Citigroup Inc. Common Stock (C) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q4 26	$2.71	$3.14	+15.9%	—	—	—
Q3 26	$2.6	$3.06	+17.7%	—	—	—
Q2 26	$1.93	$2.26	+17.1%	—	—	—
Q1 26	$1.59	$2.04	+28.3%	—	—	—
Q4 25	$1.85	$1.96	+5.9%	—	—	—
Q3 25	$1.24	$1.35	+8.9%	—	—	—
Q2 25	$1.32	$1.52	+15.2%	—	—	—
Q1 25	$1.39	$1.56	+12.2%	—	—	—
Q4 24	$1.27	$1.79	+40.9%	—	—	—
Q3 24	$0.69	$0.84	+21.7%	—	—	—
Q2 24	$1.22	$1.52	+24.6%	—	—	—
Q1 24	$1.38	$1.37	-0.7%	—	—	—
Q4 23	$1.7	$1.86	+9.4%	—	—	—
Q3 23	$1.21	$1.16	-4.1%	—	—	—
Q2 23	$1.43	$1.63	+14.0%	—	—	—
Q1 23	$1.67	$2.3	+37.7%	—	—	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$7.11	—	—	$85.2B	—
FY24	—	$6.03	—	—	$81.1B	—
FY23	—	$4.07	—	—	$78.5B	—
FY22	—	$7.04	—	—	$75.3B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$70.8B	$72.4B	$72.9B	$75.1B	$75.5B	$71.9B	$75.3B	$78.5B	$81.1B	$85.2B
YoY change	-7.28%	+2.33%	+0.57%	+3.04%	+0.57%	-4.78%	+4.75%	+4.22%	+3.32%	+5.09%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	70.8B	72.4B	72.9B	75.1B	75.5B	71.9B	75.3B	78.5B	81.1B	85.2B
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	22.8B	22.9B	22.8B	23B	23.5B	26.7B	28.3B	30.7B	29.7B	30.8B
Operating expenses	22.8B	22.9B	22.8B	23B	23.5B	26.7B	28.3B	30.7B	29.7B	30.8B
Operating income	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—
Pretax income	21.5B	22.8B	23.4B	23.9B	13.6B	27.5B	18.8B	12.9B	17B	19.8B
Income tax	6.4B	29.4B	5.4B	4.4B	2.5B	5.5B	3.6B	3.5B	4.2B	5.4B
Net income	15B	-6.7B	18.1B	19.5B	11.1B	22B	14.9B	9.4B	12.8B	14.5B
Net margin	21.2%	-9.3%	24.8%	25.9%	14.7%	30.6%	19.8%	12%	15.8%	17%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	5.16	-2.3	7.24	8.63	5.45	10.8	7.04	4.07	6.03	7.11
Diluted EPS	4.72	-2.76	6.68	8.04	4.87	10.1	7	4.04	5.94	6.99

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	20.1B	18.8B	21.1B	20.1B	20.3B	19.6B	21.6B	21.7B	22.1B	19.7B	24.7B	24.8B
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	7.8B	7.3B	7.9B	7.2B	7.4B	7.3B	7.7B	7.9B	7.8B	7.4B	8.6B	8.3B
Operating expenses	7.8B	7.3B	7.9B	7.2B	7.4B	7.3B	7.7B	7.9B	7.8B	7.4B	8.6B	8.3B
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	4.8B	-2.1B	4.5B	4.3B	4.4B	3.8B	5.4B	5.2B	5.3B	3.8B	7.5B	8B
Income tax	1.2B	-296M	1.1B	1B	1.1B	912M	1.3B	1.2B	1.6B	1.3B	1.6B	2B
Net income	3.6B	-1.8B	3.4B	3.3B	3.3B	2.9B	4.1B	4B	3.8B	2.5B	5.9B	6B
Net margin	17.8%	-9.6%	16.2%	16.2%	16.2%	14.8%	19%	18.6%	17.2%	12.8%	24.1%	24.3%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	1.64	-1.16	1.59	1.54	1.7	1.36	2	1.98	1.89	1.21	3.12	3.2
Diluted EPS	1.63	-1.16	1.58	1.52	1.51	1.34	1.96	1.96	1.86	1.19	3.06	3.15

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	171.6B	200.8B	129.8B	179.7B	128.6B	122.8B	88B	99.3B	133.8B	213.8B	220.3B
Enterprise value	-43.2B	20B	-72.7B	8B	-209B	-136.2B	-174B	-82.6B	-28.4B	-9.9B	33.1B
Shares outstanding	2.9B	2.7B	2.5B	2.2B	2.1B	2B	1.9B	1.9B	1.9B	1.8B	1.8B

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	11.5	—	7.18	9.23	11.6	5.57	5.9	10.6	10.4	14.8	14.3
P/S	2.42	2.77	1.78	2.39	1.7	1.71	1.17	1.26	1.65	2.51	2.72
P/B	0.76	1	0.66	0.93	0.64	0.61	0.44	0.48	0.64	1	1.16
EV/Sales	-0.61	0.28	-1	0.11	-2.77	-1.89	-2.31	-1.05	-0.35	-0.12	0.41
Earnings yield	8.72%	—	13.9%	10.8%	8.62%	17.9%	17%	9.45%	9.59%	6.76%	7%
FCF yield	29.7%	-6.04%	25.6%	-10.1%	-20.9%	35%	22.1%	-80.6%	-19.6%	-34.7%	5.91%
PEG	—	—	—	—	—	—	—	—	—	—	0.23

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	—	—	—	—	—	—	—	—	—	—	36.2%
Net margin	21.2%	-9.3%	24.8%	25.9%	14.7%	30.6%	19.8%	12%	15.8%	17%	21.8%
ROE	6.62%	-3.34%	9.17%	10%	5.54%	10.9%	7.4%	4.55%	6.13%	6.76%	8.53%
ROA	—	—	—	—	—	—	—	—	0.55%	0.54%	0.66%
Return on tangible assets	—	—	—	—	—	—	—	—	0.56%	0.55%	0.64%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Debt / equity	1.05	1.39	1.34	1.51	1.5	1.39	1.58	1.57	1.6	1.72	0.04
Debt / assets	—	—	—	—	—	—	—	—	0.14	0.14	0.14
Effective tax rate	30%	100%	22.8%	18.5%	18.5%	19.8%	19.4%	27.3%	24.7%	27.1%	26%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	24.5	26.8	29.2	33.4	36.2	35.4	38.7	40.7	42.6	46.5	46.5
EPS (basic)	5.16	-2.3	7.24	8.63	5.45	10.8	7.04	4.07	6.03	7.11	7.11
EPS (diluted)	4.72	-2.76	6.68	8.04	4.87	10.1	7	4.04	5.94	6.99	9.28
Book value per share	78.3	74.7	79	86.2	96	99.7	103.7	106.9	110.1	116.7	114.7
FCF per share	17.7	-4.5	13.3	-8.08	-12.9	21.1	9.98	-41.4	-13.8	-40.5	-14.1
Cash per share	156.4	171.2	187.2	206.9	306.3	266.3	298.3	262.2	261.9	322.8	653.2
Capex per share	0.23	0.14	0.09	0.12	0.02	0.09	0.03	0.03	0.12	3.56	3.58

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	0.94%	0.52%	0.29%	0.35%	0.07%	0.26%	0.08%	0.07%	0.27%	7.65%	6.81%
Capex / operating cash flow	1.54%	-1.84%	0.6%	-0.66%	-0.11%	0.35%	0.41%	-0.07%	-0.76%	-9.64%	-34%
Payout ratio	15.3%	-56.4%	27.8%	28%	48.3%	23.6%	33.5%	55.6%	40.5%	37.2%	25.9%
Dividend yield	1.33%	1.89%	3.87%	3.03%	4.16%	4.23%	5.68%	5.25%	3.88%	2.51%	2.04%

Yield

2.04%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.67

ex-dividend Aug 3, 2026

Payout ratio

26%

of earnings

Dividend growth

3 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Aug 3, 2026	$0.67
May 4, 2026	$0.60
Feb 2, 2026	$0.60

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$20.1B	$18.8B	$21.1B	$20.1B	$20.3B	$19.6B	$21.6B	$21.7B	$22.1B	$19.7B	$24.7B	$24.8B
YoY change	+12.6%	+4.66%	+3.38%	+3.62%	+0.61%	+3.96%	+2.4%	+7.53%	+9.03%	+0.43%	+14.2%	+14.3%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	451.7B	461.9B	466.9B	465.5B	638.8B	541.3B	580.8B	506B	498B	591.4B
Receivables	28.9B	38.4B	35.5B	39.9B	44.8B	54.3B	54.2B	53.9B	50.8B	62.7B
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	—	—	—	—	—	—	—	—
Goodwill & intangibles	56.7B	54.8B	54.5B	53.9B	53.8B	51.6B	48.2B	49B	47.6B	46.8B
Total assets	—	—	—	—	—	—	—	—	2.4T	2.7T
Accounts payable	57.2B	61.3B	64.6B	48.6B	50.5B	61.4B	69.2B	63.5B	66.6B	74.8B
Short-term debt	30.7B	44.5B	32.3B	45B	29.5B	28B	47.1B	37.5B	48.5B	51.9B
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	206.2B	236.7B	232B	248.8B	271.7B	254.4B	271.6B	286.6B	287.3B	315.8B
Total liabilities	—	—	—	—	—	—	—	—	2.1T	2.4T
Shareholders' equity	226.1B	201.7B	197.1B	193.9B	200.2B	202.7B	201.8B	206.3B	209.4B	213.8B
Total debt	236.9B	281.2B	264.3B	293.8B	301.2B	282.3B	318.7B	324.1B	335.8B	367.7B
Net debt	76.4B	100.6B	76.2B	99.9B	-8.4B	20.3B	-23.3B	63.1B	59.3B	18.1B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	481.1B	506B	525.8B	492.6B	535B	498B	527.8B	563.2B	585.7B	591.4B	637.3B	646B
Receivables	66.2B	53.9B	61.3B	64.6B	63.7B	50.8B	57.4B	64B	76B	62.7B	91.7B	83.3B
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	—	—	—	—	—	—	—	—	—	—
Goodwill & intangibles	48.7B	49B	48.8B	47.9B	47.6B	47.6B	47.7B	48.6B	46.9B	46.8B	46.6B	48B
Total assets	—	—	2.4T	2.4T	2.4T	2.4T	2.6T	2.6T	2.6T	2.7T	2.8T	2.9T
Accounts payable	75.1B	63.5B	73B	73.6B	81.2B	66.6B	78.3B	90.9B	89.6B	74.8B	111.2B	116.1B
Short-term debt	43.2B	37.5B	31.9B	38.7B	41.3B	48.5B	49.1B	55.6B	54.8B	51.9B	72.1B	69B
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	275.8B	286.6B	285.5B	280.3B	299.1B	287.3B	295.7B	317.8B	315.8B	315.8B	307.6B	333.7B
Total liabilities	—	—	2.2T	2.2T	2.2T	2.1T	2.4T	2.4T	2.4T	2.4T	2.6T	2.7T
Shareholders' equity	210.2B	206.3B	207.4B	209.1B	209.9B	209.4B	213.3B	214.1B	213.9B	213.8B	212.6B	214.4B
Total debt	318.9B	324.1B	317.4B	319B	340.4B	335.8B	344.8B	373.3B	370.6B	367.7B	379.6B	402.7B
Net debt	64.9B	63.1B	44.7B	72.9B	37.3B	59.3B	36.5B	35.8B	22.5B	18.1B	-6.1B	36.3B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	15B	-6.7B	18.1B	19.4B	11.1B	21.9B	15.1B	9.2B	12.7B	14.3B
Depreciation & amortization	3.7B	3.7B	3.8B	3.9B	3.9B	4B	4.3B	4.6B	4.3B	4.4B
Stock-based compensation	—	—	—	—	—	—	—	—	—	—
Change in working capital	16.2B	-39.4B	21.2B	-78.8B	-57.5B	42.7B	15.1B	-101.3B	-58.3B	-83B
Operating cash flow	43.3B	-20.5B	35.4B	-39.2B	-43.5B	54.4B	15.2B	-83.2B	-29.1B	-67.6B
Capital expenditure	667M	377M	212M	259M	50M	190M	63M	56M	222M	-6.5B
Investing cash flow	-12.6B	10B	-6.7B	-17.8B	-61.4B	-75.8B	-23.8B	18.1B	37B	44.4B
Dividends paid	-2.3B	-3.8B	-5B	-5.4B	-5.4B	-5.2B	-5B	-5.2B	-5.2B	-5.4B
Share repurchases	-9.3B	-14.5B	-15.2B	-19.6B	-4.4B	-11.4B	-3.3B	-6.1B	-7.5B	-18.3B
Financing cash flow	8.6B	22B	-30.3B	-3.1B	-9.7B	-19.5B	58.2B	-17.7B	9.3B	6.7B
Net change in cash	39.3B	11.4B	-1.6B	-60B	-114.6B	-40.8B	49.6B	-82.8B	17.1B	-16.5B
Free cash flow	51B	-12.1B	33.2B	-18.2B	-26.9B	43B	19.4B	-80B	-26.2B	-74.2B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	3.5B	-1.8B	3.4B	3.2B	3.2B	2.9B	4.1B	4B	3.8B	2.5B	5.8B	5.8B
Depreciation & amortization	1.1B	1.2B	1.1B	1.1B	1.1B	1B	1.1B	1.1B	1.1B	1.1B	1.1B	1.1B
Stock-based compensation	—	—	—	—	—	—	—	—	—	—	—	—
Change in working capital	8.2B	-5.9B	-21.6B	-25.7B	-16B	5.1B	-61.2B	-31.6B	-12.9B	22.7B	-33.2B	-28.2B
Operating cash flow	13.6B	-8.1B	-12.7B	-18.6B	-17.4B	19.5B	-60.5B	-35.6B	1.1B	26.6B	-21.9B	-24.1B
Capital expenditure	5M	40M	162M	12M	27M	21M	11M	5M	-1.6B	-1.6B	-1.4B	-1.6B
Investing cash flow	-5.3B	-672M	2.9B	3.5B	24.7B	5.8B	29.2B	13.2B	-1.3B	6.5B	-3.3B	-19.7B
Dividends paid	-1.4B	-1.3B	-1.3B	-1.3B	-1.3B	-1.3B	-1.3B	-1.3B	-1.4B	-1.4B	-1.4B	-1.4B
Share repurchases	-1.2B	-3.9B	-963M	-1.4B	-4.2B	-968M	-3.3B	-4B	-5B	-6B	-8.6B	-4B
Financing cash flow	5.7B	-10.8B	-7.4B	4.5B	10.4B	1.9B	3.8B	15.7B	-7.3B	-5.5B	7.1B	23B
Net change in cash	13.9B	-19.5B	-17.2B	-10.6B	17.7B	27.2B	-27.5B	-6.7B	-7.5B	27.6B	-18.1B	-20.7B
Free cash flow	14.1B	-6.4B	-12.4B	-18.6B	-18.2B	23.1B	-60.2B	-38.3B	-517M	24.9B	-23.3B	-25.6B

Date	Ratio
May 9, 2011	1:10
Aug 28, 2000	4:3
Jun 1, 1999	3:2
Nov 20, 1997	3:2
Nov 25, 1996	4:3
May 28, 1996	3:2
Oct 3, 1995	1000:996
Aug 30, 1993	4:3
Mar 1, 1993	3:2
Mar 13, 1987	2:1

Citigroup Inc. Common Stock Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement

Split history