FFilingSight

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Citigroup Inc.

CFinancials

Generated Sep 5, 2026, 01:35 PM UTC

analytical score -2

C (Citigroup Inc.) analytical snapshot. Revenue grew +5.0% YoY to $85.22B. 5-year revenue CAGR +3.5%; 10y CAGR +2.2%. Net margin at 16.79% (contracting ▼). Market cap $240.92B at $137.72 per share. Trailing P/E 19.70, P/S 2.83, P/B 1.13. EV/Operating income ≈ 25.76 (EV $368.64B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -2 (data confidence 81%). Descriptive analytics from public filings — not investment advice.

Market cap
$240.92B
1.75B shares
Price
$137.72
NYQ
P/E (ttm)
19.70
Revenue (FY)
$85.22B
YoY +5.0%
Net margin
16.79%
▼ 2.92pp
Free cash flow
-$74.15B
-87.01% margin
Risk level
Elevated

Free SEC analysis

— computed from SEC filings, free to read
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 25Improving
80% conf

Recent insider Form 4s: 0 buy vs 0 sell transactions. ~10,000+ recent 13F-HR filings reference Citigroup Inc.; broad institutional reporting. Recent filers include MM Capital LLC, RBC cees Trustee LTD, RBC cees Trustee LTD.

  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
  • ~10,000+ recent 13F-HR filings reference Citigroup Inc.; broad institutional reporting.
  • Recent filers include MM Capital LLC, RBC cees Trustee LTD, RBC cees Trustee LTD.
  • 20 recent 13D activist/beneficial-ownership filings — potential catalyst.
Latest 10-K
—
Latest 10-Q
—
8-K (recent)
0
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
20
Recent 13F institutional filers (SEC EDGAR full-text)
FilerFormFiled
MM Capital LLC13F-HRFeb 16, 2010
RBC cees Trustee LTD13F-HRMay 6, 2009
RBC cees Trustee LTD13F-HRNov 12, 2009
RBC TRUSTEES (C.I.) LTD13F-HRFeb 13, 2009
RBC cees Trustee LTD13F-HRAug 14, 2009
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -15Deteriorating
62% conf

1 risk signal(s) detected from XBRL filing diff analysis. 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.

  • NEW: Restatement of financial statements in latest filing: The term "restatement of" "previously issued" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 2 filing(s).
  • Endogenous analysis: 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
  • 20 new XBRL disclosure(s) in latest filing — expanding reporting scope.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • 1 new risk-language term(s) detected in filing text: Restatement of financial statements.
Revenue
$85.22B
+5.0% YoY
Operating income
$14.31B
+12.8% YoY
Net income
$14.31B
+12.8% YoY
Operating cash flow
$-67.63B
-243.9% YoY
Capex
$6.52B
+0.3% YoY
Total assets
$2.66T
+12.9% YoY
Total liabilities
$2.44T
+14.0% YoY
Long-term debt
$315.83B
+9.9% YoY
Filing quality score
75/100
20 new disclosures
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$81.14B$85.22B$4.09B+5.0%
Operating income$12.68B$14.31B$1.63B+12.8%
Net income$12.68B$14.31B$1.62B+12.8%
Operating cash flow$-19.67B$-67.63B$-47.96B-243.9%
Capex$6.50B$6.52B$20.0M+0.3%
Total assets$2.35T$2.66T$304.26B+12.9%
Total liabilities$2.14T$2.44T$299.80B+14.0%
Long-term debt$287.30B$315.83B$28.53B+9.9%
Cash & equivalents$276.53B$349.58B$73.05B+26.4%
Stockholders equity$208.60B$212.29B$3.69B+1.8%
Interest expense$25.74B$78.36B$52.62B+204.4%
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
AddedDebtSecuritiesAvailableForSaleRealizedGainLoss, DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss, EffectiveIncomeTaxRateReconciliationCrossBorderOtherAmount, EffectiveIncomeTaxRateReconciliationCrossBorderOtherPercent, EffectiveIncomeTaxRateReconciliationGiltiAmount, EffectiveIncomeTaxRateReconciliationGiltiPercent, EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther, EffectiveIncomeTaxRateReconciliationTaxContingencies, EffectiveIncomeTaxRateReconciliationTaxCreditsForeign, EffectiveIncomeTaxRateReconciliationTaxCreditsOther
RemovedCashDivestedFromDeconsolidation, ClosedPortfolioAndBeneficialInterestLastOfLayerAmortizedCost, DefinedBenefitPlanActuarialGainLoss, DerivativeAssetFairValueOffsetAgainstCollateralNetOfNotSubjectToMasterNettingArrangementPolicyElection, DerivativeLiabilityFairValueOffsetAgainstCollateralNetOfNotSubjectToMasterNettingArrangementPolicyElection, DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss, EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance, EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential, EffectiveIncomeTaxRateReconciliationNondeductibleExpense, EffectiveIncomeTaxRateReconciliationOtherAdjustments
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Restatement of financial statementshigh20NEW
Impairment chargemedium53Ongoing
Restructuringmedium58Ongoing
Off-balance sheet arrangementsmedium58Ongoing
Related party transactionslow52Ongoing
Filing signal breakdown
Red flags: 1
Positive: 0
Watch: 0
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score -20Deteriorating
80% conf

Revenue grew +5.0% YoY to $85.22B. 5-year revenue CAGR +3.5%; 10y CAGR +2.2%. Net margin at 16.79% (contracting ▼).

  • Revenue grew +5.0% YoY to $85.22B.
  • 5-year revenue CAGR +3.5%; 10y CAGR +2.2%.
  • Net margin at 16.79% (contracting ▼).
  • Return on equity 6.74%, ROA 0.54%, ROIC 2.71%.
  • Gross margin 0.00%, operating margin 16.79%.
  • Free cash flow margin -87.01% (-$74.15B).
  • Net income up ▲ +12.8% YoY.
  • Debt/equity 1.49, current ratio —, net debt $127.72B.
  • Asset turnover 0.03 — capital efficiency.
Revenue (FY)
$85.22B
YoY +5.0%
Net margin
16.79%
▼ 2.92pp
ROE
6.74%
ROA 0.54%
ROIC
2.71%
EPS (diluted)
$6.99
FY2025
Free cash flow
-$74.15B
-87.01% margin
Debt / equity
1.49
Cash $188.10B
Current ratio
—
Equity $212.29B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2024$81.14B+3.4%0.0015.6315.63-$26.17B6.08
2025$85.22B+5.0%0.0016.7916.79-$74.15B6.74
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Mar 31, 2024$21.02B-2.0%—16.04%
Jun 30, 2024$20.03B+3.1%-4.7%16.06%
Sep 30, 2024$20.21B+0.3%+0.9%16.02%
Mar 31, 2025$21.60B+2.8%+6.9%18.82%
Jun 30, 2025$21.67B+8.2%+0.3%18.55%
Sep 30, 2025$22.09B+9.3%+1.9%16.99%
Sources:SEC EDGAR — Company Facts (XBRL)
+8 more years of history, charts & full breakdown Pro

Pro analysis — preview

— score, signals & key metrics shown; full reasoning locked

Valuation

Valuation Analyst
score 0Stable
95% conf

Market cap $240.92B at $137.72 per share. Trailing P/E 19.70, P/S 2.83, P/B 1.13. EV/Operating income ≈ 25.76 (EV $368.64B).

  • Market cap $240.92B at $137.72 per share.
Market cap
$240.92B
1.75B shares
P/E (ttm)
19.70
P/S
2.83
P/B
1.13
EV
$368.64B
Intrinsic (DCF)
—
ProFull breakdown & reasoning locked

Price & Technicals

Technical Analyst
score 45Improving
85% conf

Price $137.72 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 48.21.

  • Price $137.72 — uptrend (above 200-DMA); 1-month momentum positive.
Price
$137.72
NYQ
RSI(14)
48.21
50-DMA
$135.29
200-DMA
$123.18
Volatility (ann.)
29.17%
52w range
$93.66–$147.96
-6.9% from high
ProFull breakdown & reasoning locked

Macro & Rates

Macro Analyst
score 30Improving
80% conf

Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.

  • Market regime: Risk-on · Supportive.
GDP growth
1.50%
CPI (YoY)
+3.3%
Fed funds
3.63%
10Y yield
4.77%
10Y−2Y
0.41pp
Unemployment
4.10%
ProFull breakdown & reasoning locked

Risk Scorecard

Risk Analyst
score -24Deteriorating
83% conf

Composite risk Elevated. Leverage debt/equity 1.49 (moderate). Earnings stability: net-margin stdev 18.35pp over 19y.

  • Composite risk: Elevated.
Risk level
Elevated
Debt / equity
1.49
Current ratio
—
Margin stdev
18.35pp
Cash / assets
7.08%
Liab / assets
91.95%
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Macro exposure

Rate-sensitive · High sensitivity
Neutral

Macro regime: Risk-on · Supportive. Citigroup Inc. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
14.32
Fed funds
3.63%
CPI YoY
+3.3%

Analytical read

deterministic preview

Price $137.72 — uptrend (above 200-DMA); 1-month momentum positive..

Risk
Elevated
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
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Peer comparison

Rate-sensitive group

How C stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

CompanyScoreMacro
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Allstate Corp. ALL28Neutral
Mastercard Inc. MA27Neutral
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Digital Realty Trust DLR11Neutral
U.S. Bancorp USB10Neutral
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Dominion Energy D8Neutral
Travelers Cos. TRV7Neutral
MetLife Inc. MET7Neutral
American Express Co. AXP5Neutral
Moody's Corp. MCO5Neutral
Welltower Inc. WELL5Neutral
JPMorgan Chase & Co. JPM4Neutral
Wells Fargo & Co. WFC1Neutral
PNC Financial Services PNC1Neutral
Truist Financial TFC1Neutral
Bank of America Corp. BAC0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Equity Residential EQR0Neutral
Citigroup Inc. C● you-2Neutral
BlackRock Inc. BLK-2Neutral
Prologis Inc. PLD-2Neutral
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American Electric Power AEP-9Neutral
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Morgan Stanley MS-11Neutral
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NextEra Energy NEE-13Neutral
Duke Energy Corp. DUK-14Neutral
Xcel Energy XEL-17Neutral
Southern Company SO-17Neutral
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