Skip to main content
Assets
Citigroup logo
C.NYSE
Citigroup
Financials · Diversified Banks

Global financial services company providing consumers, corporations, governments, and institutions with banking and financial products worldwide.

HQ: United StatesListed: United States

Profile & Fundamentals

Citigroup: Company identity, ownership, reported financial performance, balance sheets, and corporate actions.

Profile & Fundamentals

Citigroup Profile & Fundamentals

Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.

Interactive annual chartsAI financial reviewsReported source tables
Explore this pageJump to a Profile & Fundamentals section

Explore this research

Profile & Fundamentals contents

Company and Market Context

Company Profile & Ownership

Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.

C.NYSE

Company profile record

Citigroup Inc.

Common Stock · Financials · Diversified Banks

Official website

Company

Company / asset
Citigroup Inc.
Security type
Common Stock
Sector
Financials
Industry
Diversified Banks
HQ
🇺🇸 United States
Head office
388 Greenwich Street, New York, NY, United States, 10013

Leadership & scale

Chief executive
Ms. Jane Nind Fraser Ph.D.
CEO year born
1968
Full-time employees
219K
Fiscal year end
December
IPO date
1977-01-03

Fundamentals snapshot

Updated 2026-09-27
Market Cap
USD 223.1B
P/E
12.5x
Revenue (Q2 26)
USD 45.3B
Profit (Q2 26)
USD 5.8B
Dividend Yield
1.3%
Revenue (FY 25)
USD 168.3B
Shares in public float
1.7B
Insider ownership
0.27%

Reporting & identifiers

Symbol
C.NYSE
Listing
🇺🇸 United States | Dividend Tax: 30%
Ticker Currency
USD
Income Statement Currency
USD
Balance Sheet Currency
USD
Cash Flow Currency
USD
EPS Currency
USD
Contract Type
SPOT
ISIN
US1729674242
Asset ID
equity_7672b425-c92b-5d8a-81ab-c60724a958d0

Ownership

Shares Outstanding

Latest: 1.7B | Max: 2.6B | Min: 1.7B

Shares Outstanding
3.3B2.5B1.6B821.0M0.00
1.7B
'17
'19
'21
'23
'25
'26

Latest reported ownership snapshot

As of Oct 1, 2026

Float Shares

96.37%

1.7B latest reported shares

Insider Ownership

0.27%

Latest reported insider stake

Short Float

0.00%

Latest reported short interest / float

Top Holders

Top 5 concentration: 26.29%
BlackRock Inc
institution
Filed 2026-03-31 • Change -7.9M (-4.86%)
9.17%(153.8M shares)
Vanguard Capital Management, LLC
institution
Filed 2026-03-31 • Change +109.7M (0.00%)
6.54%(109.7M shares)
State Street Corp
institution
Filed 2026-03-31 • Change -1.9M (-2.34%)
4.65%(78.0M shares)
Vanguard MStar Total Stk Mkt Idx Invest
fund
Filed 2026-08-31 • Change +1.9M (+3.67%)
3.23%(54.2M shares)
Vanguard 500 Index Investor
fund
Filed 2026-08-31 • Change +2.2M (+5.09%)
2.70%(45.3M shares)
Geode Capital Management, LLC
institution
Filed 2026-03-31 • Change -939.6K (-2.17%)
2.52%(42.3M shares)
Franklin Templeton Inc
institution
Filed 2026-03-31 • Change +4.8M (+13.96%)
2.32%(39.0M shares)
Source tablesView ownership tables

Shares Outstanding

Annual reported shares outstanding; up to 10 reporting dates.

Scroll the table to see every column.

Shares outstanding — reported values
Reporting dateShares outstanding
2017-01-012,606,200,000
2018-01-012,402,700,000
2019-01-012,166,800,000
2020-01-012,095,700,000
2021-01-012,001,600,000
2022-01-011,955,900,000
2023-01-011,909,700,000
2024-01-011,931,000,000
2025-01-011,862,600,000
2026-01-011,735,600,000

Top Holders

Available reported ownership records.

Scroll the table to see every column.

Largest reported holders
HolderSharesOwnershipReported date
BlackRock Inc153,780,3169.17%2026-03-31
Vanguard Capital Management, LLC109,658,3566.54%2026-03-31
State Street Corp78,042,6484.65%2026-03-31
Vanguard MStar Total Stk Mkt Idx Invest54,199,8223.23%2026-08-31
Vanguard 500 Index Investor45,295,3612.7%2026-08-31
Geode Capital Management, LLC42,312,7822.52%2026-03-31
Franklin Templeton Inc38,971,3152.32%2026-03-31
Fisher Asset Management, LLC36,456,1622.17%2026-06-30
Capital World Investors33,626,4212%2026-06-30
Vanguard Portfolio Management, LLC32,457,7461.94%2026-03-31
FMR Inc29,956,2621.79%2026-03-31
Morgan Stanley - Brokerage Accounts27,842,0861.66%2026-03-31
Bank of America Corp26,869,0121.6%2026-03-31
T. Rowe Price Associates, Inc.26,431,6431.58%2026-03-31
Bank of New York Mellon Corp23,434,7851.4%2026-03-31

Earnings, Profitability & Valuation

Earnings, Profitability & Valuation

Earnings & Revenue

Earnings and Revenue Trajectory

AI Review

Citigroup's earnings have rebounded smartly as multi-year restructuring efforts take effect. Trailing twelve-month net income reached 17.84 billion dollars, supported by solid second-quarter results showing 5.83 billion dollars in earnings on 24.8 billion dollars of net revenue. Growth is spearheaded by institutional treasury services and a strong recovery in investment banking underwriting, which outpaced rising retail credit card charge-offs. This earnings revival demonstrates that corporate de-layering and the sale of sub-scale international consumer units are reducing operational drag. However, investors should focus on bank-native pre-provision profits rather than gross interest revenue metrics, as rising consumer credit provisions will require steady institutional fee growth to sustain double-digit equity returns.

Revenue, Net Income, and Free Cash Flow

Latest: USD 168.3B | Max: USD 170.7B | Min: USD -80.0B

RevenueFree Cash FlowNet Income
USD 235.9BUSD 149.4BUSD 62.9BUSD 0.00USD -110.1B
168.3B
-74.2B
14.3B
'16
'18
'20
'22
'24
'25

Valuation

P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.

Latest: 15x

17x13x8x4x0x
6x
11x
15x
'21'23'25

Profitability & Margins

Margins and Operating Efficiency

AI Review

Profitability has improved noticeably, with return on tangible common equity reaching 13.0 percent in recent quarters compared to less than nine percent in 2025. The bank's efficiency ratio improved to 57.4 percent, proving that revenue growth is finally outpacing operational expense increases as stranded costs from exited foreign consumer franchises roll off. This margin expansion is largely structural, driven by premier corporate payment services that deliver segment returns above twenty-five percent. Nevertheless, future margin gains will face friction as commercial depositors demand higher interest rates on cash balances and credit card loan losses normalize, stabilizing overall bank returns near eleven to thirteen percent.

Profitability Margins

Latest: 44.6% | Max: 94.9% | Min: -7.6%

Gross MarginOperating MarginNet Margin
121.5%86.2%50.8%15.4%0.0%-19.9%
44.6%
11.8%
8.5%
'16
'18
'20
'22
'24
'25

Latest Profitability Ratios as of 2025-12-31

Gross Margin

44.6%

Gross profit / revenue

Operating Margin

11.8%

Operating income / revenue

Net Margin

8.5%

Net income / revenue

FCF Margin

-44.1%

Free cash flow / revenue

Source tablesView earnings, profitability & valuation tables

Revenue, Net Income, and Free Cash Flow

Annual reported results, using the source statement's recorded USD conversion. Up to 10 reporting periods; missing values are not estimated.

Scroll the table to see every column.

Annual earnings and cash flow
Period endRevenue (USD)Net income (USD)Free cash flow (USD)
2016-12-3183,309,000,00014,912,000,00051,176,000,000
2017-12-3188,962,000,000-6,798,000,000-12,135,000,000
2018-12-3197,120,000,00018,045,000,00033,178,000,000
2019-12-31103,449,000,00019,401,000,000-18,173,000,000
2020-12-3188,832,000,00011,047,000,000-24,067,000,000
2021-12-3179,868,000,00021,952,000,00057,130,000,000
2022-12-31100,220,000,00014,845,000,00019,437,000,000
2023-12-31155,382,000,0009,228,000,000-79,999,000,000
2024-12-31170,707,000,00012,682,000,000-26,169,000,000
2025-12-31168,285,000,00014,306,000,000-74,152,000,000

Published P/E Ratio

Published valuation snapshots retain each observation's earnings basis.

Scroll the table to see every column.

Published valuation snapshots
Period endP/E (times earnings)Earnings basis
2025-12-3115.19Trailing four quarters
2024-12-3110.72Trailing four quarters
2023-12-3110.65Trailing four quarters
2022-12-315.96Annual net income
2021-12-315.51Annual net income

Profitability Margins

Matching annual reporting dates. Values are percentages.

Scroll the table to see every column.

Annual profitability margins
Period endGross margin (%)Operating margin (%)Net margin (%)Free cash flow margin (%)
2016-12-3176.8525.7817.961.43
2017-12-3173.1825.59-7.64-13.64
2018-12-3167.3324.1418.5834.16
2019-12-3164.5323.118.75-17.57
2020-12-3165.4315.3512.44-27.09
2021-12-3194.8834.3927.4971.53
2022-12-3169.2218.7714.8119.39
2023-12-3143.78.315.94-51.49
2024-12-3141.669.997.43-15.33
2025-12-3144.611.788.5-44.06

Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Source: eodhd. Snapshot retrieved 2026-09-29.

Use is subject to the iPulse AI Terms of Service and applicable source rights. Missing inputs are not estimated. Full access includes the remaining records, research and interactive tools.

Complete Research Workspace

Unlock the complete Profile & Fundamentals

Sign in to verify your access, or upgrade to the Base plan to open the complete profile & fundamentals and available source data.