Citigroup Net Income
| C Stock | USD 110.86 0.29 0.26% |
As of the 15th of February 2026, Citigroup shows the Downside Deviation of 2.11, mean deviation of 1.44, and Risk Adjusted Performance of 0.0723. Citigroup technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Citigroup Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 6.8298 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 14.6 B | 9.4 B | |
| Net Income Applicable To Common Shares | 13 B | 9.8 B | |
| Net Income From Continuing Ops | 14.8 B | 12.6 B | |
| Net Income Per Share | 7.84 | 11.90 | |
| Net Income Per E B T | 0.72 | 0.63 |
Citigroup | Net Income | Build AI portfolio with Citigroup Stock |
Analyzing Citigroup's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Citigroup's current valuation and future prospects.
Latest Citigroup's Net Income Growth Pattern
Below is the plot of the Net Income of Citigroup over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Citigroup financial statement analysis. It represents the amount of money remaining after all of Citigroup operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Citigroup's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citigroup's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 12.68 B | 10 Years Trend |
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Net Income |
| Timeline |
Citigroup Net Income Regression Statistics
| Arithmetic Mean | 11,498,927,235 | |
| Coefficient Of Variation | 61.31 | |
| Mean Deviation | 5,119,488,810 | |
| Median | 12,682,000,000 | |
| Standard Deviation | 7,050,441,094 | |
| Sample Variance | 49708719.6T | |
| Range | 28.8B | |
| R-Value | 0.29 | |
| Mean Square Error | 48431451T | |
| R-Squared | 0.09 | |
| Significance | 0.25 | |
| Slope | 410,844,863 | |
| Total Sum of Squares | 795339514T |
Citigroup Net Income History
Other Fundumenentals of Citigroup
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Citigroup Net Income component correlations
Citigroup Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Citigroup is extremely important. It helps to project a fair market value of Citigroup Stock properly, considering its historical fundamentals such as Net Income. Since Citigroup's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Citigroup's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Citigroup's interrelated accounts and indicators.
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Will Diversified Banks sector continue expanding? Could Citigroup diversify its offerings? Factors like these will boost the valuation of Citigroup. Projected growth potential of Citigroup fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Citigroup data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.11) | Dividend Share 2.32 | Earnings Share 7 | Revenue Per Share | Quarterly Revenue Growth 0.037 |
Understanding Citigroup requires distinguishing between market price and book value, where the latter reflects Citigroup's accounting equity. The concept of intrinsic value - what Citigroup's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Citigroup's price substantially above or below its fundamental value.
It's important to distinguish between Citigroup's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citigroup should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Citigroup's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Citigroup 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Citigroup's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Citigroup.
| 11/17/2025 |
| 02/15/2026 |
If you would invest 0.00 in Citigroup on November 17, 2025 and sell it all today you would earn a total of 0.00 from holding Citigroup or generate 0.0% return on investment in Citigroup over 90 days. Citigroup is related to or competes with Mitsubishi UFJ, Royal Bank, Wells Fargo, Banco Santander, HSBC Holdings, and Toronto Dominion. Citigroup Inc., a diversified financial services holding company, provides various financial products and services to co... More
Citigroup Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Citigroup's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Citigroup upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 2.11 | |||
| Information Ratio | 0.0465 | |||
| Maximum Drawdown | 11.32 | |||
| Value At Risk | (3.34) | |||
| Potential Upside | 3.43 |
Citigroup Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citigroup's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Citigroup's standard deviation. In reality, there are many statistical measures that can use Citigroup historical prices to predict the future Citigroup's volatility.| Risk Adjusted Performance | 0.0723 | |||
| Jensen Alpha | 0.0506 | |||
| Total Risk Alpha | 0.0057 | |||
| Sortino Ratio | 0.0429 | |||
| Treynor Ratio | 0.0903 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Citigroup's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Citigroup February 15, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0723 | |||
| Market Risk Adjusted Performance | 0.1003 | |||
| Mean Deviation | 1.44 | |||
| Semi Deviation | 1.92 | |||
| Downside Deviation | 2.11 | |||
| Coefficient Of Variation | 1214.23 | |||
| Standard Deviation | 1.95 | |||
| Variance | 3.8 | |||
| Information Ratio | 0.0465 | |||
| Jensen Alpha | 0.0506 | |||
| Total Risk Alpha | 0.0057 | |||
| Sortino Ratio | 0.0429 | |||
| Treynor Ratio | 0.0903 | |||
| Maximum Drawdown | 11.32 | |||
| Value At Risk | (3.34) | |||
| Potential Upside | 3.43 | |||
| Downside Variance | 4.47 | |||
| Semi Variance | 3.71 | |||
| Expected Short fall | (1.40) | |||
| Skewness | (0.10) | |||
| Kurtosis | 1.46 |
Citigroup Backtested Returns
Citigroup appears to be very steady, given 3 months investment horizon. Citigroup secures Sharpe Ratio (or Efficiency) of 0.11, which signifies that the company had a 0.11 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Citigroup, which you can use to evaluate the volatility of the firm. Please makes use of Citigroup's Risk Adjusted Performance of 0.0723, downside deviation of 2.11, and Mean Deviation of 1.44 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Citigroup holds a performance score of 9. The firm shows a Beta (market volatility) of 1.67, which signifies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Citigroup will likely underperform. Please check Citigroup's sortino ratio, potential upside, skewness, as well as the relationship between the maximum drawdown and semi variance , to make a quick decision on whether Citigroup's price patterns will revert.
Auto-correlation | -0.2 |
Insignificant reverse predictability
Citigroup has insignificant reverse predictability. Overlapping area represents the amount of predictability between Citigroup time series from 17th of November 2025 to 1st of January 2026 and 1st of January 2026 to 15th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Citigroup price movement. The serial correlation of -0.2 indicates that over 20.0% of current Citigroup price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.2 | |
| Spearman Rank Test | -0.33 | |
| Residual Average | 0.0 | |
| Price Variance | 13.77 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Citigroup Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Citigroup reported net income of 12.68 B. This is much higher than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is significantly lower than that of the firm.
Citigroup Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citigroup's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Citigroup could also be used in its relative valuation, which is a method of valuing Citigroup by comparing valuation metrics of similar companies.Citigroup is currently under evaluation in net income category among its peers.
Citigroup ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Citigroup's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Citigroup's managers, analysts, and investors.Environmental | Governance | Social |
Citigroup Institutional Holders
Institutional Holdings refers to the ownership stake in Citigroup that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Citigroup's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Citigroup's value.| Shares | Bank Of New York Mellon Corp | 2025-06-30 | 23.9 M | Fmr Inc | 2025-06-30 | 23.9 M | Northern Trust Corp | 2025-06-30 | 20.3 M | Massachusetts Financial Services Company | 2025-06-30 | 17.6 M | Greenhaven Associates Inc | 2025-06-30 | 16.2 M | Harris Associates L.p. | 2025-06-30 | 16.1 M | Amvescap Plc. | 2025-06-30 | 15.9 M | Ameriprise Financial Inc | 2025-06-30 | 15.2 M | Ubs Asset Mgmt Americas Inc | 2025-06-30 | 14.3 M | Vanguard Group Inc | 2025-06-30 | 165.9 M | Blackrock Inc | 2025-06-30 | 165.4 M |
Citigroup Fundamentals
| Return On Equity | 0.0683 | ||||
| Return On Asset | 0.0058 | ||||
| Profit Margin | 0.19 % | ||||
| Operating Margin | 0.22 % | ||||
| Current Valuation | (311.8 B) | ||||
| Shares Outstanding | 1.75 B | ||||
| Shares Owned By Insiders | 0.25 % | ||||
| Shares Owned By Institutions | 80.56 % | ||||
| Number Of Shares Shorted | 25.77 M | ||||
| Price To Earning | 6.50 X | ||||
| Price To Book | 1.01 X | ||||
| Price To Sales | 2.62 X | ||||
| Revenue | 168.3 B | ||||
| Gross Profit | 75.72 B | ||||
| EBITDA | 23.1 B | ||||
| Net Income | 12.68 B | ||||
| Cash And Equivalents | 990.92 B | ||||
| Cash Per Share | 511.61 X | ||||
| Total Debt | 715.8 B | ||||
| Debt To Equity | 0.91 % | ||||
| Book Value Per Share | 110.01 X | ||||
| Cash Flow From Operations | (19.67 B) | ||||
| Short Ratio | 1.82 X | ||||
| Earnings Per Share | 7.00 X | ||||
| Price To Earnings To Growth | 0.86 X | ||||
| Target Price | 134.62 | ||||
| Number Of Employees | 226 K | ||||
| Beta | 1.14 | ||||
| Market Capitalization | 198.36 B | ||||
| Total Asset | 2.66 T | ||||
| Retained Earnings | 215.13 B | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 3.01 % | ||||
| Net Asset | 2.66 T | ||||
| Last Dividend Paid | 2.32 |
About Citigroup Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citigroup's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citigroup using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citigroup based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Diversified Banks sector continue expanding? Could Citigroup diversify its offerings? Factors like these will boost the valuation of Citigroup. Projected growth potential of Citigroup fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Citigroup data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.11) | Dividend Share 2.32 | Earnings Share 7 | Revenue Per Share | Quarterly Revenue Growth 0.037 |
Understanding Citigroup requires distinguishing between market price and book value, where the latter reflects Citigroup's accounting equity. The concept of intrinsic value - what Citigroup's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Citigroup's price substantially above or below its fundamental value.
It's important to distinguish between Citigroup's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citigroup should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Citigroup's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.