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Citigroup Inc.
CFinancialsGenerated Aug 19, 2026, 10:31 PM UTC
C (Citigroup Inc.) analytical snapshot. Revenue grew +5.0% YoY to $85.22B. 5-year revenue CAGR +3.5%; 10y CAGR +2.2%. Net margin at 16.79% (contracting ▼). Market cap $232.47B at $132.89 per share. Trailing P/E 19.01, P/S 2.73, P/B 1.10. EV/Operating income ≈ 25.17 (EV $360.19B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -5 (data confidence 81%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Recent insider Form 4s: 0 buy vs 0 sell transactions. ~10,000+ recent 13F-HR filings reference Citigroup Inc.; broad institutional reporting. Recent filers include MM Capital LLC, RBC cees Trustee LTD, RBC cees Trustee LTD.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference Citigroup Inc.; broad institutional reporting.
- Recent filers include MM Capital LLC, RBC cees Trustee LTD, RBC cees Trustee LTD.
- 20 recent 13D activist/beneficial-ownership filings — potential catalyst.
| Filer | Form | Filed |
|---|---|---|
| MM Capital LLC | 13F-HR | Feb 16, 2010 |
| RBC cees Trustee LTD | 13F-HR | May 6, 2009 |
| RBC cees Trustee LTD | 13F-HR | Nov 12, 2009 |
| RBC TRUSTEES (C.I.) LTD | 13F-HR | Feb 13, 2009 |
| RBC TRUSTEES (C.I.) LTD | 13F-HR | Nov 14, 2008 |
SEC Filing Deep-Analysis
1 risk signal(s) detected from XBRL filing diff analysis. 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- NEW: Restatement of financial statements in latest filing: The term "restatement of" "previously issued" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 2 filing(s).
- Endogenous analysis: 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 20 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 1 new risk-language term(s) detected in filing text: Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $81.14B | $85.22B | $4.09B | +5.0% |
| Operating income | $12.68B | $14.31B | $1.63B | +12.8% |
| Net income | $12.68B | $14.31B | $1.62B | +12.8% |
| Operating cash flow | $-19.67B | $-67.63B | $-47.96B | -243.9% |
| Capex | $6.50B | $6.52B | $20.0M | +0.3% |
| Total assets | $2.35T | $2.66T | $304.26B | +12.9% |
| Total liabilities | $2.14T | $2.44T | $299.80B | +14.0% |
| Long-term debt | $287.30B | $315.83B | $28.53B | +9.9% |
| Cash & equivalents | $276.53B | $349.58B | $73.05B | +26.4% |
| Stockholders equity | $208.60B | $212.29B | $3.69B | +1.8% |
| Interest expense | $25.74B | $78.36B | $52.62B | +204.4% |
| Type | Concepts |
|---|---|
| Added | DebtSecuritiesAvailableForSaleRealizedGainLoss, DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss, EffectiveIncomeTaxRateReconciliationCrossBorderOtherAmount, EffectiveIncomeTaxRateReconciliationCrossBorderOtherPercent, EffectiveIncomeTaxRateReconciliationGiltiAmount, EffectiveIncomeTaxRateReconciliationGiltiPercent, EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther, EffectiveIncomeTaxRateReconciliationTaxContingencies, EffectiveIncomeTaxRateReconciliationTaxCreditsForeign, EffectiveIncomeTaxRateReconciliationTaxCreditsOther |
| Removed | CashDivestedFromDeconsolidation, ClosedPortfolioAndBeneficialInterestLastOfLayerAmortizedCost, DefinedBenefitPlanActuarialGainLoss, DerivativeAssetFairValueOffsetAgainstCollateralNetOfNotSubjectToMasterNettingArrangementPolicyElection, DerivativeLiabilityFairValueOffsetAgainstCollateralNetOfNotSubjectToMasterNettingArrangementPolicyElection, DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss, EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance, EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential, EffectiveIncomeTaxRateReconciliationNondeductibleExpense, EffectiveIncomeTaxRateReconciliationOtherAdjustments |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Restatement of financial statements | high | 2 | 0 | NEW |
| Impairment charge | medium | 5 | 3 | Ongoing |
| Restructuring | medium | 5 | 8 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 8 | Ongoing |
| Related party transactions | low | 5 | 2 | Ongoing |
Fundamentals
Revenue grew +5.0% YoY to $85.22B. 5-year revenue CAGR +3.5%; 10y CAGR +2.2%. Net margin at 16.79% (contracting ▼).
- Revenue grew +5.0% YoY to $85.22B.
- 5-year revenue CAGR +3.5%; 10y CAGR +2.2%.
- Net margin at 16.79% (contracting ▼).
- Return on equity 6.74%, ROA 0.54%, ROIC 2.71%.
- Gross margin 0.00%, operating margin 16.79%.
- Free cash flow margin -87.01% (-$74.15B).
- Net income up ▲ +12.8% YoY.
- Debt/equity 1.49, current ratio —, net debt $127.72B.
- Asset turnover 0.03 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $81.14B | +3.4% | 0.00 | 15.63 | 15.63 | -$26.17B | 6.08 |
| 2025 | $85.22B | +5.0% | 0.00 | 16.79 | 16.79 | -$74.15B | 6.74 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Mar 31, 2024 | $21.02B | -2.0% | — | 16.04% |
| Jun 30, 2024 | $20.03B | +3.1% | -4.7% | 16.06% |
| Sep 30, 2024 | $20.21B | +0.3% | +0.9% | 16.02% |
| Mar 31, 2025 | $21.60B | +2.8% | +6.9% | 18.82% |
| Jun 30, 2025 | $21.67B | +8.2% | +0.3% | 18.55% |
| Sep 30, 2025 | $22.09B | +9.3% | +1.9% | 16.99% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $232.47B at $132.89 per share. Trailing P/E 19.01, P/S 2.73, P/B 1.10. EV/Operating income ≈ 25.17 (EV $360.19B).
- Market cap $232.47B at $132.89 per share.
Price & Technicals
Price $132.89 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 51.35.
- Price $132.89 — uptrend (above 200-DMA); 1-month momentum positive.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.71%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Elevated. Leverage debt/equity 1.49 (moderate). Earnings stability: net-margin stdev 18.35pp over 19y.
- Composite risk: Elevated.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Citigroup Inc. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewMarket regime: Risk-on · Supportive..
Peer comparison
Rate-sensitive groupHow C stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Allstate Corp. ALL | 30 | Neutral |
| Visa Inc. V | 24 | Neutral |
| CME Group Inc. CME | 23 | Neutral |
| Capital One Financial COF | 21 | Neutral |
| Charles Schwab Corp. SCHW | 19 | Neutral |
| American Express Co. AXP | 16 | Neutral |
| Simon Property Group SPG | 15 | Neutral |
| Digital Realty Trust DLR | 13 | Neutral |
| Mastercard Inc. MA | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Travelers Cos. TRV | 10 | Neutral |
| Chubb Ltd. CB | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| JPMorgan Chase & Co. JPM | 7 | Neutral |
| Welltower Inc. WELL | 6 | Neutral |
| Dominion Energy D | 4 | Neutral |
| Bank of America Corp. BAC | 3 | Neutral |
| Moody's Corp. MCO | 2 | Neutral |
| PNC Financial Services PNC | 2 | Neutral |
| Wells Fargo & Co. WFC | 1 | Neutral |
| BlackRock Inc. BLK | 1 | Neutral |
| American Tower Corp. AMT | 0 | Neutral |
| American Electric Power AEP | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Truist Financial TFC | -1 | Neutral |
| American Water Works AWK | -2 | Neutral |
| Equinix Inc. EQIX | -4 | Neutral |
| Goldman Sachs Group GS | -4 | Neutral |
| Prologis Inc. PLD | -5 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| Public Storage PSA | -5 | Neutral |
| Citigroup Inc. C● you | -5 | Neutral |
| Realty Income Corp. O | -6 | Neutral |
| Equity Residential EQR | -10 | Neutral |
| NextEra Energy NEE | -13 | Neutral |
| Duke Energy Corp. DUK | -14 | Neutral |
| Southern Company SO | -14 | Neutral |
| Exelon Corp. EXC | -14 | Neutral |
| Morgan Stanley MS | -14 | Neutral |
| S&P Global SPGI | -19 | Neutral |
| Crown Castle Inc. CCI | -21 | Neutral |
| American International Group AIG | -23 | Neutral |