COVERAGE / C / Financials

CITIGROUP INC

National Commercial Banks

COVERAGE STATUSACTIVE

DATA THROUGH2025-12-31

RESEARCH REPORTS1

SELECTED FILINGS1

Fundamental matrix

Latest / 2025-12-31 · Prior / 2024-12-31 · USD · Annual periods

Revenue

$85.23bn

Prior / $80.72bn

Change / +5.58%

SOURCE / 2026-02-20

Operating income

Not available

Prior / Not available

Change / Unavailable

SOURCE / Not available

Net income

$14.31bn

Prior / $12.68bn

Change / +12.81%

SOURCE / 2026-02-20

Diluted EPS

$6.99

Prior / $5.94

Change / +17.68%

SOURCE / 2026-02-20

Free cash flow

$-74.15bn

Prior / $-26.17bn

Change / Base not positive

SOURCE / 2026-02-20

Gross margin

Not available

Prior / Not available

Change / Unavailable

SOURCE / Not available

Operating margin

Not available

Prior / Not available

Change / Unavailable

SOURCE / Not available

Return on avg. equity

6.80%

Prior / 6.13%

Change / +0.67 pp

SOURCE / 2026-02-20

Debt / equity

Not available

Prior / Not available

Change / Unavailable

SOURCE / Not available

ROE uses net income divided by average opening/closing equity. FCF = operating cash flow − selected capital expenditure. Debt/equity is unavailable because a verified interest-bearing-debt series is absent; total liabilities are not substituted for debt.

Inspect source tags, dates and accession numbers

{
  "revenue": {
    "start": "2025-01-01",
    "end": "2025-12-31",
    "val": 85225000000,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025",
    "tag": "us-gaap:Revenues",
    "unit": "USD"
  },
  "netIncome": {
    "start": "2025-01-01",
    "end": "2025-12-31",
    "val": 14306000000,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025",
    "tag": "us-gaap:NetIncomeLoss",
    "unit": "USD"
  },
  "eps": {
    "start": "2025-01-01",
    "end": "2025-12-31",
    "val": 6.99,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025",
    "tag": "us-gaap:EarningsPerShareDiluted",
    "unit": "USD/shares"
  },
  "operatingCashFlow": {
    "start": "2025-01-01",
    "end": "2025-12-31",
    "val": -67632000000,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025",
    "tag": "us-gaap:NetCashProvidedByUsedInOperatingActivities",
    "unit": "USD"
  },
  "capex": {
    "start": "2025-01-01",
    "end": "2025-12-31",
    "val": 6520000000,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025",
    "tag": "us-gaap:PaymentsToAcquirePropertyPlantAndEquipment",
    "unit": "USD"
  },
  "totalAssets": {
    "end": "2025-12-31",
    "val": 2657202000000,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025Q4I",
    "tag": "us-gaap:Assets",
    "unit": "USD"
  },
  "totalLiabilities": {
    "end": "2025-12-31",
    "val": 2443380000000,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025Q4I",
    "tag": "us-gaap:Liabilities",
    "unit": "USD"
  },
  "shareholdersEquity": {
    "end": "2025-12-31",
    "val": 212291000000,
    "accn": "0000831001-26-000011",
    "fy": 2025,
    "fp": "FY",
    "form": "10-K",
    "filed": "2026-02-20",
    "frame": "CY2025Q4I",
    "tag": "us-gaap:StockholdersEquity",
    "unit": "USD"
  }
}

Financial trend system

Annual financial trends are summarized in the accessible table below.

Annual figures / accessible table

Period end	Revenue	Net income	Free cash flow	EPS
2025-12-31	$85.23bn	$14.31bn	$-74.15bn	$6.99
2024-12-31	$80.72bn	$12.68bn	$-26.17bn	$5.94
2023-12-31	$78.07bn	$9.23bn	$-80bn	$4.04
2022-12-31	$75.34bn	$14.85bn	$19.44bn	$7.00

Valuation context

Historical snapshot / 2026-09-17. Annual accounting period / 2025-12-31. Not current, TTM or forward valuation.

Dated ratios / eligible same-method sector sample
Measure	Snapshot value	Historical median	Sector median	Peer count
P/E	18.98x	Unavailable	18.76x	10
P/S	Unavailable	Unavailable	3.26x	2
P/B	Unavailable	Unavailable	5.21x	2
EV / EBITDA	Unavailable	Unavailable	Unavailable	0
FCF yield	Unavailable	Unavailable	10.65%	2

Annual denominators, not TTM or forward. Capitalization-based measures use estimated market capitalization from the dated quote snapshot. ADR/share-basis uncertainty is excluded. No comparable historical-multiple series or EV/EBITDA is available. Sector samples are equal-weight medians of this publication’s eligible covered companies; fiscal periods differ. No fair value or price target is implied.

Source: Yahoo Finance completed daily-bar snapshot; not live DAILY-BAR SOURCE ↗

Retained price snapshot and capitalization estimate

{
  "currentPrice": 132.7,
  "tradingDate": "2026-09-17",
  "marketCap": null,
  "source": "Yahoo Finance completed daily-bar snapshot; not live"
}

Company & operating context

CITIGROUP INC is an SEC-reporting issuer listed on NYSE under C. Its SEC industry description is National Commercial Banks. This profile organizes annual financial disclosures for research; sector labels are editorial groupings, not GICS classifications.

Banks, insurers, exchanges and asset managers earn income through different balance-sheet and fee models. Conventional industrial cash-flow ratios may not be economically comparable.

Segment-level revenue is not included in this standardized dataset. Consult the business and segment notes in the linked annual filing for the issuer’s actual reporting segments.

Filing timeline

10-KFILED / 2026-02-20PERIOD / 2025-12-31

C filed this 10-K on 2026-02-20 for the reported period 2025-12-31. Reading focus: Net interest income, credit provisions, fee income, underwriting results and capital adequacy. This is a metadata-based reading guide; it does not assert that a particular event or risk change occurred in the document.

ORIGINAL SEC DISCLOSURE ↗

Research archive

HR-0031CCompany Research

C: reading the FY2025 financial structure ↗

CITIGROUP INC

Research abstract

Annual revenue of USD 85.225 billion and net income of USD 14.306 billion for the period ended 2025-12-31.

DATA THROUGH2025-12-312 MIN READPUBLISHED 2026-09-26

Sector context & risk factors

Credit losses, deposit pricing, reserve assumptions, market liquidity and regulatory capital.

Net interest income, credit provisions, fee income, underwriting results and capital adequacy.

FINANCIALS SYSTEM ↗

Sources & dates

SEC annual filing · 2025-12-31 ↗Source date 2026-02-20
SEC annual filing · 2024-12-31 ↗Source date 2026-02-20
SEC annual filing · 2023-12-31 ↗Source date 2026-02-20
SEC annual filing · 2022-12-31 ↗Source date 2025-02-21
SEC issuer record ↗Source date 2026-09-18