs Rtn	5.0%	4.0%	6.1%	5.3%	5.6%	2.9%	5.1%
3M Excs Rtn	20.2%	4.9%	5.2%	10.3%	16.3%	3.9%	7.8%
6M Excs Rtn	29.6%	16.6%	7.2%	17.7%	27.5%	1.0%	17.1%
12M Excs Rtn	62.9%	34.2%	15.6%	48.0%	51.0%	-2.7%	41.1%
3Y Excs Rtn	60.3%	116.7%	-5.5%	31.0%	87.0%	-44.8%	45.7%

FDIC Bank Data

Bank Capital

FDIC Data As Of	12312024
CAPITAL
Equity Total Capital ($ Bil)	172
Tier 1 (Core) Capital ($ Bil)	156
ASSETS
Total Assets ($ Bil)	1,697
Adjusted Average Assets ($ Bil)	1,726
Risk Weighted Assets Adjusted ($ Bil)	1,109
LEVERAGE RATIOS
Tier 1 Capital / Total Assets Ratio	9.2%
Tier 1 Capital / Adjusted Avg Assets Ratio	9.0%
Tier 1 Capital / Risk Wtd Assets Ratio	14.0%

Bank Deposits

FDIC Data As Of	12312024
DEPOSITS
Total Deposits ($ Bil)	1,325
Uninsured Deposits ($ Bil)	594
Uninsured Deposits Ratio %	44.9%

Bank Assets

FDIC Data As Of	12312024
ASSETS
Cash Balance ($ Bil)	262
Securities ($ Bil)	440
Net Loans ($ Bil)	647
Trading Assets ($ Bil)	140
Bank Premises Assets ($ Bil)	12
Other Real Estate Owned ($ Bil)	0
Goodwill & Intangibles ($ Bil)	14
Other Assets ($ Bil)	99
Total Assets (Sum) ($ Bil)	1,614
Total Assets (Reported) ($ Bil)	1,697
Risk Weighted Assets ($ Bil)	1,109
SECURITIES DETAILS
US Govt Securities ($ Bil)	276
Equity Securities Not Held for Trading ($ Bil)	0
Total Debt Securities ($ Bil)	440
Mortgage-Backed Securities ($ Bil)	99
SECURITIES VALUATION
Securities Held to Maturity (Book Value) ($ Bil)	238
Securities Available for Sale (Fair Market) ($ Bil)	202

Bank Loans

[valid:true, table:

FDIC Data As Of	12312024
LOAN DETAILS
All Real Estate Loans ($ Bil)	175
Farm Loans ($ Bil)	0
Commercial and Industrial Loans ($ Bil)	147
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)	181
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)	14
Commercial Real Estate Owner-Occupied ($ Bil)	1
Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)	10
Total Net Loans ($ Bil)	647

, map:[FDIC Data As Of:12312024, LOAN DETAILS:null, All Real Estate Loans ($ Bil):174.809000, Farm Loans ($ Bil):0.237000, Commercial and Industrial Loans ($ Bil):147.120000, Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil):181.005000, Commercial Real Estate Loans not Secured by Real Estate ($ Bil):13.501000, Commercial Real Estate Owner-Occupied ($ Bil):0.995000, Commercial Real Estate Other Non-Farm Non-Residential ($ Bil):10.275000, Total Net Loans ($ Bil):647.340000]]

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	6/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	8/6/2025	2/21/2025	2/23/2024	2/27/2023	2/28/2022	2/26/2021	2/21/2020
Key Financials
Total Revenue	83,113	81,089	77,024	74,480	71,887	75,494	75,067
Net Income	14,177	12,682	9,228	14,845	21,952	11,047	19,401
EPS	6.87	6.03	4.07	7.04	10.21	4.74	8.08
Growth Rates
Total Revenue Growth	6.3%	5.3%	3.4%	3.6%	-4.8%	0.6%	3.0%
Net Income Growth	70.9%	37.4%	-37.8%	-32.4%	98.7%	-43.1%	7.5%
Margins
Net Income Margin	17.1%	15.6%	12.0%	19.9%	30.5%	14.6%	25.8%
Cash & Debt
Total Cash	563,203	498,019	506,000	580,771	541,329	638,778	465,463
Total Debt	373,321	335,805	324,076	318,702	282,347	301,200	293,809
Net Debt / (Cash)	-189,882	-162,214	-181,924	-262,069	-258,982	-337,578	-171,654
Cash Flows
Net Cash from Operations	-87,165	-19,669	-73,416	25,069	47,090	-23,488	-12,837
Free Cash from Operations	-93,686	-26,169	-79,999	19,437	42,971	-26,934	-18,173
Returns to Shareholders
Dividends	5,307	5,199	5,212	5,003	5,198	5,352	5,447
Share Repurchases	12,450	7,524	6,122	3,250	11,386	4,425	19,551

$ Mil \| FY: 12/31	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3
Period End	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Filing Date	8/6/2025	5/8/2025	2/21/2025	11/7/2024	8/2/2024	5/3/2024	2/23/2024	11/3/2023	8/4/2023	5/5/2023	2/27/2023	11/4/2022
Key Financials Quarterly
Total Revenue	21,661	21,601	19,586	20,265	20,037	21,006	17,440	19,739	19,440	20,405	17,821	17,884
Net Income	4,019	4,064	2,856	3,238	3,217	3,371	-1,839	3,546	2,915	4,606	2,513	3,479
EPS	1.98	2.00	1.36	1.53	1.54	1.59	-1.16	1.64	1.34	2.21	1.16	1.64
Key Financials TTM
Total Revenue TTM	83,113	81,489	80,894	78,748	78,222	77,625	77,024	77,405	75,550	75,680	74,463	73,645
Net Income TTM	14,177	13,375	12,682	7,987	8,295	7,993	9,228	13,580	13,513	15,145	14,845	15,505
Growth Rates Quarterly
Total Revenue Growth	8.1%	2.8%	12.3%	2.7%	3.1%	2.9%	-2.1%	10.4%	-0.7%	6.3%	4.8%	2.4%
Net Income Growth	24.9%	20.6%	255.3%	-8.7%	10.4%	-26.8%	-173.2%	1.9%	-35.9%	7.0%	-20.8%	-25.1%
Margins Quarterly
Net Income Margin	18.6%	18.8%	14.6%	16.0%	16.1%	16.0%	-10.5%	18.0%	15.0%	22.6%	14.1%	19.5%
Cash & Debt
Total Cash	563,203	527,782	498,019	534,959	492,637	525,782	506,000	481,050	522,488	559,070	580,771	524,246
Total Debt	373,321	344,823	335,805	340,421	319,015	317,405	324,076	318,926	314,940	319,871	318,702	300,436
Net Debt / (Cash)	-189,882	-182,959	-162,214	-194,538	-173,622	-208,377	-181,924	-162,124	-207,548	-239,199	-262,069	-223,810
Cash Flows Quarterly
FCF from Operations	-36,579	-58,708	24,796	-16,674	-16,960	-10,831	-4,666	15,794	-54,059	-30,485	12,813	-1,988
Cash Flows TTM
FCF from Operations TTM	-87,165	-67,546	-19,669	-49,131	-16,663	-53,762	-73,416	-55,937	-73,719	3,831	25,069	161
Returns to Shareholders Quarterly
Dividends	1,328	1,323	1,314	1,342	1,252	1,291	1,313	1,352	1,280	1,267	1,226	1,263
Share Repurchases	3,999	3,251	968	4,232	1,361	963	3,943	1,179	1,000	-0	-0	50
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
United States Personal Banking (USPB)	19,187	16,872	15,845
Markets	18,649	19,945	19,399
Services	18,102	15,665	12,523
All Other	9,442	9,120	9,462
Wealth	7,021	7,355	7,542
Banking	4,715	5,527	7,783
Reconciling Items	1,346	854	-670
Corporate/Other				71	2,014
Global Consumer Banking				30,342	32,971
Institutional Clients Group (ICG)				45,088	39,301
Total	78,462	75,338	71,884	75,501	74,286

Net Income by Segment

$ Mil	2024	2023	2022	2021	2020
Services	4,701	4,948	3,768
Markets	3,938	5,852	6,661
United States Personal Banking (USPB)	1,820	2,770	6,099
Reconciling Items	659	-184	-1,642
Wealth	419	995	1,968
Banking	-31	334	4,105
All Other	-2,124	450	1,059
Corporate/Other				-1,109	825
Global Consumer Banking				663	5,702
Institutional Clients Group (ICG)				11,553	12,944
Total	9,382	15,165	22,018	11,107	19,471

Assets by Segment

$ Mil	2024	2023	2022	2021	2020
Markets	1,008,000	963,000	895,000
Services	586,000	600,000	547,000
United States Personal Banking (USPB)	242,000	231,000	211,000
Wealth	229,000	256,000	250,000
All Other	199,000	215,000	243,000
Banking	148,000	152,000	145,000
Corporate/Other				96,000	97,000
Global Consumer Banking				434,000	407,000
Institutional Clients Group (ICG)				1,730,000	1,447,000
Total	2,412,000	2,417,000	2,291,000	2,260,000	1,951,000

Price Behavior

Behavior Stats
Betas Matrix

Price Behavior

Market Price	$100.64
Market Cap ($ Bil)	186.8
First Trading Date	01/03/1977
Distance from 52W High	0.0%
	50 Days	200 Days
DMA Price	$93.80	$78.20
DMA Trend	up	up
Distance from DMA	7.3%	28.7%
	3M	1YR
Volatility	22.5%	33.0%
Downside Capture	0.24	0.88
Upside Capture	184.43	153.15
Correlation (SPY)	58.9%	75.3%

C Betas & Captures as of 8/31/2025

	1M	2M	3M	6M	1Y	3Y
Beta	1.38	1.38	1.39	1.24	1.25	1.13
Up Beta	1.26	1.59	1.62	0.95	1.07	1.06
Down Beta	0.89	0.81	1.35	1.61	1.47	1.27
Up Capture	157%	170%	177%	155%	186%	161%
Bmk +ve Days	10	22	35	71	142	415
Stock +ve Days	9	22	37	71	136	400
Down Capture	154%	124%	84%	118%	109%	102%
Bmk -ve Days	11	19	27	54	106	334
Stock -ve Days	12	20	26	54	111	344

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date	8292025
Short Interest: Shares Quantity	37,121,462
Short Interest: % Change Since 8152025	-8.3%
Average Daily Volume	12,172,746
Days-to-Cover Short Interest	3.05
Basic Shares Quantity	1,855,900,000
Short % of Basic Shares	2.0%

Returns Analyses

	Title
0	Citigroup Stock Return Comparison
1	Citigroup Total Shareholder Return (TSR): -21.2% in 2022 and -13.7% 3-yr returns (below peer average)

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
7/15/2025	3.7%	5.9%	10.1%
4/15/2025	1.8%	2.1%	20.0%
1/15/2025	6.5%	11.1%	12.5%
10/15/2024	-5.1%	-6.3%	5.5%
4/12/2024	-1.7%	-3.9%	5.6%
1/10/2024	-1.8%	-3.6%	2.8%
10/13/2023	-0.2%	-3.5%	2.6%
7/14/2023	-4.0%	-0.6%	-5.4%
...
SUMMARY STATS
# Positive	11	9	14
# Negative	11	13	8
Median Positive	1.7%	4.4%	6.6%
Median Negative	-3.9%	-3.9%	-3.4%
Max Positive	13.2%	19.1%	24.4%
Max Negative	-6.9%	-11.1%	-9.7%

	Forward Returns
7/15/2025	3.7%	5.9%	10.1%
4/15/2025	1.8%	2.1%	20.0%
1/15/2025	6.5%	11.1%	12.5%
10/15/2024	-5.1%	-6.3%	5.5%
4/12/2024	-1.7%	-3.9%	5.6%
1/10/2024	-1.8%	-3.6%	2.8%
10/13/2023	-0.2%	-3.5%	2.6%
7/14/2023	-4.0%	-0.6%	-5.4%
4/14/2023	4.8%	4.4%	-2.9%
1/13/2023	1.7%	4.1%	4.9%
10/14/2022	0.7%	-0.1%	18.2%
7/15/2022	13.2%	19.1%	24.4%
4/14/2022	1.6%	4.9%	-4.0%
1/14/2022	-1.3%	-6.7%	-1.2%
10/14/2021	0.8%	2.2%	-1.3%
7/14/2021	-0.3%	-3.0%	9.5%
1/15/2021	-6.9%	-11.1%	-6.3%
10/13/2020	-4.8%	-6.5%	5.1%
7/14/2020	-3.9%	-3.9%	4.0%
4/15/2020	-5.6%	-8.5%	-9.7%
1/14/2020	1.6%	-0.9%	-1.0%
10/15/2019	1.4%	2.2%	7.6%
SUMMARY STATS
# Positive	11	9	14
# Negative	11	13	8
Median Positive	1.7%	4.4%	6.6%
Median Negative	-3.9%	-3.9%	-3.4%
Max Positive	13.2%	19.1%	24.4%
Max Negative	-6.9%	-11.1%	-9.7%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
6302025	8062025	10-Q 6/30/2025
3312025	5082025	10-Q 3/31/2025
12312024	2212025	10-K 12/31/2024
9302024	11072024	10-Q 9/30/2024
6302024	8022024	10-Q 6/30/2024
3312024	5032024	10-Q 3/31/2024
12312023	2232024	10-K 12/31/2023
9302023	11032023	10-Q 9/30/2023
6302023	8042023	10-Q 6/30/2023
3312023	5052023	10-Q 3/31/2023
12312022	2272023	10-K 12/31/2022
9302022	11042022	10-Q 9/30/2022
6302022	8042022	10-Q 6/30/2022
3312022	5092022	10-Q 3/31/2022
12312021	2282022	10-K 12/31/2021
9302021	11082021	10-Q 9/30/2021

Insider Activity

Expand for More

	Owner	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	Henry Peter B.	7182025	Sell	90.40	3,000	271,209	193,500	Form
1	DUGAN JOHN CUNNINGHAM	5022025	Sell	68.26	4,417	301,493	890,645	Form
2	Henry Peter B.	11132024	Sell	69.97	13,000	909,675	211,503	Form

Industry Resources

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Federal Reserve Economic Data

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0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Citigroup (C)

Market Price (9/17/2025): $100.85 | Market Cap: $187.2 BilSector: Financials | Industry: Diversified Banks

Citigroup (C)

Market Price (9/17/2025): $100.85Market Cap: $187.2 BilSector: FinancialsIndustry: Diversified Banks

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Market Price (9/17/2025): $100.85 | Market Cap: $187.2 Bil
Sector: Financials | Industry: Diversified Banks

Market Price (9/17/2025): $100.85
Market Cap: $187.2 Bil
Sector: Financials
Industry: Diversified Banks