FirmAtlas

Company handbook · C · Prepared by FirmAtlas · firmatlas.app · printed 2026-10-17

C · CIK 831001 · LATEST FILING: 10-Q JUN '26 · FILED AUG 6, 2026

Citigroup Inc

$124.26 +1.05 (+0.85%)

Close, Oct 16, 2026 · 52-week $95–148

↗ citibnqa.com

Last fiscal year

Citigroup Inc reported revenue of $85.2B for the year ended Dec 31, 2025 (FY25), up 5.6% from FY24. Net income was $14.3B. Source: 10-K filed Feb 20, 2026.

Market cap

$232.8B

P/E

16.3

P/B

1.1

Div yield

1.99%

ROTCE

6.8%

Revenue 1Y

5.6%/yr

EPS 1Y

17.7%/yr

Shares 1Y

−3%

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Daily closes, split-adjusted · ratios at each fiscal year end

Company

CEOJane Fraser

HQNew York, NY

AuditorKPMG LLP

Employees226,000

Year endsDecember

Compounded growth & averages

10Y

TTM

Share price

9.8%

11.4%

44.8%

29.1%

Upgrade to see 10 years

Share price: yearly compound rate of the traded close; the last column is the past year.

Where the earnings went · FY24–FY25

$27.0B net income

Dividends $10.6B 39.2%

Buybacks $15.7B 58.3%

Retained $693M 2.6%

Sources 10-K FY25 10-Q Jun '26 All filings on EDGAR

Latest filings

Sep 24, 2026 Other announcement 8-K Jul 14, 2026 Quarterly results 8-K May 21, 2026 Executive or director change 8-K Apr 14, 2026 Quarterly results 8-K Apr 3, 2026 Other announcement 8-K

Growth engines

How much of the profit growth came from new investment, and how much from running the business better.

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Financials

Last 2 years · Upgrade to see 10 years · USD millions · each year opens its 10-K · change vs previous year

Last 4 quarters · USD millions · quarter-end month shown · change vs same quarter a year earlier

Income

FY24 FY25

Total revenue

80,722

85,225+5.6%

YoY

+5.6%

Interest income

143,713

142,864−0.6%

Interest expense

89,618

83,072−7.3%

Net interest income

54,095

59,792+10.5%

Non-interest income

26,627

25,433−4.5%

Provision for credit losses

9,726

9,497−2.4%

NII after provision

44,369

50,295+13.4%

Non-interest expense

53,567

55,132+2.9%

Pre-tax income

17,046

19,828+16.3%

Net income

12,682

14,306+12.8%

YoY

+12.8%

EPS (diluted, $)

5.94

6.99+17.7%

YoY

+17.7%

Balance sheet

FY24 FY25

Total assets

2,352,945

2,657,202+12.9%

Cash & securities

276,532

349,579+26.4%

Gross loans & leases

694,488

752,230+8.3%

Less allowance for credit losses

(18,574)

(19,247)n/m

Other assets

1,400,499

1,574,640+12.4%

Total liabilities

2,144,347

2,444,911+14.0%

Deposits

1,284,458

1,403,573+9.3%

Borrowings

335,805

367,705+9.5%

Other liabilities

524,084

673,633+28.5%

Shareholders’ equity

208,598

212,291+1.8%

Tangible common equity

208,598

212,291+1.8%

Shares outstanding (M)

1,940

1,873−3.5%

Total liabilities = total assets − shareholders’ equity, so it includes minority interest where a company has one.

Where the earnings went

FY24 FY25

Net income

12,682

14,306+12.8%

Returned to shareholders

7,673

18,622+142.7%

% of net income

60.5%

130.2%

Dividends

5,199

5,372+3.3%

Buybacks

2,474

13,250+435.6%

Retained

5,009

(4,316)−186.2%

Operating cash flow

(19,669)

(67,632)n/m

Buyback yield

1.8%

6.1%+4.3 pp

Returns & ratios

FY24 FY25

ROTCE

6.1%

6.8%+0.7 pp

Net interest margin

2.3%

2.4%+0.1 pp

Efficiency ratio

66.4%

64.7%−1.7 pp

ROA

0.5%

0.5%−0.0 pp

Loans / deposits

54.1%

53.6%−0.5 pp

Income

Mar '25

Jun '25

Sep '25

Dec '25

Total revenue

21,596

21,668

22,090

19,871

vs year-ago quarter

Net interest income

14,012

15,175

14,940

15,665

Non-interest income

7,584

6,493

7,150

4,206

Net income

4,064

4,019

3,752

2,471

vs year-ago quarter

EPS (diluted, $)

1.96

1.86

1.32

vs year-ago quarter

Balance sheet

Mar '25

Jun '25

Sep '25

Dec '25

Total assets

2,571,514

2,622,772

2,642,475

2,657,202

Cash & due from banks

308,331

337,473

348,060

349,579

Borrowings

344,823

373,321

370,606

367,705

Shareholders’ equity

212,408

213,222

213,023

212,291