Global financial services company providing consumers, corporations, governments, and institutions with banking and financial products worldwide.
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.
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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.
Company profile record
Citigroup Inc.
Common Stock · Financials · Diversified Banks
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
- 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
Latest reported ownership snapshot
As of Oct 1, 2026Float 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
Source tablesView ownership tables
Shares Outstanding
Annual reported shares outstanding; up to 10 reporting dates.
Scroll the table to see every column.
| Reporting date | Shares outstanding |
|---|---|
| 2017-01-01 | 2,606,200,000 |
| 2018-01-01 | 2,402,700,000 |
| 2019-01-01 | 2,166,800,000 |
| 2020-01-01 | 2,095,700,000 |
| 2021-01-01 | 2,001,600,000 |
| 2022-01-01 | 1,955,900,000 |
| 2023-01-01 | 1,909,700,000 |
| 2024-01-01 | 1,931,000,000 |
| 2025-01-01 | 1,862,600,000 |
| 2026-01-01 | 1,735,600,000 |
Top Holders
Available reported ownership records.
Scroll the table to see every column.
| Holder | Shares | Ownership | Reported date |
|---|---|---|---|
| BlackRock Inc | 153,780,316 | 9.17% | 2026-03-31 |
| Vanguard Capital Management, LLC | 109,658,356 | 6.54% | 2026-03-31 |
| State Street Corp | 78,042,648 | 4.65% | 2026-03-31 |
| Vanguard MStar Total Stk Mkt Idx Invest | 54,199,822 | 3.23% | 2026-08-31 |
| Vanguard 500 Index Investor | 45,295,361 | 2.7% | 2026-08-31 |
| Geode Capital Management, LLC | 42,312,782 | 2.52% | 2026-03-31 |
| Franklin Templeton Inc | 38,971,315 | 2.32% | 2026-03-31 |
| Fisher Asset Management, LLC | 36,456,162 | 2.17% | 2026-06-30 |
| Capital World Investors | 33,626,421 | 2% | 2026-06-30 |
| Vanguard Portfolio Management, LLC | 32,457,746 | 1.94% | 2026-03-31 |
| FMR Inc | 29,956,262 | 1.79% | 2026-03-31 |
| Morgan Stanley - Brokerage Accounts | 27,842,086 | 1.66% | 2026-03-31 |
| Bank of America Corp | 26,869,012 | 1.6% | 2026-03-31 |
| T. Rowe Price Associates, Inc. | 26,431,643 | 1.58% | 2026-03-31 |
| Bank of New York Mellon Corp | 23,434,785 | 1.4% | 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.
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
Valuation
P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.
Latest: 15x
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 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%
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.
| Period end | Revenue (USD) | Net income (USD) | Free cash flow (USD) |
|---|---|---|---|
| 2016-12-31 | 83,309,000,000 | 14,912,000,000 | 51,176,000,000 |
| 2017-12-31 | 88,962,000,000 | -6,798,000,000 | -12,135,000,000 |
| 2018-12-31 | 97,120,000,000 | 18,045,000,000 | 33,178,000,000 |
| 2019-12-31 | 103,449,000,000 | 19,401,000,000 | -18,173,000,000 |
| 2020-12-31 | 88,832,000,000 | 11,047,000,000 | -24,067,000,000 |
| 2021-12-31 | 79,868,000,000 | 21,952,000,000 | 57,130,000,000 |
| 2022-12-31 | 100,220,000,000 | 14,845,000,000 | 19,437,000,000 |
| 2023-12-31 | 155,382,000,000 | 9,228,000,000 | -79,999,000,000 |
| 2024-12-31 | 170,707,000,000 | 12,682,000,000 | -26,169,000,000 |
| 2025-12-31 | 168,285,000,000 | 14,306,000,000 | -74,152,000,000 |
Published P/E Ratio
Published valuation snapshots retain each observation's earnings basis.
Scroll the table to see every column.
| Period end | P/E (times earnings) | Earnings basis |
|---|---|---|
| 2025-12-31 | 15.19 | Trailing four quarters |
| 2024-12-31 | 10.72 | Trailing four quarters |
| 2023-12-31 | 10.65 | Trailing four quarters |
| 2022-12-31 | 5.96 | Annual net income |
| 2021-12-31 | 5.51 | Annual net income |
Profitability Margins
Matching annual reporting dates. Values are percentages.
Scroll the table to see every column.
| Period end | Gross margin (%) | Operating margin (%) | Net margin (%) | Free cash flow margin (%) |
|---|---|---|---|---|
| 2016-12-31 | 76.85 | 25.78 | 17.9 | 61.43 |
| 2017-12-31 | 73.18 | 25.59 | -7.64 | -13.64 |
| 2018-12-31 | 67.33 | 24.14 | 18.58 | 34.16 |
| 2019-12-31 | 64.53 | 23.1 | 18.75 | -17.57 |
| 2020-12-31 | 65.43 | 15.35 | 12.44 | -27.09 |
| 2021-12-31 | 94.88 | 34.39 | 27.49 | 71.53 |
| 2022-12-31 | 69.22 | 18.77 | 14.81 | 19.39 |
| 2023-12-31 | 43.7 | 8.31 | 5.94 | -51.49 |
| 2024-12-31 | 41.66 | 9.99 | 7.43 | -15.33 |
| 2025-12-31 | 44.6 | 11.78 | 8.5 | -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.
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