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MKT CAP:$224B

Citigroup Inc.

Market Cap

$224B

Financial Services·Banks - Diversified·🇺🇸 United States·NYSE

Financials·Banks·🇺🇸·NYSE

Stock Price

$128.16+$9.46 (+7.97%)

Apr 24, 2026

Company Details

Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and...

CEO

Jane Nind Fraser

IPO Date

Jan 3, 1977

Website

www.citigroup.com

Key Metrics TTM

Revenue

$171.2B

+1.8% YoY

Net Income

$16.0B

EPS (Diluted)

$8.07

Free Cash Flow

-$97.0B

Revenue / Share

$96.39

Gross Margin

45.5%

Operating Margin

12.8%

Net Margin

9.3%

FCF Margin

-56.7%

P/S

1.3x

P/E

14.0x

Earnings Reports

Q1 2026

Apr 3, 2026

$44.1B+7.0%EPS $3.06

FY 2025

Feb 20, 2026

$168.3B-1.4%EPS $6.99

Q4 2025

Feb 20, 2026

$40.9B-0.1%EPS $1.19

Q3 2025

Nov 6, 2025

$43.8B+1.1%EPS $1.86

Q2 2025

Aug 6, 2025

$42.4B-0.7%EPS $1.96

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$21.5B	$18.5B	$5.3B
Q3 22	$25.2B	$16.6B	$4.4B
Q4 22	$30.4B	$16.2B	$3.2B
Q1 23	$36.5B	$18.4B	$6.2B
Q2 23	$38.2B	$17.6B	$4.0B
Q3 23	$40.7B	$17.9B	$4.8B
Q4 23	$41.4B	$15.3B	-$2.1B
Q1 24	$43.7B	$18.7B	$4.5B
Q2 24	$42.6B	$17.7B	$4.3B
Q3 24	$43.4B	$17.7B	$4.4B
Q4 24	$40.9B	$17.0B	$3.8B
Q1 25	$41.3B	$18.9B	$5.4B
Q2 25	$42.4B	$18.8B	$5.2B
Q3 25	$43.8B	$19.6B	$5.3B
Q4 25	$40.9B	$17.7B	$3.8B
Q1 26	$44.1B	$21.8B	$7.5B

Valuation

Quarter	P/S	P/E
Q1 22	1.4x	6.0x
Q3 22	1.0x	5.3x
Q4 22	1.0x	6.9x
Q1 23	0.8x	6.1x
Q2 23	0.7x	6.7x
Q3 23	0.5x	5.7x
Q4 23	0.7x	11.2x
Q1 24	0.7x	15.1x
Q2 24	0.7x	14.5x
Q3 24	0.7x	14.8x
Q4 24	0.8x	10.5x
Q1 25	0.8x	9.9x
Q2 25	0.9x	10.9x
Q3 25	1.1x	12.8x
Q4 25	1.3x	15.1x
Q1 26	1.1x	12.2x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q4 21	$2.1B	$756M
Q1 22	-$9.2B	-$10.5B
Q3 22	-$2.0B	-$3.2B
Q4 22	$29.2B	$27.3B
Q1 23	-$30.5B	-$32.1B
Q2 23	-$54.1B	-$55.5B
Q3 23	$15.8B	$14.1B
Q4 23	-$4.7B	-$6.4B
Q1 24	-$10.8B	-$12.4B
Q2 24	-$17.0B	-$18.6B
Q3 24	-$16.7B	-$18.2B
Q4 24	$24.8B	$23.1B
Q1 25	-$58.7B	-$60.2B
Q2 25	-$36.6B	-$38.3B
Q3 25	$1.1B	-$517M
Q4 25	$3.7B	$2.0B

Capital Expenditures

Quarter	CapEx
Q4 21	$1.3B
Q1 22	$1.2B
Q3 22	$1.2B
Q4 22	$2.0B
Q1 23	$1.6B
Q2 23	$1.5B
Q3 23	$1.7B
Q4 23	$1.8B
Q1 24	$1.6B
Q2 24	$1.6B
Q3 24	$1.6B
Q4 24	$1.7B
Q1 25	$1.5B
Q2 25	$1.8B
Q3 25	$1.6B
Q4 25	$1.6B

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	-1.1%	+42.2%
Q3 22	+27.9%	+68.3%
Q4 22	+56.8%	+101.1%
Q1 23	+98.8%	+110.5%
Q2 23	+77.9%	+110.7%
Q3 23	+61.4%	+72.5%
Q4 23	+36.0%	+59.5%
Q1 24	+19.9%	+29.4%
Q2 24	+11.7%	+12.3%
Q3 24	+6.4%	+8.4%
Q4 24	-1.2%	-14.7%
Q1 25	-5.6%	-8.6%
Q2 25	-0.7%	-3.1%
Q3 25	+1.1%	-1.2%
Q4 25	-0.1%	-0.1%
Q1 26	+7.0%	+2.3%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q4 21	$0	0.0%
Q1 22	$0	0.0%
Q3 22	$0	0.0%
Q4 22	$0	0.0%
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	R&D	G&A	S&M
Q1 22	—	$6.8B	$311M
Q3 22	—	$6.8B	$407M
Q4 22	—	$6.6B	$424M
Q1 23	—	$7.6B	$331M
Q2 23	—	$7.4B	$361M
Q3 23	—	$7.4B	$324M
Q4 23	—	$6.9B	$377M
Q1 24	—	$7.7B	$228M
Q2 24	—	$6.9B	$280M
Q3 24	—	$7.1B	$282M
Q4 24	—	$6.9B	$323M
Q1 25	—	$7.5B	$250M
Q2 25	—	$7.6B	$269M
Q3 25	$2.3B	$9.7B	$260M
Q4 25	—	$13.5B	$318M
Q1 26	—	$9.0B	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$284.0B	$231.4B	$515.5B
Q3 22	$299.6B	$224.6B	$524.2B
Q4 22	$342.0B	$238.7B	$580.8B
Q1 23	$329.0B	$230.1B	$559.1B
Q2 23	$296.9B	$225.6B	$522.5B
Q3 23	$254.0B	$227.1B	$481.1B
Q4 23	$260.9B	$245.1B	$506.0B
Q1 24	$272.7B	$253.1B	$525.8B
Q2 24	$246.1B	$246.5B	$492.6B
Q3 24	$303.1B	$231.9B	$535.0B
Q4 24	$276.5B	$221.5B	$498.0B
Q1 25	$308.3B	$219.5B	$527.8B
Q2 25	$337.5B	$225.7B	$563.2B
Q3 25	$348.1B	$324.5B	$672.6B
Q4 25	$349.6B	$325.9B	$675.4B
Q1 26	$23.6B	$0	$23.6B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	1.99B	-0.7%	-5.2%
Q3 22	1.96B	-1.7%	-5.7%
Q4 22	1.96B	+0.0%	-3.5%
Q1 23	1.96B	+0.4%	-1.9%
Q2 23	1.97B	+0.2%	-1.0%
Q3 23	1.95B	-0.9%	-0.2%
Q4 23	1.91B	-2.2%	-2.4%
Q1 24	1.93B	+0.9%	-1.9%
Q2 24	1.95B	+0.9%	-1.2%
Q3 24	1.94B	-0.3%	-0.6%
Q4 24	1.93B	-0.5%	+1.1%
Q1 25	1.92B	-0.6%	-0.4%
Q2 25	1.89B	-1.4%	-2.7%
Q3 25	1.86B	-1.6%	-4.0%
Q4 25	1.86B	0.0%	-3.5%
Q1 26	1.78B	-4.6%	-7.5%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$96.1K	223K
Q3 22	$113.0K	223K
Q4 22	$126.8K	240K
Q1 23	$151.9K	240K
Q2 23	$159.1K	240K
Q3 23	$169.8K	240K
Q4 23	$173.2K	239K
Q1 24	$182.9K	239K
Q2 24	$178.4K	239K
Q3 24	$181.4K	239K
Q4 24	$178.6K	229K
Q1 25	$180.2K	229K
Q2 25	$184.9K	229K
Q3 25	$191.4K	229K
Q4 25	$180.8K	226K
Q1 26	$195.3K	226K

Revenue / Employee