Citigroup is a large U.S. bank operating across five segments: services (cash management, trade finance, securities services for large corporates), markets (trading and market-making), banking (investment banking and corporate lending), wealth management, and U.S. retail banking (credit cards, deposits, loans). Its primary customers are large multinational corporations, institutional clients, and U.S. retail consumers. The firm earns revenue through net interest income, transaction fees, trading spreads, and advisory fees. Its core competitive advantage is its cross-border network—direct presence in roughly 90 countries—which makes it particularly useful to multinationals moving money internationally.
Employees226,000IPOJun 2, 1986SIC6021HQ388 Greenwich Street, New York, NY, USA, 10013
to
Financials
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
18.2%
OCF Margin
−33.8%
FCF Margin
−40.8%
Returns on Capital
ROE
7.6%
ROA
0.6%
ROIC
—
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
0.0%
Consistency
Years Profitable / 10Y
9
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
13.42
Forward P/E
11.35
P/E ex-NRI
12.85
Shiller P/E (CAPE)
18.52
Cash Flow Multiples
P/FCF
—
P/OCF
—
P/Owner Earnings
—
FCF Yield
−17.56%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
26.09
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
2.49
EV / Forward Revenue
6.45
Asset / Sales
P/S
2.59
P/B
1.11
P/Tangible Book
1.26
Growth-Adjusted
PEG
2.86
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
1.87%
Forward Dividend Yield
1.87%
3Y Dividend Growth
4.4%
Payout Ratio
0.28
5Y Yield on Cost
1.95%
Buybacks & Dilution
3Y Buyback Ratio
3.40%
Combined
Shareholder Yield
−7.59%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.80
Gross Debt / EBITDA
—
Cash / Debt
1.02
Equity / Assets
0.08
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
6
Altman Z-Score
—
Split History
Date
Split
2011-05-09
1:10
2000-08-28
1.3333:1
1999-06-01
1.5:1
1997-11-20
1.5:1
1996-11-25
1.333:1
1996-05-28
1.5:1
1993-08-30
1.3333:1
1993-03-01
1.5:1
Ex-date
Amount
Pay date
2026-05-04
$0.6
2026-05-22
2026-02-02
$0.6
2026-02-27
2025-11-03
$0.6
2025-11-26
2025-08-04
$0.6
2025-08-22
2025-05-05
$0.56
2025-05-23
2025-02-03
$0.56
2025-02-28
2024-11-04
$0.56
2024-11-22
2024-08-05
$0.56
2024-08-23
2024-05-03
$0.53
2024-05-24
2024-02-02
$0.53
2024-02-23
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View allDate
Transcript
Type
2026-07-14
Q2 2026 Citigroup Inc Earnings Call Transcript
Earnings Call
2026-06-09
Citigroup Inc at Morgan Stanley US Financials Conference Transcript
Conference Presentations
2026-05-20
Citigroup Inc Annual Shareholders Meeting Transcript
Shareholders and Annual Meetings
2026-04-14
Q1 2026 Citigroup Inc Earnings Call Transcript
Earnings Call
2026-02-10
Citigroup Inc at UBS Financial Services Conference Transcript
Conference Presentations
2026-01-14
Q4 2025 Citigroup Inc Earnings Call Transcript
Earnings Call
2025-10-14
Q3 2025 Citigroup Inc Earnings Call Transcript
Earnings Call
2025-07-15
Q2 2025 Citigroup Inc Earnings Call Transcript
Earnings Call
2025-04-15
Q1 2025 Citigroup Inc Earnings Call Transcript
Earnings Call
2025-01-15
Q4 2024 Citigroup Inc Earnings Call Transcript
Earnings Call
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5-Step DuPont Analysis
ROE %
8.39%
×
×
Net Margin %
19.56%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
$91.19B
×
Tax Burden
0.7220
Net Income
$17.84B
÷
Pretax Income
$24.71B
×
Interest Burden
—
Pretax Income
$24.71B
÷
Operating Income
—
×
Asset Turnover
0.03
÷
Revenue
$91.19B
÷
Average Total Assets
$2.76T
Begin Total Assets
$2.62T
End Total Assets
$2.89T
×
Equity Multiplier
12.97
÷
Avg Total Assets
$2.76T
÷
Avg Stockholders Equity
$212.62B
Begin Equity
$213.22B
End Equity
$212.01B
Top institutional holders
Q2 2026| Holder | Shares | Chg. shares | |
|---|---|---|---|
| BlackRock, Inc. | 149.5M | -4.3M | $20.93B |
| VANGUARD CAPITAL MANAGEMENT LLC | 107.2M | -2.4M | $15.01B |
| STATE STREET CORP | 77.9M | -134.2K | $10.90B |
| GEODE CAPITAL MANAGEMENT, LLC | 41.1M | -1.3M | $5.74B |
| Fisher Asset Management, LLC | 36.5M | +1.2M | $5.10B |
| FRANKLIN RESOURCES INC | 36.0M | -3.0M | $5.04B |
| Capital World Investors | 33.6M | -7.1M | $4.71B |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 32.4M | -87.1K | $4.53B |
| FMR LLC | 31.6M | +1.7M | $4.43B |
| MORGAN STANLEY | 28.1M | +267.2K | $3.93B |
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View allTop insider holdings
as reported| Insider | Shares held | |
|---|---|---|
| Fraser Jane NindOfficer | 935.8K | $116.29M |
| RAGHAVAN VISWASOfficer | 628.8K | $78.13M |
| MORTON ANDREW JOHNOfficer | 387.3K | $48.12M |
| Livingstone DavidOfficer | 345.1K | $42.88M |
| Sieg Andrew M.Officer | 243.5K | $30.26M |
| Turek ZdenekOfficer | 237.5K | $29.51M |
| Mason MarkOfficer | 233.8K | $29.05M |
| Selvakesari AnandOfficer | 231.2K | $28.73M |
| COSTELLO ELLENDirector | — | — |
| COLE TITILOPEDirector | — | — |
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View allRecent insider activity
through Oct 1, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| von Koskull Casper WilhelmDirector | Grant/Award (Rule 16b-3(d)) | +6 | $854 | Oct 1, 2026 |
| von Koskull Casper WilhelmDirector | Grant/Award (Rule 16b-3(d)) | +27 | $3,567 | Oct 1, 2026 |
| Turley James SDirector | Grant/Award (Rule 16b-3(d)) | +6 | $854 | Oct 1, 2026 |
| Turley James SDirector | Grant/Award (Rule 16b-3(d)) | +201 | $26.4K | Oct 1, 2026 |
| TAYLOR DIANA LDirector | Grant/Award (Rule 16b-3(d)) | +6 | $854 | Oct 1, 2026 |
| TAYLOR DIANA LDirector | Grant/Award (Rule 16b-3(d)) | +308 | $40.5K | Oct 1, 2026 |
| REINER GARY MDirector | Grant/Award (Rule 16b-3(d)) | +417 | $54.9K | Oct 1, 2026 |
| MOULDS JONATHAN PAULDirector | Grant/Award (Rule 16b-3(d)) | +6 | $854 | Oct 1, 2026 |
| MOULDS JONATHAN PAULDirector | Grant/Award (Rule 16b-3(d)) | +236 | $31.1K | Oct 1, 2026 |
| MOULDS JONATHAN PAULDirector | Grant/Award (Rule 16b-3(d)) | +10 | $1,365 | Oct 1, 2026 |
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