Citigroup Inc. logo

Citigroup Inc.

C

NYSEFinancial ServicesBanks - Diversified

Regular session

$131.67

+$0.02 · +0.02%

Aug 24, 10:19 AM ET

C company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

84

Deep Value

Momentum

58

Neutral

Sentiment

64

Bullish

Risk resilience

78

Moderate Risk

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Company profile

Company website

Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which offers cross-border support for clients, providing on-the-ground local market expertise, post-trade technologies, customized data solutions, and a wide range of securities services solutions that can be tailored to meet client needs. The Markets segment provides corporate, institutional, and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products, and commodities. The Banking segment offers Investment Banking and Corporate Lending services. The Wealth segment includes Private Bank, Wealth at Work, and Citigold and provides financial services to a range of client segments through banking, lending, mortgages, investment, custody, and trust product offerings. The USPB segment includes Branded Cards and Retail Services, which have proprietary card portfolios and co-branded card portfolios within Branded Cards, and co-brand and private label relationships within Retail Services. The All Other segment consists of activities not assigned to the reportable operating segments, including certain unallocated costs of global functions, other corporate expenses, and net treasury results. The company was founded in 1812 and is headquartered in New York, NY.

Industry
Banks - Diversified
Sector
Financial Services
Headquarters
US
CEO
Jane Nind Fraser
Listed since
Jan 3, 1977
Employees
219,000

Market position

Day range

Current $131.67

52-week range

Current $131.67

Open
$131.39
Previous close
$131.65
Volume
795.14K
0.07× average
Average volume
11.67M
Average daily volume
Market cap
225.8B USD
Beta
1.1
Market reference 1
50-day average
$137.08
-3.95% below average
200-day average
$121.53
+8.34% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
13.96×
P/B (TTM)
1.06×
P/S (TTM)
1.47×
Dividend yield
1.88%

Profitability & efficiency

Gross margin
54.57%
Operating margin
16.09%
Net margin
11.59%

Financial health

Debt / equity
3.84×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%68%33%-3%Gross margin, FY2021: 94.88%Gross margin, FY2022: 69.22%Gross margin, FY2023: 43.70%Gross margin, FY2024: 41.66%Gross margin, FY2025: 44.55%Operating margin, FY2021: 34.39%Operating margin, FY2022: 18.77%Operating margin, FY2023: 8.31%Operating margin, FY2024: 9.99%Operating margin, FY2025: 11.78%Net margin, FY2021: 27.49%Net margin, FY2022: 14.81%Net margin, FY2023: 5.94%Net margin, FY2024: 7.43%Net margin, FY2025: 8.48%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.88%. Gross margin FY2022 69.22%. Gross margin FY2023 43.70%. Gross margin FY2024 41.66%. Gross margin FY2025 44.55%. Operating margin FY2021 34.39%. Operating margin FY2022 18.77%. Operating margin FY2023 8.31%. Operating margin FY2024 9.99%. Operating margin FY2025 11.78%. Net margin FY2021 27.49%. Net margin FY2022 14.81%. Net margin FY2023 5.94%. Net margin FY2024 7.43%. Net margin FY2025 8.48%.

Income trends

Revenue

168.3B USD-1.41%

Operating income

19.83B USD+16.32%

Net income

14.27B USD+12.51%
Income trends across reported periods186.85B USD122.26B USD57.67B USD−6.92B USDRevenue, FY2021: 79.87B USDRevenue, FY2022: 100.22B USDRevenue, FY2023: 155.38B USDRevenue, FY2024: 170.71B USDRevenue, FY2025: 168.3B USDOperating income, FY2021: 27.47B USDOperating income, FY2022: 18.81B USDOperating income, FY2023: 12.91B USDOperating income, FY2024: 17.05B USDOperating income, FY2025: 19.83B USDNet income, FY2021: 21.95B USDNet income, FY2022: 14.85B USDNet income, FY2023: 9.23B USDNet income, FY2024: 12.68B USDNet income, FY2025: 14.27B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 79.87B USD. Revenue FY2022 100.22B USD. Revenue FY2023 155.38B USD. Revenue FY2024 170.71B USD. Revenue FY2025 168.3B USD. Operating income FY2021 27.47B USD. Operating income FY2022 18.81B USD. Operating income FY2023 12.91B USD. Operating income FY2024 17.05B USD. Operating income FY2025 19.83B USD. Net income FY2021 21.95B USD. Net income FY2022 14.85B USD. Net income FY2023 9.23B USD. Net income FY2024 12.68B USD. Net income FY2025 14.27B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue168.3B USD170.71B USD155.38B USD100.22B USD79.87B USD
Cost of goods sold93.32B USD99.59B USD87.48B USD30.85B USD4.09B USD
Gross profit74.98B USD71.12B USD67.9B USD69.37B USD75.78B USD
Research and development2.33B USD
Selling, general, and administrative39.43B USD29.75B USD30.71B USD28.31B USD26.74B USD
Operating expenses55.15B USD54.07B USD54.99B USD50.56B USD48.31B USD
Interest income142.86B USD143.71B USD133.26B USD74.41B USD50.48B USD
Interest expense83.07B USD89.62B USD78.36B USD25.74B USD7.98B USD
Depreciation and amortization3.27B USD4.31B USD4.56B USD4.26B USD3.96B USD
Operating income19.83B USD17.05B USD12.91B USD18.81B USD27.47B USD
Net income14.27B USD12.68B USD9.23B USD14.85B USD21.95B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+11.87%
11 comparable reports
Latest EPS result
3.15
Estimate 2.72 · Beat by 15.81%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates3.312.551.791.03Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 15, 2025: actual 1.34, estimate 1.21, surprise +10.74%, Beat. Q2 2025, reported Apr 15, 2025: actual 1.96, estimate 1.85, surprise +5.95%, Beat. Q3 2025, reported Jul 15, 2025: actual 1.96, estimate 1.66, surprise +18.07%, Beat. Q4 2025, reported Nov 6, 2025: actual 1.86, estimate 1.73, surprise +7.51%, Beat. Q1 2026, reported Jan 21, 2026: actual 1.19, estimate 1.8, surprise -33.89%, Miss. Q2 2026, reported Apr 14, 2026: actual 3.06, estimate 2.65, surprise +15.47%, Beat. Q3 2026, reported Jul 14, 2026: actual 3.15, estimate 2.72, surprise +15.81%, Beat. Q4 2026, reported Oct 13, 2026: actual —, estimate 2.68, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates25.76B23.34B20.93B18.52BQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 15, 2025: actual 19.59B USD, estimate 19.51B USD, surprise +0.38%, Beat. Q2 2025, reported Apr 15, 2025: actual 21.6B USD, estimate 21.26B USD, surprise +1.59%, Beat. Q3 2025, reported Jul 15, 2025: actual 21.67B USD, estimate 21B USD, surprise +3.16%, Beat. Q4 2025, reported Nov 6, 2025: actual 22.09B USD, estimate 21.09B USD, surprise +4.76%, Beat. Q1 2026, reported Jan 21, 2026: actual 19.87B USD, estimate 20.95B USD, surprise -5.13%, Miss. Q2 2026, reported Apr 14, 2026: actual 24.63B USD, estimate 23.6B USD, surprise +4.38%, Beat. Q3 2026, reported Jul 14, 2026: actual 24.77B USD, estimate 23.74B USD, surprise +4.32%, Beat. Q4 2026, reported Oct 13, 2026: actual —, estimate 23.75B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

27 ratings
Strong buy00%
Buy1659%
Hold1037%
Sell14%
Strong sell00%

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