NYSE : C
Citigroup Inc. — Financial statements
Financials · Banks - Diversified · United States
Last price 125.76 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 208.16B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 148.59B | 142.86B | 143.71B | 133.26B | 74.41B | 50.48B |
| Interest Paid on Deposits | 83.08B | 83.07B | 89.62B | 78.36B | 25.74B | 7.98B |
| Net Interest Income | 65.51B | 59.79B | 54.09B | 54.90B | 48.67B | 42.49B |
| Trust Income | 4.81B | 4.41B | 4.13B | 3.78B | 3.78B | 3.94B |
| Income From Trading Activities | 10.21B | 10.23B | 11.11B | 8.28B | 14.16B | 10.15B |
| Gain (Loss) on Sale of Assets | -1.38B | -1.38B | 1.41B | 59.00M | ||
| Gain (Loss) on Sale of Investments | 144.00M | 107.00M | -152.00M | -115.00M | -460.00M | 459.00M |
| Other Non-Interest Income | 13.82B | 12.05B | 11.49B | 9.83B | 9.10B | 14.84B |
| Total Non-Interest Income | 27.61B | 25.42B | 26.58B | 23.19B | 26.64B | 29.39B |
| Revenues Before Loan Losses | 93.12B | 85.21B | 80.67B | 78.09B | 75.31B | 71.89B |
| Provision for Loan Losses | 9.82B | 9.50B | 9.73B | 7.79B | 4.75B | -3.10B |
| Revenue | 83.30B | 75.72B | 70.95B | 70.30B | 70.56B | 74.99B |
| Salaries and Employee Benefits | 29.11B | 27.78B | 26.77B | 27.41B | 24.82B | 23.45B |
| Occupancy Expenses | 1.50B | 1.47B | 1.39B | 1.46B | 1.27B | 1.24B |
| Selling, General & Administrative | 15.21B | 15.46B | 14.98B | 15.45B | 15.51B | 12.08B |
| Other Non-Interest Expense | 10.82B | 10.47B | 10.50B | 12.31B | 10.21B | 10.75B |
| Total Non-Interest Expense | 56.64B | 55.18B | 53.64B | 56.63B | 51.81B | 47.52B |
| EBT Excluding Unusual Items | 26.66B | 20.54B | 17.30B | 13.68B | 18.75B | 27.47B |
| Other Unusual Items | 3.00M | 3.00M | 3.00M | 16.00M | 22.00M | -1.00M |
| Pretax Income | 26.66B | 19.83B | 17.05B | 12.91B | 18.81B | 27.47B |
| Income Tax Expense | 6.76B | 5.37B | 4.21B | 3.53B | 3.64B | 5.45B |
| Earnings From Continuing Operations | 19.91B | 14.46B | 12.84B | 9.38B | 15.16B | 22.02B |
| Earnings From Discontinued Operations | -2.00M | -3.00M | -2.00M | -1.00M | -231.00M | 7.00M |
| Minority Interest in Earnings | -572.00M | -146.00M | -151.00M | -153.00M | -89.00M | -73.00M |
| Net Income | 19.33B | 14.31B | 12.68B | 9.23B | 14.85B | 21.95B |
| Preferred Dividends & Other Adjustments | 1.47B | 1.28B | 1.22B | 1.38B | 1.15B | 1.19B |
| Net Income to Common | 17.86B | 13.02B | 11.46B | 7.85B | 13.70B | 20.76B |
| Basic Shares Outstanding | 1.72B | 1.83B | 1.90B | 1.93B | 1.95B | 2.03B |
| Diluted Shares Outstanding | 1.76B | 1.87B | 1.94B | 1.96B | 1.96B | 2.05B |
| EPS (Basic) | 10.38 | 7.11 | 6.03 | 4.07 | 7.04 | 10.21 |
| EPS (Diluted) | 10.20 | 6.99 | 5.94 | 4.04 | 7.00 | 10.14 |
| Dividend Per Share | 2.47 | 2.32 | 2.18 | 2.08 | 2.04 | 2.04 |
| Effective Tax Rate | 25.35% | 27.10% | 24.70% | 27.33% | 19.36% | 19.84% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 23.45B | 325.16B | 256.99B | 241.91B | 325.05B | 248.61B |
| Investment Securities | 1.22T | 695.77B | 647.00B | 753.61B | 788.61B | 740.80B |
| Trading Asset Securities | 635.08B | 308.32B | 249.46B | 214.60B | 200.58B | 198.12B |
| Mortgage-Backed Securities | 104.65B | 103.72B | 111.17B | 103.37B | 99.31B | |
| Total Investments | 1.85T | 1.11T | 1.00T | 1.08T | 1.09T | 1.04T |
| Gross Loans | 819.71B | 753.33B | 695.46B | 690.28B | 658.02B | 668.54B |
| Allowance for Loan Losses | -20.09B | -19.25B | -18.57B | -18.14B | -16.97B | -16.45B |
| Other Adjustments to Gross Loans | -1.10B | -969.00M | -917.00M | -797.00M | -770.00M | |
| Net Loans | 799.61B | 732.98B | 675.91B | 671.22B | 640.25B | 651.31B |
| Property, Plant & Equipment | 34.08B | 33.34B | 30.19B | 28.75B | 26.25B | 24.33B |
| Goodwill | 19.07B | 19.10B | 19.30B | 20.10B | 19.69B | 21.30B |
| Other Intangible Assets | 4.14B | 3.52B | 3.73B | 3.73B | 3.76B | 4.09B |
| Accrued Interest Receivable | 5.00B | 5.00B | 5.00B | 5.00B | ||
| Other Receivables | 102.77B | 62.68B | 50.84B | 53.91B | 54.19B | 54.34B |
| Restricted Cash | 36.92B | 26.74B | 22.92B | 18.78B | 13.42B | |
| Other Current Assets | 228.82B | 193.29B | 197.16B | 133.53B | 133.83B | |
| Long-Term Deferred Tax Assets | 34.83B | 34.77B | 35.48B | 33.42B | 29.81B | |
| Other Real Estate Owned & Foreclosed | 68.00M | 22.00M | 18.00M | 36.00M | 15.00M | 27.00M |
| Other Long-Term Assets | 107.53B | 66.09B | 55.98B | 52.23B | 64.17B | 72.12B |
| Total Assets | 2.94T | 2.66T | 2.35T | 2.41T | 2.42T | 2.29T |
| Accrued Expenses | 120.44B | 74.84B | 66.60B | 63.54B | 69.22B | 61.43B |
| Interest Bearing Deposits | 1.30T | 1.01T | 1.08T | 1.11T | 1.15T | 1.06T |
| Institutional Deposits | 189.90B | |||||
| Non-Interest Bearing Deposits | 206.49B | 208.65B | 207.69B | 201.08B | 217.84B | 255.82B |
| Total Deposits | 1.51T | 1.40T | 1.28T | 1.31T | 1.37T | 1.32T |
| Short-Term Borrowings | 471.69B | 458.19B | 351.56B | 366.24B | 309.46B | 274.77B |
| Current Portion of Long-Term Debt | 43.85B | 7.00B | 4.30B | 5.30B | ||
| Current Portion of Leases | 718.00M | |||||
| Other Current Liabilities | 212.63B | 105.22B | 86.23B | 105.84B | 113.07B | 106.01B |
| Long-Term Debt | 345.79B | 267.34B | 277.18B | 273.50B | 262.70B | 247.34B |
| Federal Home Loan Bank Debt, Long-Term | 3.00B | 8.50B | 4.50B | 3.00B | ||
| Long-Term Leases | 2.44B | 3.01B | 2.97B | 3.08B | 3.12B | |
| Trust Preferred Securities | 1.63B | 1.62B | 1.61B | 1.61B | 1.73B | |
| Long-Term Deferred Tax Liabilities | 5.29B | 4.92B | 5.88B | 5.75B | 5.02B | |
| Other Long-Term Liabilities | 73.61B | 77.27B | 59.49B | 65.81B | 76.71B | 66.78B |
| Total Liabilities | 2.73T | 2.44T | 2.14T | 2.21T | 2.21T | 2.09T |
| Preferred Stock, Redeemable | 18.05B | 20.05B | 17.85B | 17.60B | 16.75B | 16.75B |
| Preferred Stock, Convertible | 2.25B | 2.25B | ||||
| Total Preferred Equity | 18.05B | 20.05B | 17.85B | 17.60B | 19.00B | 19.00B |
| Common Stock | 31.00M | 31.00M | 31.00M | 31.00M | 31.00M | 31.00M |
| Additional Paid-In Capital | 107.45B | 108.45B | 109.12B | 108.95B | 108.46B | 108.00B |
| Retained Earnings | 227.73B | 215.13B | 206.29B | 198.91B | 194.73B | 184.95B |
| Treasury Stock | -102.42B | -89.47B | -76.84B | -75.24B | -73.97B | -71.24B |
| Comprehensive Income & Other | -41.44B | -41.90B | -47.85B | -44.80B | -47.06B | -38.77B |
| Total Common Equity | 191.36B | 192.24B | 190.75B | 187.85B | 182.19B | 182.98B |
| Minority Interest | 2.37B | 1.53B | 768.00M | 798.00M | 649.00M | 700.00M |
| Shareholders' Equity | 211.78B | 213.82B | 209.37B | 206.25B | 201.84B | 202.67B |
| Total Liabilities & Equity | 2.94T | 2.66T | 2.35T | 2.41T | 2.42T | 2.29T |
| Total Debt | 817.48B | 777.18B | 641.87B | 655.84B | 584.14B | 532.26B |
| Net Cash (Debt) | 583.77B | 212.50B | 138.64B | 146.38B | 306.89B | 241.75B |
| Net Cash Per Share | 331.91 | 113.45 | 71.46 | 74.84 | 156.23 | 117.96 |
| Filing Date Shares Outstanding | 1.66B | 1.75B | 1.88B | 1.91B | 1.94B | 1.98B |
| Total Common Shares Outstanding | 1.66B | 1.75B | 1.88B | 1.90B | 1.94B | 1.98B |
| Book Value Per Share | 115.61 | 110.01 | 101.62 | 98.71 | 94.06 | 92.21 |
| Tangible Book Value | 168.15B | 169.62B | 167.71B | 164.03B | 158.74B | 157.59B |
| Tangible Book Value Per Share | 101.59 | 97.06 | 89.35 | 86.19 | 81.95 | 79.41 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 14.31B | 12.68B | 9.23B | 14.85B | 21.95B | |
| Depreciation & Amortization | 4.37B | 4.31B | 4.56B | 4.26B | 3.96B | |
| Gain (Loss) on Sale of Assets | 1.35B | -1.46B | -762.00M | 700.00M | ||
| Gain (Loss) on Sale of Investments | -130.00M | 103.00M | 135.00M | 432.00M | -459.00M | |
| Total Asset Writedown | 726.00M | 535.00M | ||||
| Provision for Credit Losses | 10.27B | 10.11B | 9.19B | 5.24B | -3.78B | |
| Change in Trading Asset Securities | -94.56B | -31.17B | -77.84B | -2.27B | 43.06B | |
| Change in Other Net Operating Assets | -4.42B | -13.81B | -14.81B | 3.70B | -19.75B | |
| Other Operating Activities | 598.00M | -1.75B | -2.26B | -1.05B | 1.49B | |
| Net Cash from Discontinued Operations | 3.00M | 2.00M | 1.00M | 231.00M | -7.00M | |
| Operating Cash Flow | -67.63B | -19.67B | -73.42B | 25.07B | 47.09B | |
| Capital Expenditures | -6.52B | -6.50B | -6.58B | -5.63B | -4.12B | |
| Sale of Property, Plant and Equipment | 62.00M | 222.00M | 56.00M | 63.00M | 190.00M | |
| Investment in Securities | -33.41B | 105.86B | 38.35B | -66.95B | -107.01B | |
| Divestitures | -1.39B | 5.74B | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -70.58B | -15.84B | -39.72B | -11.88B | 1.75B | |
| Other Investing Activities | 2.17B | 2.51B | 835.00M | -791.00M | -1.55B | |
| Investing Cash Flow | -108.28B | 86.25B | -8.46B | -79.45B | -110.75B | |
| Short-Term Debt Issued | 96.72B | 11.05B | 75.66B | 30.28B | ||
| Long-Term Debt Issued | 122.03B | 99.08B | 65.82B | 104.75B | 70.66B | |
| Total Debt Issued | 218.75B | 110.12B | 141.48B | 135.03B | 70.66B | |
| Short-Term Debt Repaid | -23.35B | -9.64B | -9.78B | |||
| Long-Term Debt Repaid | -103.32B | -92.96B | -64.96B | -57.09B | -74.95B | |
| Total Debt Repaid | -103.32B | -116.31B | -74.60B | -57.09B | -84.73B | |
| Net Debt Issued (Repaid) | 115.42B | -6.19B | 66.88B | 77.94B | -14.07B | |
| Repurchase of Common Stock | -14.03B | -2.93B | -2.31B | -3.59B | -7.94B | |
| Preferred Stock Issued | 7.19B | 5.28B | 2.74B | 3.30B | ||
| Preferred Share Repurchases | -5.00B | -5.05B | -4.14B | -3.79B | ||
| Total Dividends Paid | -5.37B | -5.20B | -5.21B | -5.00B | -5.20B | |
| Net Increase (Decrease) in Deposit Accounts | 137.94B | -24.22B | -57.27B | 68.42B | 44.97B | |
| Other Financing Activities | 1.88B | |||||
| Financing Cash Flow | 238.03B | -38.30B | 687.00M | 137.76B | 17.27B | |
| Foreign Exchange Rate Adjustments | 10.93B | -12.68B | 95.00M | -3.38B | -1.20B | |
| Net Cash Flow | 73.05B | 15.60B | -81.09B | 79.99B | -47.58B | |
| Free Cash Flow | -74.15B | -26.17B | -80.00B | 19.44B | 42.97B | |
| Free Cash Flow Margin | -97.93% | -36.89% | -113.79% | 27.55% | 57.30% | |
| Free Cash Flow Per Share | -39.59 | -13.49 | -40.90 | 9.89 | 20.97 | |
| Cash Interest Paid | 80.98B | 88.03B | 72.99B | 22.61B | 7.14B | |
| Cash Income Tax Paid | 6.51B | 5.80B | 5.73B | 3.73B | 4.03B |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 204.65B | 208.79B | 133.13B | 98.45B | 87.60B | 119.83B |
| Last Close Price | 122.64 | 114.95 | 67.47 | 47.54 | 39.95 | 51.28 |
| PE Ratio | 12.12 | 16.04 | 11.62 | 12.54 | 6.39 | 5.77 |
| PS Ratio | 2.44 | 2.76 | 1.88 | 1.40 | 1.24 | 1.60 |
| PB Ratio | 1.06 | 0.98 | 0.64 | 0.48 | 0.43 | 0.59 |
| P/FCF Ratio | 4.51 | 2.79 | ||||
| P/OCF Ratio | 3.50 | 2.54 | ||||
| Debt / Equity Ratio | 3.86 | 3.63 | 3.07 | 3.18 | 2.89 | 2.63 |
| Debt / FCF Ratio | 30.05 | 12.39 | ||||
| Net Debt / Equity Ratio | -2.76 | -0.99 | -0.66 | -0.71 | -1.52 | -1.19 |
| Net Debt / FCF Ratio | 2.87 | 5.30 | 1.83 | -15.79 | -5.63 | |
| Return on Equity (ROE) | 9.35% | 6.83% | 6.18% | 4.60% | 7.50% | 10.93% |
| Return on Assets (ROA) | 0.71% | 0.58% | 0.54% | 0.39% | 0.64% | 0.97% |
| Earnings Yield | 8.25% | 6.85% | 9.53% | 9.37% | 16.95% | 18.32% |
| FCF Yield | -12.07% | -35.52% | -19.66% | -81.26% | 22.19% | 35.86% |
| Dividend Yield | 2.17% | 1.94% | 3.07% | 4.02% | 4.51% | 3.38% |
| Payout Ratio | 26.28% | 37.55% | 40.99% | 56.48% | 33.70% | 23.68% |
| Buyback Yield / Dilution | 7.51% | 3.45% | 0.80% | 0.43% | 4.15% | 2.36% |
| Total Shareholder Return | 9.70% | 5.39% | 3.88% | 4.45% | 8.66% | 5.74% |