A Business at a Glance
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CITIGROUP INC
C
$246.2B
Mkt Cap
$132.19
+0.24%
CITIGROUP INC (C) has a current P/E ratio of 18.9, compared to its historical median P/E of 9.5. The stock is currently considered Expensive based on its historical valuation range.
CITIGROUP INC (C) has a 5-year average return on invested capital (ROIC) of 2.8%. This is below average and may indicate limited pricing power.
CITIGROUP INC (C) has a market capitalization of $246.2B. It is classified as a mega-cap stock.
Yes, CITIGROUP INC (C) pays a dividend with a trailing twelve-month yield of 2.18%. The company also returns capital through share buybacks, with a buyback yield of 5.38%.
Based on historical P/E analysis, CITIGROUP INC (C) appears expensive. The current P/E of 18.9 is 98% above its historical median of 9.5. The estimated fair value CAGR (P/E method) is -3.1%.
CITIGROUP INC (C) operates in the National Commercial Banks industry, within the Financials sector.
CITIGROUP INC (C) reported annual revenue of $168.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
Citigroup is a global financial services firm operating through two primary segments: Institutional Clients Group (ICG) and Personal Banking and Wealth Management (PBWM). ICG provides treasury and trade solutions, investment banking, markets (fixed income, equities, and foreign exchange), and securities services to corporate and institutional clients worldwide, while PBWM serves consumers and high-net-worth individuals through retail banking, cards, and wealth management offerings. The company earns revenue through net interest income on deposits and loans, non-interest revenue from fees on advisory services, trading, and asset management, and transaction-based income from treasury and trade solutions. Citigroup's business model combines capital-intensive lending operations with fee-generating advisory and trading businesses, supported by a global distribution network spanning North America, Europe, Asia, and emerging markets. The firm's competitive positioning rests on its global institutional client relationships, scale in capital markets, and integrated treasury and trade solutions capabilities that serve multinational corporations. The company serves a diverse customer base including multinational corporations, financial institutions, high-net-worth individuals, and retail consumers across multiple geographies.
【Strategic transformation underway】 Management is executing a multi-year transformation program designed to strengthen risk and control infrastructure while improving operational efficiency and returns on tangible common equity. The company expects to achieve medium-term ROTCE targets of 11%-12% through a combination of disciplined revenue growth, material expense reduction, and capital optimization, with the path characterized by initial investment phases followed by expense curve bending toward the end of 2024. Management remains confident in the strategy's resilience across different macroeconomic scenarios, with benefits expected to materialize from divestitures, transformation investments transitioning to technology-enabled processes, and organizational simplification. The firm continues to invest in key growth franchises including treasury and trade solutions, securities services, and wealth management, while managing exits from legacy markets and non-core consumer banking operations.
| Metric | Target | Period |
|---|---|---|
| Revenue | $78 billion–$79 billion | FY2023 |
| Expenses | roughly $54 billion | FY2023 |
| Revenue CAGR | 4%-5% | Medium-term (2024-2026) |
| ROTCE | 11%-12% | Medium-term (2024-2026) |
Revenue (FY2023): “we expect revenue to be in the range of $78 billion-$79 billion, excluding any potential 2023 divestiture-related impact”
Expenses (FY2023): “Expenses to be roughly $54 billion, also excluding 2023 divestiture-related impact”
Revenue CAGR (Medium-term (2024-2026)): “we expect a 4%-5% revenue CAGR in the medium term, including the ongoing reduction of revenue from the closing of the exits”
ROTCE (Medium-term (2024-2026)): “we are on a path to the 11%-12% ROTCE target in the medium term”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: Q3 FY2022 Earnings Call, Q2 FY2022 Earnings Call, Q2 FY2021 Earnings Call, Q1 FY2021 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 168.3B | 168.3B | 170.3B | 156.4B | 101.1B | 79.9B |
| Net Income | 13.0B | 13.0B | 11.5B | 7.8B | 13.7B | 20.8B |
| EPS | $6.99 | $6.99 | $5.94 | $4.04 | $7.00 | $10.14 |
| Free Cash Flow | -74.2B | -74.2B | -26.2B | -80.0B | 19.4B | 43.0B |
| ROIC | 6.1% | 2.5% | 2.3% | 1.6% | 2.9% | 4.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 1.73 | 1.73 | 1.61 | 1.58 | 1.58 | 1.40 |
| Dividends/Share | $2.88 | $2.88 | $2.70 | $2.68 | $2.56 | $2.54 |
| Operating Income | 19.8B | 19.8B | 17.0B | 12.9B | 18.8B | 27.5B |
| Operating Margin | 11.8% | 11.8% | 10.0% | 8.3% | 18.6% | 34.4% |
| ROE | 6.1% | 6.2% | 5.5% | 3.9% | 6.8% | 10.3% |
| Shares Outstanding | 1,863M | 1,863M | 1,929M | 1,943M | 1,957M | 2,047M |
CITIGROUP INC passes 3 of 9 quality checks, indicating weak fundamentals.
CITIGROUP INC trades at 18.9x trailing earnings, compared to its 15-year median P/E of 9.5x, suggesting it is currently Expensive relative to its historical range. The company's 5-year average ROIC is 2.8%. Total shareholder yield (dividends + buybacks) is 7.6%. At current prices, the estimated annualized return to fair value is +2.1%.
CITIGROUP INC (C) has a net profit margin of 7.7%. This is a modest margin.
CITIGROUP INC (C) generated $-74.2 billion in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
CITIGROUP INC (C) has a debt-to-equity ratio of 1.73. This indicates higher leverage, which may increase financial risk.
CITIGROUP INC (C) reported earnings per share (EPS) of $6.99 in its most recent fiscal year.
CITIGROUP INC (C) has a return on equity (ROE) of 6.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 19 years of financial data for CITIGROUP INC (C), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CITIGROUP INC (C) has a book value per share of $113.96, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management is executing a multi-year transformation program designed to strengthen risk and control infrastructure while improving operational efficiency and returns on tangible common equity. The company expects to achieve medium-term ROTCE targets of 11%-12% through a combination of disciplined revenue growth, material expense reduction, and capital optimization, with the path characterized by initial investment phases followed by expense curve bending toward the end of 2024. Management remains confident in the strategy's resilience across different macroeconomic scenarios, with benefits expected to materialize from divestitures, transformation investments transitioning to technology-enabled processes, and organizational simplification. The firm continues to invest in key growth franchises including treasury and trade solutions, securities services, and wealth management, while managing exits from legacy markets and non-core consumer banking operations.
Based on recent SEC filings and earnings calls, CITIGROUP INC (C) has provided the following forward guidance: Revenue: $78 billion–$79 billion (FY2023); Expenses: roughly $54 billion (FY2023); Revenue CAGR: 4%-5% (Medium-term (2024-2026)); ROTCE: 11%-12% (Medium-term (2024-2026)).