CNYSENational Commercial BanksFiscal year ends December 31Also trades as C.PN, C.PR
CITIGROUP INC
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-Q on Aug 6, 2026
$121.69−2.57 (-2.07%)
Close on Oct 19, 2026
- Market cap
- $221.11B
- P/E (TTM)
- 17.4
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Gross margin
–
Net margin
16.8%+2.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +5.6% | +4.2% | +2.5% | +1.1% | |
| Net income | +12.8% | -1.2% | +5.3% | -1.8% | |
| EPS, diluted | +17.7% | -0.0% | +8.2% | +2.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 6.7% | 5.6% | 6.8% | |
| Return on assets | 0.8% | 0.5% | 0.6% | |
| Capex to revenue | 3.9% | 4.6% | 7.7% | |
| Diluted shares | 2.89B | 2.10B | 1.87B |
Where the cash went
Fiscal 2021 to 2025, five years combined
Citigroup generated $232.88B from operations and spent $83.89B on capital expenditure, dividends and share buybacks. 35% of that went back into the business.
Generated
$232.88B
Used
$83.89B
Capital expenditure$29.35B35%Dividends$25.98B31%Share buybacks$28.55B34%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin16.8%
×Asset turnover0.03×
×Equity multiplier11.90×
=Return on equity, FY20256.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 16.8% | 0.03× | 11.90× | 6.8% |
| FY2024 | 15.7% | 0.03× | 11.51× | 6.1% |
| FY2023 | 11.8% | 0.03× | 11.88× | 4.5% |
| FY2022 | 19.7% | 0.03× | 11.68× | 7.4% |
| FY2021 | 30.5% | 0.03× | 11.34× | 10.9% |
| FY2020 | 14.6% | 0.04× | 10.72× | 5.6% |
| FY2019 | 25.8% | 0.04× | 9.93× | 10.0% |
| FY2018 | 24.8% | 0.04× | 9.47× | 9.1% |
| FY2017 | -9.4% | 0.04× | 8.53× | -3.2% |
| FY2016 | 21.1% | 0.04× | 7.88× | 6.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$14.31B
- Cash generatingOperating cash flow above zero-$67.63B
- Return on assets improvedROA up on the prior year0.5% → 0.6%
- Earnings backed by cashOperating cash flow above net income-$67.63B vs $14.31B
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise1.94B → 1.87B
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04