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.
Employees226,000IPOSep 7, 1998SIC6021HQ388 Greenwich Street, New York, NY, USA, 10013
to
Financials (EUR)
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
16.8%
OCF Margin
—
FCF Margin
−91.6%
Returns on Capital
ROE
6.8%
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)
15.63
Forward P/E
10.91
P/E ex-NRI
14.72
Shiller P/E (CAPE)
16.93
Cash Flow Multiples
P/FCF
—
P/OCF
—
P/Owner Earnings
—
FCF Yield
−38.91%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
28.32
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
2.71
EV / Forward Revenue
6.44
Asset / Sales
P/S
2.40
P/B
0.99
P/Tangible Book
1.13
Growth-Adjusted
PEG
3.27
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
2.13%
Forward Dividend Yield
2.12%
3Y Dividend Growth
4.4%
Payout Ratio
0.31
5Y Yield on Cost
2.41%
Buybacks & Dilution
3Y Buyback Ratio
3.40%
5Y Share Change
−10.8%
Combined
Shareholder Yield
−9.67%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.73
Gross Debt / EBITDA
—
Cash / Debt
0.95
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
5
Altman Z-Score
—
Split History
Date
Split
No split history found.
Ex-date
Amount
Pay date
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
2023-11-03
$0.53
2023-11-22
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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
10 of 99
5-Step DuPont Analysis
ROE %
6.60%
×
×
Net Margin %
16.87%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
€74.38B
×
Tax Burden
0.7223
Net Income
€12.55B
÷
Pretax Income
€17.38B
×
Interest Burden
—
Pretax Income
€17.38B
÷
Operating Income
—
×
Asset Turnover
0.03
÷
Revenue
€74.38B
÷
Average Total Assets
€2.26T
Begin Total Assets
€2.25T
End Total Assets
€2.27T
×
Equity Multiplier
11.87
÷
Avg Total Assets
€2.26T
÷
Avg Stockholders Equity
€190.25B
Begin Equity
€199.21B
End Equity
€181.30B