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Financials · C

Citigroup Inc. (C) financials

For fiscal 2025 (ended Dec 31, 2025), Citigroup Inc. reported $85.22B of revenue and $14.31B of net income.

Revenue, FY2025
$85.22B
Revenue growth, YoY
+5.6%
Net income, FY2025
$14.31B
Net income growth, YoY
+12.8%
Net margin
16.8%
Free cash flow, FY2025
-$74.15B
EPS, diluted, FY2025
$6.99
EPS growth, YoY
+17.7%
Cash
$349.58B
Total debt
$315.83B
P/E
13.96
P/S
2.34
Market cap
$199.70B
Annual revenue$85.22B
FY2016FY2025
Annual net income$14.31B
FY2016FY2025
Annual free cash flow-$74.15B
FY2016FY2025

C revenue and earnings growth

C revenueQ4 2025$19.87B

Quarter YoY
+2.1%
QoQ
-10.0%
FY YoY
+5.6%
5Y CAGR
+2.5%
10Y CAGR
+1.1%

C revenue was $19.87B in fiscal Q4 2025 (ended Dec 31, 2025), up 2.1% from a year earlier and down 10.0% from the prior quarter. For the full fiscal 2025 it was $85.22B, up 5.6% from fiscal 2024. Compound annual growth was +2.5% over 5 years and +1.1% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

C net incomeQ4 2025$2.47B

Quarter YoY
-13.5%
QoQ
-34.1%
FY YoY
+12.8%
5Y CAGR
+5.3%
10Y CAGR
-1.8%

C net income was $2.47B in fiscal Q4 2025 (ended Dec 31, 2025), down 13.5% from a year earlier and down 34.1% from the prior quarter. For the full fiscal 2025 it was $14.31B, up 12.8% from fiscal 2024. Compound annual growth was +5.3% over 5 years and -1.8% over 10 years. It rose in 4 of the last 7 fiscal years.

C EPSQ4 2025$1.21

Quarter YoY
-9.0%
QoQ
-34.9%
FY YoY
+17.7%
5Y CAGR
+8.2%
10Y CAGR
+2.6%

C diluted EPS was $1.21 in fiscal Q4 2025 (ended Dec 31, 2025), down 9.0% from a year earlier and down 34.9% from the prior quarter. For the full fiscal 2025 it was $6.99, up 17.7% from fiscal 2024. Compound annual growth was +8.2% over 5 years and +2.6% over 10 years.

C free cash flowQ4 2025$24.92B

Quarter YoY
+7.9%

C free cash flow was $24.92B in fiscal Q4 2025 (ended Dec 31, 2025), up 7.9% from a year earlier. For the full fiscal 2025 it was -$74.15B, compared with -$26.17B in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$85.22B$80.72B$78.07B$75.34B$71.88B$75.50B$75.07B$72.85B$72.44B$70.80B
Cost of revenue-----$17.50B$8.38B$7.57B$7.45B-
Gross profit-----$58.01B$66.68B$65.29B$64.99B-
Interest expense--$78.36B$25.74B$7.98B$13.34B$28.38B$24.27B$16.52B$12.51B
Pre-tax income$19.83B$17.05B$12.91B$18.81B$27.47B$13.63B$23.90B$23.45B$22.76B$21.48B
Income tax$5.37B$4.21B$3.53B$3.64B$5.45B$2.52B$4.43B$5.36B$29.39B$6.44B
Net income$14.31B$12.68B$9.23B$14.85B$21.95B$11.05B$19.40B$18.05B-$6.80B$14.91B
EPS, basic$7.11$6.03$4.07$7.04$10.21$4.74$8.08$6.69-$2.98$4.72
EPS, diluted$6.99$5.94$4.04$7.00$10.14$4.72$8.04$6.68-$2.98$4.72
Diluted shares1.87B1.94B1.96B1.96B2.05B2.10B2.27B2.49B2.70B2.89B

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$349.58B$276.53B$260.93B$342.02B$262.03B$309.62B$193.92B$188.10B$180.52B$160.49B
Goodwill$19.10B$19.30B$20.10B$19.69B$21.30B$22.16B$22.13B$22.05B$22.26B$21.66B
Total assets$2.66T$2.35T$2.41T$2.42T$2.29T$2.26T$1.95T$1.92T$1.84T$1.79T
Short-term debt$51.88B$48.51B$37.46B$47.10B$27.97B$29.51B$45.05B$32.35B$44.45B$30.70B
Total debt$315.83B$287.30B$286.62B$271.61B$254.37B$271.69B$248.76B$232.00B$236.71B$206.18B
Total liabilities$2.44T$2.14T$2.21T$2.21T$2.09T$2.06T$1.76T$1.72T$1.64T$1.57T
Shareholders' equity$212.29B$208.60B$206.25B$201.84B$202.67B$200.20B$193.95B$197.07B$201.67B$226.14B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow-$67.63B-$19.67B-$73.42B$25.07B$47.09B-$23.49B-$12.84B$36.95B-$8.77B$53.73B
Capital expenditures$6.52B$6.50B$6.58B$5.63B$4.12B$3.45B$5.34B$3.77B$3.36B$2.76B
Free cash flow-$74.15B-$26.17B-$80.00B$19.44B$42.97B-$26.93B-$18.17B$33.18B-$12.13B$50.98B
Investing cash flow-$108.28B$86.25B-$8.46B-$79.45B-$110.75B-$92.44B-$23.37B-$73.12B-$38.75B-$54.13B
Financing cash flow$238.03B-$38.30B$687.00M$137.76B$17.27B$233.59B$42.93B$44.53B$66.85B$28.29B
Dividends paid$5.37B$5.20B$5.21B$5.00B$5.20B$5.35B$5.45B$5.02B$3.80B$2.29B
Share repurchases$13.25B$2.47B$1.98B$3.25B$7.60B$2.92B$17.57B$14.43B$14.54B$9.29B
Depreciation and amortization$4.37B$4.31B$4.56B$4.26B$3.96B$3.94B$3.90B$3.75B$3.66B$3.72B

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY5.6%3.4%3.6%4.8%-4.8%0.6%3.0%0.6%2.3%-7.3%
Net income growth, YoY12.8%37.4%-37.8%-32.4%98.7%-43.1%7.5%---13.5%
EPS growth, YoY17.7%47.0%-42.3%-31.0%114.8%-41.3%20.4%---12.6%
Gross margin-----76.8%88.8%89.6%89.7%-
Net margin16.8%15.7%11.8%19.7%30.5%14.6%25.8%24.8%-9.4%21.1%
Free cash flow margin-87.0%-32.4%-102.5%25.8%59.8%-35.7%-24.2%45.5%-16.8%72.0%
Return on equity6.7%6.1%4.5%7.4%10.8%5.5%10.0%9.2%-3.4%6.6%
Return on assets0.5%0.5%0.4%0.6%1.0%0.5%1.0%0.9%-0.4%0.8%
Debt to equity1.491.381.391.351.261.361.281.181.170.91

Source: XBRL data Citigroup Inc. files with the SEC, latest filing dated Feb 20, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 1-for-10, first reported Aug 5, 2011.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

C peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
C$85.22B+5.6%$14.31B16.8%$199.70B
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B
BNY$21.96B+11.2%$6.54B29.8%$99.40B

C FAQ

8 questions
  • What is C revenue?
    Citigroup Inc. (C) reported $85.22B of revenue for fiscal 2025 (ended Dec 31, 2025). That is up 5.6% from the year before.
  • Is C profitable?
    Yes. Citigroup Inc. earned $14.31B in net income for fiscal 2025 (ended Dec 31, 2025), a net margin of 16.8%.
  • How much cash and debt does C have?
    Citigroup Inc. reported $349.58B in cash and cash equivalents and $315.83B of debt on its most recent balance sheet in SEC filings.
  • How fast is C revenue growing?
    Citigroup Inc.'s revenue changed +5.6% in fiscal 2025, to $85.22B. Its compound annual growth rate was +2.5% over 5 years and +1.1% over 10 years.
  • What is C free cash flow?
    Citigroup Inc. generated -$74.15B of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of -$67.63B less capital expenditures.
  • What is C earnings per share?
    Diluted earnings per share were $6.99 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.
  • When did C last report financial results?
    The latest statements here come from Citigroup Inc.'s 10-K filed on Feb 20, 2026, covering the period ended Dec 31, 2025.
  • Where does this C financial data come from?
    Quantisnow builds these statements from the structured XBRL data Citigroup Inc. files with the SEC. It is provided for information only and is not investment advice.