Quality Scorecard Transitional
Transitional-stage checklist (proxy metrics from yfinance). 10 of 12 criteria scored. Not financial advice.
Buy-Now Score
Comparative rank: 40% Quality + 30% Trajectory + 30% Valuation — higher = better buy now. Not financial advice.
Valuation
Analyst: 21 analysts. MarketGist fair = analyst consensus only (no DCF — financial, or no free-cash-flow data). Not financial advice.
Key Trends (6-yr)
Company Overview
Basic Information
Company Details
Business Description
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.
Key Metrics
Price & Valuation
Profitability
Financial Health
Trading & Analyst Info
52-Week Range
Analyst Recommendations
Price graph
Price vs Rates, Inflation & Volume (long-term)
Fundamental Trends
Quarterly Verdict
Heuristic from the Quality Scorecard + quarter-over-quarter trends. Not financial advice.
Financial Statements
Income Statement (Annual)
| Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $-298.37M | $-192.66M | $-780.51M | $24.98M |
| Tax Rate For Calcs | $0.27 | $0.25 | $0.27 | $0.19 |
| Total Unusual Items | $-1.10B | $-780.00M | $-2.86B | $129.00M |
| Total Unusual Items Excluding Goodwill | $-1.10B | $-780.00M | $-2.86B | $129.00M |
| Net Income From Continuing Operation Net Minority Interest | $14.31B | $12.68B | $9.23B | $15.08B |
| Reconciled Depreciation | $4.37B | $4.31B | $4.56B | $4.26B |
| Net Interest Income | $59.79B | $54.09B | $54.90B | $48.67B |
| Interest Expense | $83.07B | $89.62B | $78.36B | $25.74B |
| Interest Income | $142.86B | $143.71B | $133.26B | $74.41B |
| Normalized Income | $15.11B | $13.27B | $11.31B | $14.97B |
| Net Income From Continuing And Discontinued Operation | $14.31B | $12.68B | $9.23B | $14.85B |
| Diluted Average Shares | $1.87B | $1.94B | $1.96B | $1.96B |
| Basic Average Shares | $1.83B | $1.90B | $1.93B | $1.95B |
| Diluted EPS | $6.99 | $5.94 | $4.04 | $7.00 |
| Basic EPS | $7.11 | $6.03 | $4.07 | $7.04 |
Showing 15 of 43 rows
Balance Sheet (Annual)
| Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Treasury Shares Number | $1.35B | $1.22B | $1.20B | $1.16B | N/A |
| Preferred Shares Number | N/A | $22.00M | $22.00M | $97.80M | $97.80M |
| Ordinary Shares Number | $1.75B | $1.88B | $1.90B | $1.94B | N/A |
| Share Issued | $3.10B | $3.10B | $3.10B | $3.10B | N/A |
| Net Debt | $18.13B | $59.27B | $63.14B | N/A | $20.31B |
| Total Debt | $367.70B | $335.81B | $324.08B | $318.70B | N/A |
| Tangible Book Value | $168.86B | $166.95B | $163.33B | $158.07B | N/A |
| Invested Capital | $559.95B | $526.55B | $511.93B | $500.90B | N/A |
| Net Tangible Assets | $188.91B | $184.80B | $180.93B | $177.07B | N/A |
| Common Stock Equity | $192.24B | $190.75B | $187.85B | $182.19B | N/A |
| Preferred Stock Equity | $20.05B | $17.85B | $17.60B | $19.00B | N/A |
| Total Capitalization | $528.12B | $495.90B | $492.07B | $472.80B | N/A |
| Total Equity Gross Minority Interest | $213.82B | $209.37B | $206.25B | $201.84B | N/A |
| Minority Interest | $1.53B | $768.00M | $798.00M | $649.00M | N/A |
| Stockholders Equity | $212.29B | $208.60B | $205.45B | $201.19B | N/A |
Showing 15 of 50 rows
Cash Flow Statement (Annual)
| Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $-74.15B | $-26.17B | $-80.00B | $19.44B | N/A |
| Repurchase Of Capital Stock | $-18.25B | $-7.52B | $-6.12B | $-3.25B | N/A |
| Repayment Of Debt | $-103.32B | $-92.96B | $-64.96B | $-57.09B | N/A |
| Issuance Of Debt | $122.03B | $99.08B | $65.82B | $104.75B | N/A |
| Issuance Of Capital Stock | $7.19B | $5.28B | $2.74B | $0.00 | N/A |
| Capital Expenditure | $-6.52B | $-6.50B | $-6.58B | $-5.63B | N/A |
| Interest Paid Supplemental Data | $80.98B | $88.03B | $72.99B | $22.61B | N/A |
| Income Tax Paid Supplemental Data | $6.51B | $5.80B | $5.73B | $3.73B | N/A |
| End Cash Position | $349.58B | $276.53B | $260.93B | $342.02B | N/A |
| Beginning Cash Position | $276.53B | $260.93B | $342.02B | $262.03B | N/A |
| Effect Of Exchange Rate Changes | $10.93B | $-12.68B | $95.00M | $-3.38B | N/A |
| Changes In Cash | $62.12B | $28.28B | $-81.19B | $83.38B | N/A |
| Financing Cash Flow | $238.03B | $-38.30B | $687.00M | $137.76B | N/A |
| Cash Flow From Continuing Financing Activities | $238.03B | $-38.30B | $687.00M | $137.76B | N/A |
| Net Other Financing Charges | $1.10B | $-454.00M | $-329.00M | $-344.00M | N/A |
Showing 15 of 54 rows