C
NYSE · USDCitigroup Inc.
Financial Services · Banks - Diversified
CEO Jane Nind Fraser
Employees 226,000
R&D / revenue 1.4%
Last price
$124.25+0.84%last session
Market cap
$208.4B
P/E (TTM)
12.0x
From 52w high
−16.0%
From 52w low
+30.8%
1-year return
+31.8%
RSI 14 · vs SMA200
38.4 · −1.1%
IS score
16.4/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)
One year, rebased to 100
C SPY XLF (sector ETF) · weekly closesScore DNA
Each bar is a 0-100 score within the scored universe43Profitability
59Growth
80Value
14Momentum
80Risk (safety)
3Quality
44Balance sheet
37Earnings quality
Flags
Strengths
✓ Net cash✓ Congress buying
Warnings
▲ Negative free cash flow
Observations
Moat model: Weak, Efficient ScalePiotroski 5 / 9Beta 1.103 of 4 smart-money sources active
Smart-money strip
Each disclosure source on its own window. Filings coinciding is not coordination.INSForm 4 · 180 days
Insider open-market buys
0
1 open-market sales, $265,260
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
3
Last disclosed purchase 2026-09-24
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+176
300 new holders, 94 closed
2,650 filers hold 79.4% · 1,036 added, 993 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+30
1,350 funds adding shares
1,320 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
36.0%
20-day avg 28.8%, 50-day avg 34.8%
Latest 7.2 pp over its 20-day average · a flow, not short interest
Key financials · FY2025
USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.Income statement
Revenue$168.3B
Revenue growth YoY−1.4%
Gross margin44.6%
Operating income$19.8B
Operating margin11.8%
Net income$14.3B
Net margin8.5%
EPS (diluted)$6.99
Cash flow
Operating cash flow$28.8B
Capital expenditure$6.5B
Free cash flow$22.3B
FCF conversion (FCF / OCF)77.4%
Stock-based compensation$0
FCF less SBC$22.3B
Buybacks$18.2B
Dividends$5.4B
Balance sheet & returns
Cash & short-term investments$675.4B
Total debt$715.8B
Net debt$40.4B
Shareholders' equity$213.8B
Goodwill & intangibles$23.4B
Debt / equity3.90
ROE (TTM)9.2%
ROIC (TTM)1.8%
Operating margin by fiscal year
Revenue $79.9B (FY2021) to $168.3B (FY2025), a 20.5% CAGR.
Valuation
P/E (TTM)12.0x
EV / EBITDA22.3x
Price / sales1.35x
Price / FCFn/m
FCF yield-11.76%
Buyback yield8.76%
SBC / revenue0.0%
Price / book1.09x
Forward P/E FY202611.0x
Forward P/E FY20279.7x
Forward P/E FY20288.4x
Forward multiples divide today's price by Street EPS estimates. Street mean target $145.57 across 7 analysts last quarter is theirs, not ours.
C vs industry median
44 companies in Banks - Diversified
C (TTM)Industry median
Asset turnover 0.05 vs industry 0.05 · financial leverage 14.05
Earnings delivery
Next report 2027-01-14 · consensus EPS $2.2892%
beat rate, 11 of 12 quarters
+12.9%
median EPS surprise
8
longest beat streak
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2024-01-12 to 2026-10-13. Bars cap at ±60%.
Peers
Market-cap band, not the industry cohort above| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | 12m return |
|---|---|---|---|---|---|---|
| C Citigroup Inc. | $208.4B | 12.0x | 9.2% | 12.5% | −1.4% | +31.8% |
| WFC Wells Fargo & Company | $253.6B | 11.6x | 12.5% | 19.1% | +5.5% | +0.4% |
| UBS UBS Group AG | $146.0B | 16.1x | 9.6% | 15.6% | +1.4% | +22.7% |
| HSBC HSBC Holdings plc | $324.6B | 13.5x | 13.8% | 23.2% | +8.7% | +44.1% |
| BAC Bank of America Corporation | $358.2B | 12.0x | 11.2% | 18.4% | +3.0% | +2.1% |
| JPM JPMorgan Chase & Co. | $903.0B | 14.2x | 17.8% | 25.7% | +8.0% | — |
| AXP American Express Company | $211.8B | 19.0x | 34.4% | 14.4% | +9.4% | — |
| BLK BlackRock, Inc. | $175.7B | 25.5x | 12.2% | 21.4% | +24.7% | — |
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.
Recent 8-K filings
No 8-K filings on file.
Context
Shares outstanding1,677,436,783
Free float99.7%
Institutional ownership79.4%
Beta1.10
Dividend yield1.99%
Last dividend$0.67 on 2026-08-03
50 / 200-day average$132.86 / $126.35
Mega-cap Financial Services median P/E14.6x
Full factsheet
The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).
Read it in the browser Download (PDF)All fundamentals · 140 measures in 13 categories
Percentile = where C sits among 6 scored companies in Banks - Diversified (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)
Valuation
| Measure | C | Industry percentile |
|---|---|---|
| P/E (TTM) | 11.7x | 40th |
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.82 | 20th |
| Price / sales | 1.2x | 0th |
| Price / book | 1.0x | 0th |
| Price / tangible book | 1.3x | 0th |
| Price / free cash flow | n/a | |
| Price / operating cash flow | n/a | |
| Enterprise value | n/a | |
| EV / sales | n/a | |
| EV / EBITDA | n/a | |
| EV / EBIT | n/a | |
| EV / free cash flow | n/a | |
| Earnings yield | 8.5% | 60th |
| FCF yield | n/a | |
| Operating cash flow yield | n/a | |
| Graham number (per share) | $167.90 | 80th |
Profitability (TTM)
| Measure | C | Industry percentile |
|---|---|---|
| Gross margin | n/a | |
| EBITDA margin | n/a | |
| Operating margin | 14.2% | 20th |
| EBIT margin | 14.2% | 20th |
| Net margin | 10.2% | 0th |
| NOPAT margin | 10.5% | 0th |
| FCF margin | n/a | |
| Operating cash flow margin | n/a | |
| R&D / revenue | 1.3% | 100th |
| SG&A / revenue | 23.3% | 20th |
| Stock comp / revenue | 0.0% | 0th |
| Effective tax rate | 26.0% | 100th |
Returns on capital
| Measure | C | Industry percentile |
|---|---|---|
| ROE (on average equity) | 8.4% | 0th |
| ROA | 0.6% | 20th |
| ROIC | n/a | |
| ROCE | n/a | |
| Return on tangible assets | 0.9% | 20th |
| Cash ROIC (OCF / invested capital) | n/a | |
| Gross profitability (GP / assets) | n/a | |
| ROIC, 3-yr average | n/a | |
| ROIC, 5-yr average | n/a | |
| ROE, 5-yr average | 6.8% | 0th |
| Incremental ROIC | n/a |
Growth
| Measure | C | Industry percentile |
|---|---|---|
| Revenue growth (TTM YoY) | 3.9% | 40th |
| Revenue growth (QoQ) | 2.0% | 20th |
| Revenue CAGR, 3 yr | 10.2% | 40th |
| Revenue CAGR, 5 yr | 16.7% | 20th |
| Gross profit CAGR, 3 yr | n/a | |
| Operating income CAGR, 3 yr | 11.6% | 40th |
| Net income growth (TTM YoY) | 25.6% | 60th |
| Net income CAGR, 3 yr | 9.6% | 40th |
| EPS growth (TTM YoY) | 37.0% | 60th |
| EPS CAGR, 3 yr | 14.3% | 80th |
| EPS CAGR, 5 yr | 0.0% | 0th |
| FCF growth (TTM YoY) | n/a | |
| FCF CAGR, 3 yr | n/a | |
| Operating cash flow CAGR, 3 yr | n/a | |
| Book value CAGR, 3 yr | 4.8% | 0th |
| Dividend CAGR, 3 yr | 5.1% | 60th |
| Sustainable growth rate | 5.8% | 0th |
Margin history & stability
| Measure | C | Industry percentile |
|---|---|---|
| Gross margin, 3-yr average | n/a | |
| Operating margin, 3-yr average | 10.7% | 0th |
| Net margin, 3-yr average | 7.9% | 0th |
| FCF margin, 3-yr average | n/a | |
| Revenue stability (0-1) | 0.90 | 40th |
| Earnings stability (0-1) | 0.13 | 20th |
| Margin stability (0-1) | 0.64 | 0th |
Liquidity (latest quarter)
| Measure | C | Industry percentile |
|---|---|---|
| Cash & short-term investments | n/a | |
| Net cash (− = net debt) | n/a | |
| Working capital | n/a | |
| Current ratio | n/a | |
| Quick ratio | n/a | |
| Cash ratio (cash + ST investments / current liabilities) | n/a | |
| Defensive interval (days) | n/a |
Leverage & solvency (latest quarter)
| Measure | C | Industry percentile |
|---|---|---|
| Total debt | n/a | |
| Debt / equity | n/a | |
| Net debt / equity | n/a | |
| Debt / assets | n/a | |
| Debt / capital | n/a | |
| Debt / EBITDA | n/a | |
| Net debt / EBITDA | n/a | |
| Interest coverage (EBIT / interest) | n/a | |
| Cash interest coverage | n/a | |
| Debt payback (years of OCF) | n/a | |
| Liabilities / assets | 92.6% | 60th |
| IS credit model rating | BB+ | |
| Implied credit spread (bps) | 400 | 100th |
Efficiency
| Measure | C | Industry percentile |
|---|---|---|
| Asset turnover | n/a | |
| Fixed asset turnover | n/a | |
| Inventory turnover | n/a | |
| Receivables turnover | n/a | |
| Days sales outstanding | n/a | |
| Days inventory outstanding | n/a | |
| Days payables outstanding | n/a | |
| Cash conversion cycle (days) | n/a | |
| Capex / revenue | n/a | |
| Capex / depreciation | n/a | |
| Operating expense ratio | n/a |
Cash flow & earnings quality
| Measure | C | Industry percentile |
|---|---|---|
| Operating cash flow / net income | n/a | |
| FCF / net income | n/a | |
| FCF / operating cash flow | n/a | |
| Capex / operating cash flow | n/a | |
| Accruals ratio | n/a | |
| Sloan accruals ratio | n/a | |
| Earnings quality score (0-1) | n/a |
Scores & forensic checks
| Measure | C | Industry percentile |
|---|---|---|
| IS score | 16 | 0th |
| IS profitability | 43 | 0th |
| IS growth | 59 | 80th |
| IS value | 80 | 60th |
| IS momentum | 14 | 0th |
| IS risk (safety) | 80 | 60th |
| IS quality | 3 | 0th |
| IS balance sheet | 44 | 40th |
| IS earnings quality | 37 | 0th |
| IS cash flow | 18 | 20th |
| Piotroski F-score (0-9) | 5 | 0th |
| Altman Z-score | — | |
| Beneish M-score | — | |
| Ohlson O-score | −6.73 | 40th |
| IS credit score | 48 | 0th |
Size (TTM)
| Measure | C | Industry percentile |
|---|---|---|
| Market cap | $208.4B | 20th |
| Revenue | $174.4B | 60th |
| EBITDA | $29.2B | 20th |
| Net income | $17.8B | 20th |
| Free cash flow | n/a | |
| Total assets | $2.89T | 40th |
| Shareholders' equity | $212.0B | 60th |
| Employees | 219,000 | 80th |
Insider transactions, last 6 months
Form 4 · most recent 12| Date | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| 2026-10-01 | Von Koskull Casper Wilhelm Director |
Award / grant | 6 | $131.59 | $854 | 7,143 |
| 2026-10-01 | Von Koskull Casper Wilhelm Director |
Award / grant | 27 | $131.59 | $3,567 | 5,351 |
| 2026-10-01 | Turley James S Director |
Award / grant | 6 | $131.59 | $854 | 2,818 |
| 2026-10-01 | Turley James S Director |
Award / grant | 201 | $131.59 | $26,430 | 39,649 |
| 2026-10-01 | Taylor Diana L Director |
Award / grant | 6 | $131.59 | $854 | 1,281 |
| 2026-10-01 | Taylor Diana L Director |
Award / grant | 308 | $131.59 | $40,528 | 60,798 |
| 2026-10-01 | Reiner Gary M Director |
Award / grant | 417 | $131.59 | $54,875 | 50,148 |
| 2026-10-01 | Moulds Jonathan Paul Director |
Award / grant | 6 | $131.59 | $854 | 1,281 |
| 2026-10-01 | Moulds Jonathan Paul Director |
Award / grant | 236 | $131.59 | $31,068 | 2,273 |
| 2026-10-01 | Moulds Jonathan Paul Director |
Award / grant | 10 | $131.59 | $1,365 | 2,283 |
| 2026-10-01 | James Renee Jo Director |
Award / grant | 6 | $131.59 | $854 | 1,281 |
| 2026-10-01 | James Renee Jo Director |
Award / grant | 160 | $131.59 | $21,028 | 31,544 |
Shares acquired vs disposed, by month
acquired disposed · all Form 4 typesBy transaction type, 6 months
| Type | Direction | Filings | Shares | Value |
|---|---|---|---|---|
| Award / grant | Acquired | 36 | 3,939 | $538,554 |
| Open-market sale | Disposed | 1 | 2,117 | $265,260 |
| Tax withholding | Disposed | 1 | 85,180 | $11.3M |
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.
Form 144 notices
| Filed | Filer | Shares proposed | Est. proceeds |
|---|---|---|---|
| None on file. | |||
A Form 144 is notice of a proposed sale, not a confirmed one.
Congress trades
12 months: House 22 trades (21 purchases) · Senate 9 (5 purchases)| Traded | Member | Chamber | Type | Amount | Disclosed |
|---|---|---|---|---|---|
| 2026-09-24 | Ro Khanna | House | Purchase | $100,001 - $250,000 | 2026-10-09 |
| 2026-09-24 | Maria Elvira Salazar | House | Sale | $1,001 - $15,000 | 2026-10-08 |
| 2026-09-04 | Ro Khanna | House | Purchase | $1,001 - $15,000 | 2026-10-09 |
| 2026-06-16 | Shelley Moore Capito | Senate | Sale | $1,001 - $15,000 | 2026-07-06 |
| 2026-06-16 | Shelley Moore Capito | Senate | Sale | $1,001 - $15,000 | 2026-07-06 |
| 2026-06-02 | Ro Khanna | House | Purchase | $1,001 - $15,000 | 2026-07-08 |
| 2026-02-04 | Markwayne Mullin | Senate | Purchase | $15,001 - $50,000 | 2026-03-02 |
| 2026-01-05 | Markwayne Mullin | Senate | Purchase | $15,001 - $50,000 | 2026-02-04 |
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.
Largest 13F holders
Quarter to 2026-06-30, the latest most managers have filed| Manager | Shares | Value | % of shares out |
|---|---|---|---|
| BlackRock, Inc. | 149,509,189 | $20.9B | 8.91% |
| VANGUARD CAPITAL MANAGEMENT LLC | 107,230,182 | $15.0B | 6.39% |
| STATE STREET CORP | 77,908,419 | $10.9B | 4.64% |
| GEODE CAPITAL MANAGEMENT, LLC | 41,054,866 | $5.7B | 2.45% |
| Fisher Asset Management, LLC | 36,456,162 | $5.1B | 2.17% |
| FRANKLIN RESOURCES INC | 36,013,014 | $5.0B | 2.15% |
| Capital World Investors | 33,626,421 | $4.7B | 2.00% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 32,370,598 | $4.5B | 1.93% |
| FMR LLC | 31,648,606 | $4.4B | 1.89% |
| BANK OF AMERICA CORP /DE/ | 27,014,016 | $3.8B | 1.61% |
| JPMORGAN CHASE & CO | 25,802,543 | $3.7B | 1.54% |
| MORGAN STANLEY | 25,680,562 | $3.6B | 1.53% |
| PRICE T ROWE ASSOCIATES INC /MD/ | 23,291,300 | $3.3B | 1.39% |
| Bank of New York Mellon Corp | 22,526,186 | $3.2B | 1.34% |
| NORGES BANK | 19,279,995 | $2.7B | 1.15% |
Institutional ownership by quarter
% of shares held by 13F filers
Number of 13F filers holding
Holder changes by quarter
| Quarter | Holders | Ownership | New | Increased | Reduced | Closed |
|---|---|---|---|---|---|---|
| 2026-06-30 | 2,650 | 79.4% | 300 | 1,036 | 993 | 94 |
| 2026-03-31 | 2,474 | 78.2% | 211 | 977 | 981 | 155 |
| 2025-12-31 | 2,466 | 81.5% | 397 | 916 | 868 | 101 |
| 2025-09-30 | 2,217 | 81.1% | 279 | 790 | 859 | 96 |
| 2025-06-30 | 2,069 | 84.2% | 203 | 868 | 757 | 129 |
| 2025-03-31 | 2,029 | 85.1% | 211 | 850 | 721 | 146 |
| 2024-12-31 | 1,997 | 83.6% | 331 | 775 | 659 | 91 |
| 2024-09-30 | 1,791 | 82.5% | 144 | 704 | 702 | 126 |
| 2024-06-30 | 1,793 | 82.1% | 167 | 741 | 640 | 129 |
| 2024-03-31 | 1,783 | 81.5% | 238 | 695 | 636 | 110 |
| 2023-12-31 | 1,676 | 80.9% | 286 | 539 | 683 | 108 |
| 2023-09-30 | 1,521 | 79.7% | 112 | 556 | 655 | 173 |
Schedule 13D / 13G filers
| Filed | Form | Filer | % of class | Shares |
|---|---|---|---|---|
| None on file. | ||||
Required above 5% of a class; 13G is the passive form.
ETFs with the largest holding
| ETF | Weight in fund | Holding value |
|---|---|---|
| VITSX | 0.29% | $6.8B |
| VTI | 0.29% | $6.8B |
| VTSAX | 0.29% | $6.8B |
| VSMPX | 0.29% | $6.8B |
| VFFSX | 0.32% | $5.6B |
| VFINX | 0.32% | $5.6B |
Share structure
Shares outstanding1,677,436,783
Float1,671,847,415
Free float99.7%
Income statement
Fiscal years, USD| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $79.9B | $100.2B | $155.4B | $170.7B | $168.3B |
| Cost of revenue | $4.1B | $30.9B | $87.5B | $99.6B | $93.3B |
| Gross profit | $75.8B | $69.4B | $67.9B | $71.1B | $75.0B |
| R&D | $0 | $0 | $0 | $0 | $2.3B |
| SG&A | $26.7B | $28.3B | $30.7B | $29.7B | $39.4B |
| Operating income | $27.5B | $18.8B | $12.9B | $17.0B | $19.8B |
| EBITDA | $31.4B | $23.1B | $17.5B | $21.4B | $23.1B |
| Pretax income | $27.5B | $18.8B | $12.9B | $17.0B | $19.8B |
| Income tax | $5.5B | $3.6B | $3.5B | $4.2B | $5.4B |
| Net income | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| EPS, diluted | $10.14 | $7.00 | $4.04 | $5.95 | $6.99 |
| Diluted shares | 2.0B | 2.0B | 2.0B | 1.9B | 1.9B |
Balance sheet
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cash & short-term investments | $541.3B | $580.8B | $506.0B | $498.0B | $675.4B |
| Receivables | $54.8B | $54.5B | $54.2B | $51.1B | $62.7B |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $596.1B | $635.3B | $560.2B | $549.1B | $738.1B |
| PP&E, net | $24.3B | $26.3B | $28.7B | $30.2B | $33.3B |
| Goodwill & intangibles | $25.8B | $24.1B | $24.5B | $23.8B | $23.4B |
| Total assets | $2.29T | $2.42T | $2.41T | $2.35T | $2.66T |
| Accounts payable | $61.4B | $69.2B | $63.5B | $66.6B | $74.8B |
| Total current liabilities | $1.76T | $1.86T | $1.84T | $1.79T | $1.53T |
| Long-term debt | $254.4B | $271.6B | $286.6B | $287.3B | $315.8B |
| Total liabilities | $2.09T | $2.21T | $2.21T | $2.14T | $2.44T |
| Shareholders' equity | $202.7B | $201.8B | $206.3B | $209.4B | $213.8B |
Cash flow statement
Outflows are negative| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Net income | $21.9B | $15.1B | $9.2B | $12.7B | $14.1B |
| Depreciation & amortization | $4.0B | $4.3B | $4.6B | $4.3B | $0 |
| Stock-based compensation | $0 | $0 | $0 | $0 | $0 |
| Change in working capital | $38.9B | $19.6B | −$99.4B | −$59.0B | −$2.5B |
| Operating cash flow | $47.1B | $25.1B | −$73.4B | −$19.7B | $28.8B |
| Capital expenditure | −$4.1B | −$5.6B | −$6.6B | −$6.5B | −$6.5B |
| Free cash flow | $43.0B | $19.4B | −$80.0B | −$26.2B | $22.3B |
| Investing cash flow | −$110.7B | −$79.5B | −$8.5B | $86.2B | −$204.7B |
| Net debt issued / repaid | −$5.8B | $66.8B | −$8.8B | $17.2B | $115.4B |
| Buybacks | −$11.4B | −$3.2B | −$6.1B | −$7.5B | −$18.2B |
| Dividends paid | −$5.2B | −$5.0B | −$5.2B | −$5.2B | −$5.4B |
Ratio history
Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Gross margin | 96.0% | 69.3% | 44.2% | 41.6% | 44.6% |
| Operating margin | 34.7% | 18.7% | 8.2% | 10.0% | 11.8% |
| Net margin | 27.7% | 14.8% | 5.9% | 7.4% | 8.5% |
| FCF margin | 72.1% | 35.7% | -51.0% | -15.3% | -44.1% |
| ROE | 10.9% | 7.4% | 4.5% | 6.1% | 6.8% |
| ROIC | 16.4% | 10.7% | 3.1% | 4.3% | 5.7% |
| ROA | 1.0% | 0.6% | 0.4% | 0.5% | 0.6% |
| Debt / equity | 2.35 | 2.59 | 2.93 | 2.83 | 3.37 |
| Interest coverage | 3.9x | 0.7x | 0.2x | 0.2x | 0.2x |
| Current ratio | 0.34 | 0.34 | 0.30 | 0.31 | 0.48 |
| Revenue growth | −11.1% | +26.8% | +56.2% | +8.8% | −1.4% |
| EPS growth | +114.5% | −30.8% | −36.3% | +35.9% | +16.6% |
| P/E at year end | 4.7x | 5.3x | 10.0x | 10.4x | 15.2x |
| EV / EBITDA at year end | 1.2x | 0.9x | 10.8x | 10.5x | 10.6x |
| FCF yield at year end | 54.84% | 45.22% | -86.80% | -19.79% | -34.12% |
| Dividend payout | 23.7% | 33.7% | 56.5% | 41.0% | 37.7% |
Revenue by segment
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Markets | — | — | $18.9B | $19.8B | $22.0B |
| Services | — | — | $18.1B | $19.6B | $21.3B |
| U.S. Personal Banking | — | — | $19.2B | $20.4B | $21.0B |
| Commissions And Fees | $8.5B | $11.0B | — | — | — |
| Personal Banking and Wealth Management | — | — | $7.1B | $7.5B | $8.6B |
| Banking Segment | — | — | $4.6B | $6.2B | $8.2B |
| Institutional Clients Group | $639.0M | $538.0M | — | — | — |
| Global Consumer Banking | $260.0M | $201.0M | — | — | — |
Revenue by region · FY2025
North America$44.0B · 85%
EMEA$7.6B · 15%
Street estimates by fiscal year
Next report 2027-01-14 · consensus EPS $2.28 · these are analysts' numbers, not ours| Fiscal year | Revenue (mean) | Revenue range | EPS (mean) | EPS range | Analysts | P/E on mean EPS |
|---|---|---|---|---|---|---|
| 2026 | $96.1B | $94.1B – $96.9B | $11.32 | $10.64 – $11.67 | 11 | 11.0x |
| 2027 | $100.0B | $98.2B – $103.1B | $12.86 | $12.57 – $13.29 | 13 | 9.7x |
| 2028 | $104.4B | $101.8B – $106.7B | $14.82 | $13.85 – $15.64 | 14 | 8.4x |
Reported vs expected, every quarter on file
| Reported | EPS expected | EPS actual | EPS surprise | Revenue expected | Revenue actual | Revenue surprise |
|---|---|---|---|---|---|---|
| 2026-10-13 | $2.66 | $2.85 | +7.1% | $23.7B | $23.8B | +0.5% |
| 2026-07-14 | $2.72 | $3.15 | +15.8% | $23.7B | $24.8B | +4.3% |
| 2026-04-14 | $2.65 | $3.06 | +15.5% | $23.6B | $24.6B | +4.4% |
| 2026-01-21 | $1.80 | $1.19 | −33.9% | $20.9B | $19.9B | −5.1% |
| 2025-11-06 | $1.73 | $1.86 | +7.5% | $21.1B | $22.1B | +4.8% |
| 2025-07-15 | $1.66 | $1.96 | +18.1% | $21.0B | $21.7B | +3.2% |
| 2025-04-15 | $1.85 | $1.96 | +5.9% | $21.3B | $21.6B | +1.6% |
| 2025-01-15 | $1.21 | $1.34 | +10.7% | $19.5B | $19.6B | +0.4% |
| 2024-10-15 | $1.31 | $1.51 | +15.3% | $19.9B | $20.3B | +2.0% |
| 2024-07-12 | $1.39 | $1.52 | +9.4% | $20.1B | $20.1B | +0.4% |
| 2024-04-12 | $1.23 | $1.86 | +51.2% | $20.4B | $21.0B | +2.7% |
| 2024-01-12 | $0.73 | $0.84 | +15.1% | $18.8B | $18.8B | +0.5% |
| 2023-10-13 | $1.21 | $1.52 | +25.6% | $19.3B | $19.7B | +2.2% |
| 2023-07-14 | $1.30 | $1.37 | +5.4% | $19.3B | $19.4B | +0.9% |
| 2023-04-14 | $1.67 | $1.86 | +11.4% | $20.0B | $20.4B | +2.1% |
| 2023-01-13 | $1.14 | $1.10 | −3.5% | $18.0B | $18.0B | +0.2% |
| 2022-10-14 | $1.42 | $1.50 | +5.6% | $18.2B | $17.9B | −2.0% |
| 2022-07-15 | $1.68 | $2.30 | +36.9% | $18.4B | $19.6B | +6.6% |
| 2022-04-14 | $1.55 | $2.31 | +49.0% | $18.2B | $19.2B | +5.5% |
| 2022-01-14 | $1.38 | $1.46 | +5.8% | $18.3B | $18.3B | +0.1% |
| 2021-10-14 | $1.65 | $2.15 | +30.3% | $12.5B | $17.5B | +39.1% |
| 2021-07-14 | $1.96 | $2.63 | +34.2% | $17.6B | $17.7B | +0.7% |
| 2021-04-15 | $2.60 | $3.62 | +39.2% | $17.6B | $19.7B | +11.6% |
| 2021-01-15 | $1.34 | $2.08 | +55.2% | $12.4B | $16.5B | +32.7% |
Off-exchange (dark pool) volume, weekly
FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)| Week of | Notional | Shares | Trades |
|---|---|---|---|
| 2026-08-31 | $1.0B | 7,705,939 | 131,352 |
| 2026-08-24 | $800.3M | 6,032,118 | 121,597 |
| 2026-08-17 | $1.2B | 8,549,145 | 146,033 |
| 2026-08-10 | $955.7M | 6,942,459 | 115,725 |
| 2026-08-03 | $1.3B | 9,806,942 | 150,741 |
| 2026-07-27 | $1.4B | 10,741,584 | 155,161 |
Short-sale share of off-exchange volume
daily 20-day average| Date | Short share | Short volume | Total volume |
|---|---|---|---|
| 2026-10-15 | 36.0% | 1,497,486 | 4,162,056 |
| 2026-10-14 | 40.3% | 2,090,621 | 5,190,359 |
| 2026-10-13 | 37.3% | 3,194,021 | 8,569,497 |
| 2026-10-12 | 28.6% | 1,028,277 | 3,598,704 |
| 2026-10-09 | 30.2% | 844,686 | 2,794,741 |
| 2026-10-08 | 24.0% | 774,778 | 3,223,003 |
| 2026-10-07 | 23.5% | 724,853 | 3,089,187 |
| 2026-10-06 | 35.3% | 913,213 | 2,585,947 |
| 2026-10-05 | 25.1% | 520,326 | 2,070,726 |
| 2026-10-02 | 33.9% | 998,750 | 2,942,874 |
A daily flow measure from FINRA, not short interest.
Seasonality
Average return by calendar month| Month | Avg return | Up years | Years |
|---|---|---|---|
| Jan | −2.0% | 40% | 20 |
| Feb | −4.9% | 40% | 20 |
| Mar | +3.1% | 38% | 21 |
| Apr | +3.5% | 70% | 20 |
| May | +0.3% | 50% | 20 |
| Jun | −2.0% | 45% | 20 |
| Jul | +2.6% | 75% | 20 |
| Aug | +1.6% | 50% | 20 |
| Sep | −0.1% | 50% | 20 |
| Oct | +0.5% | 60% | 20 |
| Nov | +1.2% | 65% | 20 |
| Dec | +0.9% | 50% | 20 |
History, not a forecast.
Indicators
as of 2026-10-16RSI 1438.4
MFI41.0
ADX22.9
Stochastic %K / %D20.1 / 21.1
Williams %R-69.5
CCI-98
TSI / signal-22.0 / -16.1
Chaikin money flow0.02
ATR$3.47
Bollinger width10.8%
Volume vs 20-day avg1.04x
SupertrendDown
Moving averages and bands
level (price vs level)SMA 20$129.06 (−3.7%)
SMA 50$132.67 (−6.3%)
SMA 200$125.64 (−1.1%)
EMA 21$128.62 (−3.4%)
EMA 50$131.11 (−5.2%)
EMA 200$124.17 (+0.1%)
Bollinger upper$136.02 (−8.7%)
Bollinger lower$122.10 (+1.8%)
Parabolic SAR$132.73 (−6.4%)
Open the live chart, 110+ indicatorsAbout Citigroup Inc.
Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which offers cross-border support for clients, providing on-the-ground local market expertise, post-trade technologies, customized data solutions, and a wide range of securities services solutions that can be tailored to meet client needs. The Markets segment provides corporate, institutional, and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products, and commodities. The Banking segment offers Investment Banking and Corporate Lending services. The Wealth segment includes Private Bank, Wealth at Work, and Citigold and provides financial services to a range of client segments through banking, lending, mortgages, investment, custody, and trust product offerings. The USPB segment includes Branded Cards and Retail Services, which have proprietary card portfolios and co-branded card portfolios within Branded Cards, and co-brand and private label relationships within Retail Services. The All Other segment consists of activities not assigned to the reportable operating segments, including certain unallocated costs of global functions, other corporate expenses, and net treasury results. The company was founded in 1812 and is headquartered in New York, NY.
https://www.citigroup.com
Key executives
| Name | Title | Pay | Born |
|---|---|---|---|
| Viswas Raghavan | Executive Vice Chairman & Head of Banking | $23.5M | 1966 |
| Andrew J. Morton | Head of Markets | $12.4M | 1962 |
| Mark Mason | Executive Vice Chairman and Senior Executive Advisor to Chair & CEO | $9.4M | 1970 |
| Ernesto Torres Cantu | Head of International | $8.6M | 1964 |
| Anand Selvakesari | Chief Operating Officer | $8.2M | 1968 |
| Jane Nind Fraser | Chief Executive Officer & Chair of the Board | $7.6M | 1968 |
| Gonzalo Luchetti | Chief Financial Officer | $6.7M | 1974 |
| Jennifer Landis | Head of Investor Relations | — | — |
Executive pay, latest proxy
| Executive | Year | Salary | Stock awards | Incentive | Total |
|---|---|---|---|---|---|
| James Forese President, Citi; CEO, Institutional Clients Group | 2015 | $496,712 | $7.4M | $2.1M | $16.2M |
| Michael Corbat CEO | 2015 | $1.5M | $6.5M | $586,393 | $14.6M |
| Stephen Bird CEO, Global Consumer Banking | 2015 | $500,273 | $3.9M | $974,873 | $9.3M |
| John Gerspach CFO | 2015 | $500,000 | $4.0M | $430,021 | $8.3M |
| Don Callahan Head of Operations & Technology | 2015 | $500,000 | $3.8M | $586,393 | $7.6M |
Employees
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| 2026-08-03 | $0.67 | 2026-08-28 |
| 2026-05-04 | $0.6 | 2026-05-22 |
| 2026-02-02 | $0.6 | 2026-02-27 |
| 2025-11-03 | $0.6 | 2025-11-26 |
| 2025-08-04 | $0.6 | 2025-08-22 |
| 2025-05-05 | $0.56 | 2025-05-23 |
| 2025-02-03 | $0.56 | 2025-02-28 |
| 2024-11-04 | $0.56 | 2024-11-22 |
Moat model
Weak · Efficient Scale · 2026-06-30Cost advantage43
Intangibles44
Switching costs12
Network effect60
Efficient scale80
Our component scores (0-100) and overall 43.6; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17