C
SP100NYSECitigroup Inc.
Financial Services · Banks - Diversified · United States
Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
www.citigroup.com ↗Shares trade at a moderate 17.3× trailing earnings, easing to 11.1× on forward estimates. Profitability shows a net margin of 20.4% and return on equity of 7.6%. Debt/equity stands at 3.84×. Revenue grew 15.9% year-on-year. It yields 1.7% in dividends. The mean analyst target of USD149.78 sits 7.0% above the current price (Buy, 20 analysts).
business model
Citigroup is a global, universal bank offering consumer banking, credit cards, institutional/corporate banking, markets (trading), and transaction/treasury services across a broad international footprint. It earns net interest income from lending and deposits and fee income from banking, cards, services, and markets activities.
revenue segments
Following its reorganization, key segments include Services (Treasury and Trade Solutions and Securities Services), Markets (fixed income and equities trading), Banking (investment and corporate banking), US Personal Banking (branded cards, retail services, and retail banking), and Wealth. Citi is divesting several international consumer franchises.
key dependencies
Citi depends on global interest rates and credit conditions, credit-card and consumer loan performance, corporate transaction and trading volumes, its uniquely global network for cross-border payments and trade, and successful execution of its multi-year restructuring and regulatory remediation.
competitors
Competitors include the other US megabanks JPMorgan, Bank of America, and Wells Fargo; global investment banks Goldman Sachs and Morgan Stanley in markets; and HSBC and Standard Chartered in cross-border/international banking and transaction services.
moat
Citi's moat is anchored by its globally integrated Treasury and Trade Solutions network serving multinational corporations, scale in credit cards, entrenched institutional client relationships, and regulatory barriers to entry for a global systemically important bank.
risks
Risks include credit losses in a downturn, interest-rate and macro sensitivity, ongoing regulatory consent orders and elevated compliance/technology spending, execution risk in its restructuring and consumer-business exits, and exposure to emerging-market and geopolitical volatility.
Financials & metrics
as of 26 Aug 2026Price is closer to the high end of its range. Green = nearer the yearly low, red = nearer the high — a position indicator, not a buy/sell signal.
Tap any metric for an explanation.● provider● computedN/A not available from source
Valuation history is being recorded
We snapshot P/E and price targets daily. This chart fills in over the coming days.
Full financial statements
Income statement
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total revenue | $85.21B | $80.67B | $78.09B | $74.48B | — |
| Interest expense | $83.07B | $89.62B | $78.36B | $25.74B | — |
| Pretax income | $19.83B | $17.05B | $12.91B | $18.81B | — |
| Tax provision | $5.37B | $4.21B | $3.53B | $3.64B | — |
| Net income | $14.31B | $12.68B | $9.23B | $14.85B | — |
| Diluted EPS | $6.99 | $5.94 | $4.04 | $7.00 | — |
Balance sheet
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total assets | $2.66T | $2.35T | $2.41T | $2.42T | — |
| Cash & equivalents | $349.58B | $276.53B | $260.93B | $342.02B | — |
| Total liabilities | $2.44T | $2.14T | $2.21T | $2.21T | — |
| Total debt | $367.70B | $335.81B | $324.08B | $318.70B | — |
| Long-term debt | $315.83B | $287.30B | $286.62B | $271.61B | — |
| Shareholders' equity | $212.29B | $208.60B | $205.45B | $201.19B | — |
| Retained earnings | $215.13B | $206.29B | $198.91B | $194.73B | — |
Cash flow
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating cash flow | -$67.63B | -$19.67B | -$73.42B | $25.07B | — |
| Investing cash flow | -$108.28B | $86.25B | -$8.46B | -$79.45B | — |
| Financing cash flow | $238.03B | -$38.30B | $687.00M | $137.76B | — |
| Capital expenditure | -$6.52B | -$6.50B | -$6.58B | -$5.63B | — |
| Free cash flow | -$74.15B | -$26.17B | -$80.00B | $19.44B | — |
| Dividends paid | -$5.37B | -$5.20B | -$5.21B | -$5.00B | — |
| Share buybacks | -$18.25B | -$7.52B | -$6.12B | -$3.25B | — |
| End cash position | $349.58B | $276.53B | $260.93B | $342.02B | — |
Reported figures from public filings via Yahoo Finance. Line coverage varies by company. Not investment advice.
Dividends
Analyst assessment
as of 26 Aug 2026Aggregate consensus only. Named per-analyst targets require a premium source and are not shown; the data model is ready to hold them if one is added.
Technicals
as of 26 Aug 2026News
Sector peers
Notes & alerts
Sign in to keep a private research note and set price alerts for C.