Citigroup Financials

C Stock

USD 117.34 0.37 0.31%

Based on the analysis of Citigroup's profitability, liquidity, and operating efficiency, Citigroup may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Citigroup's Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 225.9 B, whereas Common Stock Shares Outstanding is forecasted to decline to about 1.3 B.

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Citigroup Balance Sheet Chart

At present, Citigroup's Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 225.9 B, whereas Common Stock Shares Outstanding is forecasted to decline to about 1.3 B.

Common Stock Shares Outstanding Total Assets Short Long Term Debt Total Total Current Liabilities Other Assets

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Key indicators impacting Citigroup's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Debt Equity Ratio

3.95

3.3718

Fairly Up

Pretty Stable

Operating Income

12.8 B

19.8 B

Way Down

Slightly volatile

Current Ratio

0.48

0.4823

Slightly Down

Slightly volatile

Investors should never underestimate Citigroup's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to research Citigroup's cash flow, debt, and profitability to make informed and accurate decisions about investing in Citigroup.

Net Income

9.17 Billion

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Understanding current and past Citigroup Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Citigroup's financial statements are interrelated, with each one affecting the others. For example, an increase in Citigroup's assets may result in an increase in income on the income statement.

Citigroup Earnings Geography

Please note, the presentation of Citigroup's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Citigroup's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Citigroup's management manipulating its earnings.

Citigroup Stock Summary

Citigroup competes with Mitsubishi UFJ, Royal Bank, Wells Fargo, Bank of America, and Banco Santander. Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York. Citigroup operates under BanksDiversified classification in the United States and is traded on New York Stock Exchange. It employs 238000 people.

Foreign Associates
Specialization	Financial Services, Banks - Diversified
Instrument	USA Stock View All
Exchange	New York Stock Exchange
ISIN	US1729674242
Business Address	388 Greenwich Street,
Sector	Banks
Industry	Financials
Benchmark	Dow Jones Industrial
Website	www.citigroup.com
Phone	212 559 1000
Currency	USD - US Dollar

Citigroup Key Financial Ratios

	Return On Equity	0.0683
	Profit Margin	0.19 %
	Operating Margin	0.22 %
	Price To Sales	2.75 X
	Revenue	168.3 B

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Citigroup Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	2.3T	2.4T	2.4T	2.4T	2.7T	1.5T
Other Current Liab	1.5T	1.5T	1.5T	1.4T	1.1T	1.1T
Net Debt	211.6B	179.1B	341.3B	314.0B	366.2B	230.4B
Retained Earnings	184.9B	194.7B	198.9B	206.3B	215.1B	225.9B
Cash	262.0B	342.0B	260.9B	276.5B	349.6B	367.1B
Other Assets	816.0B	1.0T	387.5B	(4.2B)	(4.8B)	(4.6B)
Net Receivables	54.8B	54.5B	54.2B	51.1B	62.7B	36.1B
Total Liab	2.1T	2.2T	2.2T	2.1T	2.4T	1.4T
Total Current Assets	596.1B	635.3B	560.2B	549.1B	738.1B	775.0B
Short Term Debt	219.3B	249.5B	315.6B	303.3B	400.0B	420.0B
Intangible Assets	4.5B	4.4B	4.4B	4.5B	4.3B	4.1B
Other Liab	54.6B	59.9B	74.9B	84.8B	76.3B	106.6B
Accounts Payable	61.4B	69.2B	63.5B	66.6B	74.8B	62.4B
Long Term Debt	254.4B	271.6B	286.6B	287.3B	315.8B	319.9B
Inventory	(1.0T)	(1.0T)	(1.2T)	(1.1T)	(1.0T)	(982.0B)
Good Will	21.3B	19.7B	20.1B	19.3B	19.1B	20.2B
Net Tangible Assets	148.3B	153.1B	157.6B	158.7B	182.6B	172.2B
Long Term Debt Total	254.4B	271.6B	275.1B	278.8B	315.8B	287.7B
Capital Surpluse	108.0B	108.5B	109.0B	109.1B	108.5B	117.6B

Citigroup Key Income Statement Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Interest Expense	8.0B	25.7B	78.4B	89.6B	83.1B	87.2B
Operating Income	27.5B	18.8B	12.9B	17.0B	19.8B	12.8B
Ebit	27.5B	18.8B	12.9B	17.0B	19.8B	12.8B
Ebitda	31.4B	23.1B	17.5B	21.4B	23.1B	15.5B
Income Before Tax	27.5B	18.8B	12.9B	17.0B	19.8B	12.8B
Net Income	22.0B	14.8B	9.2B	12.7B	14.3B	9.2B
Income Tax Expense	5.5B	3.6B	3.5B	4.2B	5.4B	3.9B
Total Revenue	79.9B	100.2B	155.4B	170.7B	168.3B	95.8B
Gross Profit	75.8B	69.4B	67.9B	71.1B	75.0B	57.4B
Cost Of Revenue	4.1B	30.9B	87.5B	99.6B	93.3B	98.0B
Minority Interest	(73M)	(89M)	(153M)	(151M)	(135.9M)	(129.1M)
Extraordinary Items	7M	(231M)	(1M)	(2M)	(3M)	(3.2M)
Tax Provision	5.5B	3.6B	3.5B	4.2B	5.4B	5.7B
Net Interest Income	42.5B	48.7B	54.9B	54.1B	62.2B	52.1B
Interest Income	50.5B	74.4B	133.3B	143.7B	165.3B	86.2B

Citigroup Key Cash Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Change In Cash	(47.6B)	80.0B	(81.1B)	15.6B	17.9B	18.8B
Free Cash Flow	57.1B	19.4B	(80.0B)	(26.2B)	(30.1B)	(28.6B)
Depreciation	4.0B	4.3B	4.6B	4.3B	5.0B	2.9B
Other Non Cash Items	(1.3B)	(12.7B)	14.6B	24.3B	27.9B	29.3B
Dividends Paid	5.2B	5.0B	5.2B	5.2B	6.0B	3.6B
Capital Expenditures	4.1B	5.6B	6.6B	6.5B	7.5B	7.8B
Net Income	21.9B	15.1B	9.2B	12.7B	14.6B	9.4B
End Period Cash Flow	262.0B	342.0B	260.9B	276.5B	318.0B	333.9B
Investments	(122.9B)	(79.5B)	(8.5B)	86.3B	77.6B	81.5B
Net Borrowings	(14.1B)	77.9B	(8.8B)	17.2B	19.7B	20.7B
Change To Netincome	(32.2B)	(31.7B)	(2.2B)	4.3B	3.9B	6.4B

Citigroup Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Citigroup's current stock value. Our valuation model uses many indicators to compare Citigroup value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Citigroup competition to find correlations between indicators driving Citigroup's intrinsic value. More Info.

Citigroup is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about 0.08 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Citigroup is roughly 11.78 . At present, Citigroup's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Citigroup's earnings, one of the primary drivers of an investment's value.

Citigroup's Earnings Breakdown by Geography

Most indicators from Citigroup's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Citigroup current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citigroup. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in private.

For information on how to trade Citigroup Stock refer to our How to Trade Citigroup Stock guide.At present, Citigroup's Issuance Of Capital Stock is projected to increase significantly based on the last few years of reporting. The current year's Sales General And Administrative To Revenue is expected to grow to 0.30, whereas Selling General Administrative is forecasted to decline to about 23.5 B.

	2023	2024	2025	2026 (projected)
Operating Income	12.9B	17.0B	19.8B	12.8B
Other Operating Expenses	142.5B	153.7B	148.5B	75.9B

Operating Income Other Operating Expenses

Citigroup fundamental ratios Correlations

	Common Stock Shares Outstanding	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Short Term Investments	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Total Current Assets	Short Term Debt	Intangible Assets	Common Stock	Common Stock Total Equity	Other Liab	Accounts Payable	Long Term Debt
Common Stock Shares Outstanding		0.45	0.31	-0.42	-0.41	0.79	-0.1	0.03	-0.06	-0.27	-0.43	0.7	0.28	-0.03	0.79	-0.2	0.9	0.41	0.25	-0.38	0.43	-0.74	-0.48	0.2	0.41	0.51
Total Assets	0.45		0.94	0.46	0.48	0.86	0.56	0.78	0.74	0.62	0.37	0.23	0.81	0.86	0.74	0.66	0.04	1.0	0.81	0.45	-0.38	-0.85	-0.42	-0.13	0.88	0.48
Short Long Term Debt Total	0.31	0.94		0.55	0.59	0.72	0.76	0.78	0.78	0.72	0.58	-0.03	0.79	0.87	0.61	0.65	-0.07	0.95	0.8	0.63	-0.36	-0.75	-0.32	0.04	0.88	0.47
Other Current Liab	-0.42	0.46	0.55		1.0	0.09	0.78	0.69	0.68	0.93	0.85	-0.4	0.43	0.75	-0.13	0.74	-0.63	0.49	0.46	0.89	-0.64	-0.14	0.19	-0.16	0.52	-0.17
Total Current Liabilities	-0.41	0.48	0.59	1.0		0.11	0.8	0.74	0.73	0.96	0.89	-0.43	0.49	0.77	-0.09	0.76	-0.63	0.51	0.52	0.92	-0.67	-0.18	0.22	-0.16	0.56	-0.13
Total Stockholder Equity	0.79	0.86	0.72	0.09	0.11		0.27	0.58	0.43	0.26	-0.02	0.48	0.65	0.54	0.89	0.31	0.46	0.84	0.64	0.09	-0.14	-0.92	-0.49	-0.16	0.77	0.45
Net Debt	-0.1	0.56	0.76	0.78	0.8	0.27		0.63	0.58	0.83	0.83	-0.47	0.46	0.68	0.1	0.57	-0.31	0.58	0.49	0.87	-0.35	-0.33	0.0	0.14	0.66	0.1
Retained Earnings	0.03	0.78	0.78	0.69	0.74	0.58	0.63		0.9	0.86	0.67	-0.16	0.87	0.87	0.5	0.75	-0.32	0.79	0.89	0.76	-0.76	-0.67	0.16	-0.37	0.81	0.21
Cash	-0.06	0.74	0.78	0.68	0.73	0.43	0.58	0.9		0.87	0.75	-0.17	0.92	0.84	0.43	0.75	-0.35	0.76	0.93	0.78	-0.62	-0.58	0.2	-0.14	0.76	0.36
Non Current Assets Total	-0.27	0.62	0.72	0.93	0.96	0.26	0.83	0.86	0.87		0.91	-0.41	0.69	0.83	0.14	0.8	-0.52	0.64	0.72	0.95	-0.68	-0.37	0.25	-0.15	0.68	0.08
Non Currrent Assets Other	-0.43	0.37	0.58	0.85	0.89	-0.02	0.83	0.67	0.75	0.91		-0.6	0.55	0.65	-0.06	0.59	-0.57	0.4	0.58	0.97	-0.51	-0.14	0.38	0.08	0.52	0.04
Other Assets	0.7	0.23	-0.03	-0.4	-0.43	0.48	-0.47	-0.16	-0.17	-0.41	-0.6		0.05	-0.09	0.48	-0.17	0.63	0.21	0.02	-0.6	0.33	-0.43	-0.46	0.07	0.11	0.26
Cash And Short Term Investments	0.28	0.81	0.79	0.43	0.49	0.65	0.46	0.87	0.92	0.69	0.55	0.05		0.74	0.74	0.61	-0.02	0.81	1.0	0.59	-0.47	-0.81	0.12	-0.12	0.82	0.53
Net Receivables	-0.03	0.86	0.87	0.75	0.77	0.54	0.68	0.87	0.84	0.83	0.65	-0.09	0.74		0.39	0.78	-0.44	0.87	0.76	0.7	-0.7	-0.55	-0.2	-0.27	0.77	0.18
Short Term Investments	0.79	0.74	0.61	-0.13	-0.09	0.89	0.1	0.5	0.43	0.14	-0.06	0.48	0.74	0.39		0.2	0.53	0.71	0.71	0.01	-0.07	-0.91	-0.3	-0.1	0.68	0.6
Non Current Liabilities Total	-0.2	0.66	0.65	0.74	0.76	0.31	0.57	0.75	0.75	0.8	0.59	-0.17	0.61	0.78	0.2		-0.5	0.69	0.63	0.69	-0.66	-0.37	0.02	-0.32	0.56	0.14
Other Stockholder Equity	0.9	0.04	-0.07	-0.63	-0.63	0.46	-0.31	-0.32	-0.35	-0.52	-0.57	0.63	-0.02	-0.44	0.53	-0.5		0.0	-0.06	-0.55	0.69	-0.45	-0.27	0.38	0.07	0.4
Total Liab	0.41	1.0	0.95	0.49	0.51	0.84	0.58	0.79	0.76	0.64	0.4	0.21	0.81	0.87	0.71	0.69	0.0		0.81	0.48	-0.39	-0.83	-0.41	-0.12	0.87	0.47
Total Current Assets	0.25	0.81	0.8	0.46	0.52	0.64	0.49	0.89	0.93	0.72	0.58	0.02	1.0	0.76	0.71	0.63	-0.06	0.81		0.62	-0.5	-0.8	0.13	-0.14	0.83	0.51
Short Term Debt	-0.38	0.45	0.63	0.89	0.92	0.09	0.87	0.76	0.78	0.95	0.97	-0.6	0.59	0.7	0.01	0.69	-0.55	0.48	0.62		-0.61	-0.22	0.37	-0.08	0.59	-0.01
Intangible Assets	0.43	-0.38	-0.36	-0.64	-0.67	-0.14	-0.35	-0.76	-0.62	-0.68	-0.51	0.33	-0.47	-0.7	-0.07	-0.66	0.69	-0.39	-0.5	-0.61		0.16	-0.26	0.7	-0.38	0.21
Common Stock	-0.74	-0.85	-0.75	-0.14	-0.18	-0.92	-0.33	-0.67	-0.58	-0.37	-0.14	-0.43	-0.81	-0.55	-0.91	-0.37	-0.45	-0.83	-0.8	-0.22	0.16		0.22	0.02	-0.83	-0.59
Common Stock Total Equity	-0.48	-0.42	-0.32	0.19	0.22	-0.49	0.0	0.16	0.2	0.25	0.38	-0.46	0.12	-0.2	-0.3	0.02	-0.27	-0.41	0.13	0.37	-0.26	0.22		-0.03	-0.16	-0.15
Other Liab	0.2	-0.13	0.04	-0.16	-0.16	-0.16	0.14	-0.37	-0.14	-0.15	0.08	0.07	-0.12	-0.27	-0.1	-0.32	0.38	-0.12	-0.14	-0.08	0.7	0.02	-0.03		-0.09	0.46
Accounts Payable	0.41	0.88	0.88	0.52	0.56	0.77	0.66	0.81	0.76	0.68	0.52	0.11	0.82	0.77	0.68	0.56	0.07	0.87	0.83	0.59	-0.38	-0.83	-0.16	-0.09		0.27
Long Term Debt	0.51	0.48	0.47	-0.17	-0.13	0.45	0.1	0.21	0.36	0.08	0.04	0.26	0.53	0.18	0.6	0.14	0.4	0.47	0.51	-0.01	0.21	-0.59	-0.15	0.46	0.27

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Citigroup Account Relationship Matchups

Citigroup fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	2.3T	2.4T	2.4T	2.4T	2.7T	1.5T
Other Current Liab	1.5T	1.5T	1.5T	1.4T	1.1T	1.1T
Net Debt	211.6B	179.1B	341.3B	314.0B	366.2B	230.4B
Retained Earnings	184.9B	194.7B	198.9B	206.3B	215.1B	225.9B
Cash	262.0B	342.0B	260.9B	276.5B	349.6B	367.1B
Other Assets	816.0B	1.0T	387.5B	(4.2B)	(4.8B)	(4.6B)
Net Receivables	54.8B	54.5B	54.2B	51.1B	62.7B	36.1B
Total Liab	2.1T	2.2T	2.2T	2.1T	2.4T	1.4T
Total Current Assets	596.1B	635.3B	560.2B	549.1B	738.1B	775.0B
Short Term Debt	219.3B	249.5B	315.6B	303.3B	400.0B	420.0B
Intangible Assets	4.5B	4.4B	4.4B	4.5B	4.3B	4.1B
Other Liab	54.6B	59.9B	74.9B	84.8B	76.3B	106.6B
Accounts Payable	61.4B	69.2B	63.5B	66.6B	74.8B	62.4B
Long Term Debt	254.4B	271.6B	286.6B	287.3B	315.8B	319.9B
Inventory	(1.0T)	(1.0T)	(1.2T)	(1.1T)	(1.0T)	(982.0B)
Good Will	21.3B	19.7B	20.1B	19.3B	19.1B	20.2B
Net Tangible Assets	148.3B	153.1B	157.6B	158.7B	182.6B	172.2B
Long Term Debt Total	254.4B	271.6B	275.1B	278.8B	315.8B	287.7B
Capital Surpluse	108.0B	108.5B	109.0B	109.1B	108.5B	117.6B

Citigroup Thematic Clasifications

Citigroup is part of several thematic ideas from FinTech to Momentum. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas

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	Momentum		View
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	Baby Boomer Prospects		View
	Investor Favorites		View

Today, most investors in Citigroup Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citigroup's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Citigroup growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.79

At present, Citigroup's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Citigroup February 4, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Citigroup help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Citigroup. We use our internally-developed statistical techniques to arrive at the intrinsic value of Citigroup based on widely used predictive technical indicators. In general, we focus on analyzing Citigroup Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Citigroup's daily price indicators and compare them against related drivers.

	Downside Deviation	1.74
	Information Ratio	0.1493
	Maximum Drawdown	8.93
	Value At Risk	(2.21)
	Potential Upside	2.82

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When running Citigroup's price analysis, check to measure Citigroup's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citigroup is operating at the current time. Most of Citigroup's value examination focuses on studying past and present price action to predict the probability of Citigroup's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citigroup's price. Additionally, you may evaluate how the addition of Citigroup to your portfolios can decrease your overall portfolio volatility.

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Citigroup Financials

Citigroup Balance Sheet Chart

Net Income

9.17 Billion

Citigroup Earnings Geography

Citigroup Stock Summary

Citigroup Key Financial Ratios

Citigroup Key Balance Sheet Accounts

Citigroup Key Income Statement Accounts

Citigroup Key Cash Accounts

Citigroup Financial Ratios Relationships

Citigroup's Earnings Breakdown by Geography

Citigroup fundamental ratios Correlations

Citigroup Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Citigroup fundamental ratios Accounts

Citigroup Thematic Clasifications

Price Earnings To Growth Ratio

0.79

Citigroup February 4, 2026 Opportunity Range

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Total Current Liabilities	+ 1.0	Other Current Liab
Total Current Assets	+ 1.0	Cash And Short Term Investments
Short Term Debt	+ 0.97	Non Currrent Assets Other
Non Current Assets Total	+ 0.96	Total Current Liabilities
Total Liab	+ 0.95	Short Long Term Debt Total

Common Stock	- 0.92	Total Stockholder Equity
Common Stock	- 0.91	Short Term Investments
Common Stock	- 0.85	Total Assets
Accounts Payable	- 0.83	Common Stock
Common Stock	- 0.83	Total Liab
Common Stock	- 0.81	Cash And Short Term Investments