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Citigroup Inc.
CFinancialsGenerated Jul 5, 2026, 08:51 PM UTC
C (Citigroup Inc.) analytical snapshot. Revenue grew +3.6% YoY to $78.07B. 5-year revenue CAGR +0.8%; 10y CAGR +0.1%. Net margin at 11.82% (contracting ▼). Market cap $244.85B at $139.97 per share. Trailing P/E 34.65, P/S 3.14, P/B 1.15. EV/Operating income ≈ 40.37 (EV $372.57B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -11 (data confidence 81%). Descriptive analytics from public filings — not investment advice.
Market cap
$244.85B
1.75B shares
Price
$139.97
NYQ
P/E (ttm)
34.65
Revenue (FY)
$78.07B
YoY +3.6%
Net margin
11.82%
▼ 2.81pp
Free cash flow
-$80.00B
-102.48% margin
Risk level
Elevated
Free SEC analysis
— computed from SEC filings, free to readFree previewFundamentals Analyst
Fundamentals
Fundamentals Analyst
score -45Deteriorating
80% conf
Revenue grew +3.6% YoY to $78.07B. 5-year revenue CAGR +0.8%; 10y CAGR +0.1%. Net margin at 11.82% (contracting ▼).
- Revenue grew +3.6% YoY to $78.07B.
- 5-year revenue CAGR +0.8%; 10y CAGR +0.1%.
- Net margin at 11.82% (contracting ▼).
- Return on equity 4.42%, ROA 0.38%, ROIC 1.86%.
- Gross margin 0.00%, operating margin 11.82%.
- Free cash flow margin -102.48% (-$80.00B).
- Net income down ▼ +37.8% YoY.
- Debt/equity 1.49, current ratio —, net debt $127.72B.
- Asset turnover 0.03 — capital efficiency.
Revenue (FY)
$78.07B
YoY +3.6%
Net margin
11.82%
▼ 2.81pp
ROE
4.42%
ROA 0.38%
ROIC
1.86%
EPS (diluted)
$4.04
FY2025
Free cash flow
-$80.00B
-102.48% margin
Debt / equity
1.49
Cash $188.10B
Current ratio
—
Equity $212.29B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | $77.22B | — | 0.00 | 9.47 | 9.47 | — | 3.29 |
| 2017 | $76.35B | -1.1% | 0.00 | 22.65 | 22.58 | — | 7.66 |
| 2018 | $70.80B | -7.3% | 0.00 | 21.14 | 21.06 | — | 7.43 |
| 2019 | $72.44B | +2.3% | 0.00 | -9.23 | -9.38 | — | -3.46 |
| 2020 | $72.85B | +0.6% | 0.00 | 24.78 | 24.77 | $33.18B | 9.34 |
| 2021 | $75.07B | +3.0% | 0.00 | 25.85 | 25.84 | -$18.17B | 9.73 |
| 2022 | $75.50B | +0.6% | 0.00 | 14.66 | 14.63 | -$26.93B | 5.47 |
| 2023 | $71.88B | -4.8% | 0.00 | 30.53 | 30.54 | $42.97B | 10.91 |
| 2024 | $75.34B | +4.8% | 0.00 | 20.01 | 19.70 | $19.44B | 7.23 |
| 2025 | $78.07B | +3.6% | 0.00 | 11.82 | 11.82 | -$80.00B | 4.42 |
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Sep 30, 2024 | $20.21B | -66.9% | — | 48.62% |
| Mar 31, 2025 | $21.60B | +2.3% | +6.9% | 18.82% |
| Jun 30, 2025 | $43.26B | +4.9% | +100.3% | 18.68% |
| Jun 30, 2025 | $21.67B | -47.5% | -49.9% | 37.30% |
| Sep 30, 2025 | $65.35B | +6.2% | +201.6% | 18.11% |
| Sep 30, 2025 | $22.09B | -64.1% | -66.2% | 53.58% |
Revenue (annual, SEC 10-K)
2016: 77,219
2017: 76,354
2018: 70,797
2019: 72,444
2020: 72,854
2021: 75,067
2022: 75,501
2023: 71,884
2024: 75,338
2025: 78,066
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
GrossOperatingNet
Free cash flow (annual)
2016: 0
2017: 0
2018: 0
2019: 0
2020: 33,178
2021: -18,173
2022: -26,934
2023: 42,971
2024: 19,437
2025: -79,999
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst
Filings & Ownership
Regulatory Analyst
score 25Improving
80% conf
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.
Latest 10-K
—
Latest 10-Q
—
8-K (recent)
0
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
20
Recent 13F institutional filers (SEC EDGAR full-text)
| 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 cees Trustee LTD | 13F-HR | Aug 14, 2009 |
Free previewSEC Filing Analyst
SEC Filing Deep-Analysis
SEC Filing Analyst
score -45Deteriorating
62% conf
3 risk signal(s) detected from XBRL filing diff analysis. Free cash flow declined despite stable or rising capex, indicating the cash burn is operational rather than investment-driven. This is a structural concern — cost reduction or asset sales may be needed to restore FCF.
- Free cash flow deteriorating: FCF declined +511.6% YoY (from $19.44B to $-80.00B). With OCF at $-73.42B and capex at $6.58B, cash generation capacity is weakening — monitor for dividend/buyback sustainability.
- Going concern doubt: The term "going concern" appears in 21 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Material weakness in internal controls: The term "material weakness" appears in 19 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Endogenous analysis: Free cash flow declined despite stable or rising capex, indicating the cash burn is operational rather than investment-driven. This is a structural concern — cost reduction or asset sales may be needed to restore FCF.
- Endogenous analysis: The combination of explicit "going concern" language in the filing with deteriorating cash flow or rising leverage is a severe warning signal — the company's own auditors have flagged doubt about the ability to continue as a going concern.
- 20 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- Ongoing high-severity risk language: Going concern doubt, Material weakness in internal controls.
Revenue
$78.07B
+3.6% YoY
Operating income
$9.23B
-38.8% YoY
Net income
$9.23B
-37.8% YoY
Operating cash flow
$-73.42B
-392.9% YoY
Capex
$6.58B
+16.9% YoY
Total assets
$2.41T
-0.2% YoY
Total liabilities
$2.14T
-2.8% YoY
Long-term debt
$287.30B
+0.2% YoY
Filing quality score
75/100
20 new disclosures
SEC XBRL metric changes (latest annual vs prior)
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $75.34B | $78.07B | $2.73B | +3.6% |
| Operating income | $15.08B | $9.23B | $-5.85B | -38.8% |
| Net income | $14.85B | $9.23B | $-5.62B | -37.8% |
| Operating cash flow | $25.07B | $-73.42B | $-98.48B | -392.9% |
| Capex | $5.63B | $6.58B | $951.0M | +16.9% |
| Total assets | $2.42T | $2.41T | $-5.00B | -0.2% |
| Total liabilities | $2.21T | $2.14T | $-62.00B | -2.8% |
| Long-term debt | $286.62B | $287.30B | $681.0M | +0.2% |
| Cash & equivalents | — | $133.10B | — | — |
| Stockholders equity | $205.45B | $208.60B | $3.15B | +1.5% |
| Interest expense | $13.34B | $7.98B | $-5.36B | -40.2% |
XBRL disclosure changes (new vs dropped concepts)
| Type | Concepts |
|---|---|
| Added | DebtSecuritiesAvailableForSaleRealizedGainLoss, DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss, EffectiveIncomeTaxRateReconciliationCrossBorderOtherAmount, EffectiveIncomeTaxRateReconciliationCrossBorderOtherPercent, EffectiveIncomeTaxRateReconciliationGiltiAmount, EffectiveIncomeTaxRateReconciliationGiltiPercent, EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther, EffectiveIncomeTaxRateReconciliationTaxContingencies, EffectiveIncomeTaxRateReconciliationTaxCreditsForeign, EffectiveIncomeTaxRateReconciliationTaxCreditsOther |
| Removed | CashDivestedFromDeconsolidation, ClosedPortfolioAndBeneficialInterestLastOfLayerAmortizedCost, DefinedBenefitPlanActuarialGainLoss, DerivativeAssetFairValueOffsetAgainstCollateralNetOfNotSubjectToMasterNettingArrangementPolicyElection, DerivativeLiabilityFairValueOffsetAgainstCollateralNetOfNotSubjectToMasterNettingArrangementPolicyElection, DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss, EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance, EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential, EffectiveIncomeTaxRateReconciliationNondeductibleExpense, EffectiveIncomeTaxRateReconciliationOtherAdjustments |
Risk language in filing text (EDGAR full-text search)
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 21 | 2 | Ongoing |
| Material weakness in internal controls | high | 19 | 2 | Ongoing |
| Impairment charge | medium | 51 | 4 | Ongoing |
| Restructuring | medium | 144 | 10 | Ongoing |
| Off-balance sheet arrangements | medium | 101 | 8 | Ongoing |
| Related party transactions | low | 25 | 2 | Ongoing |
Filing signal breakdown
Red flags: 3
Positive: 0
Watch: 0
Red flags
Positive
Watch
Unlock the rest
- ProValuationMarket cap $244.85B at $139.97 per share.
- ProPrice & TechnicalsPrice $139.97 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Elevated.
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3 sections free · 4 Pro sections locked · composite -11
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.
Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%
Analytical read
deterministic previewPrice $139.97 — uptrend (above 200-DMA); 1-month momentum positive..
Risk
Elevated
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Peer comparison
Rate-sensitive groupHow C stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| JPMorgan Chase & Co. JPM | 16 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| NextEra Energy NEE | 0 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Exelon Corp. EXC | -3 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| American International Group AIG | -5 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C● you | -11 | Neutral |
| Moody's Corp. MCO | -13 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -35 | Neutral |
| Southern Company SO | — | Neutral |
| Truist Financial TFC | — | Neutral |