Citigroup is a global financial powerhouse that orchestrates the movement of $5 trillion in daily transaction volume, serving as the essential connective tissue for the world's most complex multinational corporations.
It is a $217B financial services company. Revenue grew 9.9% over the last year, and it keeps 20¢ of every dollar of sales as profit. It trades at 12.2× earnings — around the middle of its own history.
- Website
- citigroup.com
- Location
- New York, NY
- Employees
- 226 000
- Sector
- Financial Services
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Valuation, Growth, Health, Quality and Moat lag behind.
Valuation47
- P/E vs own history59th pct · 12/25
- FCF yield-11.3% · 0/25
- P/S1.1x · 25/25
- EV/EBITDAn/a · 10/25
Growth30
- Revenue CAGR4.3% · 6/25
- Net income CAGR-10.2% · 0/25
- EPS CAGR ~5Y7.7% · 12/25
- Fwd implied growth14.3% · 12/25
Profitability57
- ROIC2.5% · 5/25
- ROE8.4% · 12/25
- Net margin19.5% · 20/25
- Operating margin23.0% · 20/25
Health25
- Altman Zn/a · 0/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtn/a · 0/25
Quality37
- Piotroski F3/9 · 5/25
- Beneish M-2.30 · 20/25
- FCF conversion-137% · 0/25
- Margin stabilityσ 9.4% · 12/25
Moat5
- ROIC >12% years0/10 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive years4/10 yrs · 5/25
- Worst-year net marginworst -9.5% · 0/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2021FinancialBest year on record$22.0B net income
- FY2016FinancialFirst recorded profitable year$14.9B net income
- FY2016FinancialRevenue already above $50B$69.9B in first reported year
- 2007AcquisitionCitigroup acquired 61% of Nikko Asset Management for $7.7 billion to take majority control in what was then…
- 2000AcquisitionCitigroup acquired Associates First Capital Corporation for $31.1 billion in stock
- 1998AcquisitionThe company was formed in 1998 by the merger of Citicorp, the bank holding company for Citibank
- 1997AcquisitionTravelers Group (which had been renamed again in April 1995 when they merged with Aetna Property…
- 1976MilestoneWriston, First National City Corporation changed its formal name to "Citicorp"
- 1967ProductThe bank introduced its First National City Charge Service credit card—popularly known as the "Everything card" and…
- 1967MilestoneAlso in 1967, First National City Bank was reorganized as a one-bank holding company, First National City…
- 1955AcquisitionThe bank merged with First National Bank of New York in 1955, becoming the First National City Bank of New York in 1955
- 1913MilestoneIt became the first contributor to the Federal Reserve Bank of New York in 1913
- 1893MilestoneThe bank became the largest bank in New York City after the Panic of 1893 and the largest bank in the U.S
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
No standout strengths in the available data.
Watch-outs
- Negative free cash flow (-$24.5B)
- Loss-making in 1 of the recent years
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+9.9% YoY
- Profitable — makes more than it spends$17.8B TTM
- Profit growing — earnings are higher than last year+0.3% YoY
- Generates cash — cash left after running and investing-$24.5B TTM
- Debt under control — could handle its obligationsno data
- Established company — not a micro-cap — lower blow-up risk$217B market cap
- Not printing shares — share count not ballooning — you keep your slice-10.8% shares over ~5y
- Proven track record — years of profitability behind it9/10 profitable years
- Financially stable — balance sheet not near distresshealth score 25/100
- Pays a dividend — returns cash to shareholdersyield 2.50%
- Valuation not extreme — price not wildly above earningsP/E 12.2
Peer comparisonCitigroup Inc. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| C this company | $216.5B | 12.2 | +9.9% | 19.5% | Strained |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: C vs BRK.A · C vs BRK.B · C vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/C
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of C on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $129.08 · market cap $217B.