# Citigroup Inc. (C) — Stock CV

Citigroup Inc. 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.

> 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.

## Identity

- **Ticker**: C
- **Sector**: Financial Services
- **Industry**: Banks
- **Headquarters**: NEW YORK, NY
- **Employees**: 226 000
- **Website**: https://www.citigroup.com
- **Market cap**: $217B
- **Last price**: $129.08
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $91.4B
- **Net income**: $17.8B
- **Free cash flow**: -$24.5B
- **P/E**: 12.2
- **Revenue growth (YoY)**: 9.9%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 47 |
| Growth | 30 |
| Profitability | 57 |
| Health | 25 |
| Quality | 37 |
| Moat | 5 |

## Qualifications (beginner checklist) — 8 of 10 passed

- [x] Revenue growing — +9.9% YoY
- [x] Profitable — $17.8B TTM
- [x] Profit growing — +0.3% YoY
- [ ] Generates cash — -$24.5B TTM
- [x] Established company — $217B market cap
- [x] Not printing shares — -10.8% shares over ~5y
- [x] Proven track record — 9/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 2.50%
- [x] Valuation not extreme — P/E 12.2

## Experience (career milestones)

- **FY2021** — Best year on record: $22.0B net income
- **FY2016** — First recorded profitable year: $14.9B net income
- **FY2016** — Revenue already above $50B: $69.9B in first reported year
- **2007** — Citigroup acquired 61% of Nikko Asset Management for $7.7 billion to take majority control in what was then…
- **2000** — Citigroup acquired Associates First Capital Corporation for $31.1 billion in stock
- **1998** — The company was formed in 1998 by the merger of Citicorp, the bank holding company for Citibank
- **1997** — Travelers Group (which had been renamed again in April 1995 when they merged with Aetna Property…
- **1976** — Wriston, First National City Corporation changed its formal name to "Citicorp"
- **1967** — The bank introduced its First National City Charge Service credit card—popularly known as the "Everything card" and…
- **1967** — Also in 1967, First National City Bank was reorganized as a one-bank holding company, First National City…
- **1955** — The bank merged with First National Bank of New York in 1955, becoming the First National City Bank of New York in 1955
- **1913** — It became the first contributor to the Federal Reserve Bank of New York in 1913
- **1893** — The bank became the largest bank in New York City after the Panic of 1893 and the largest bank in the U.S

## Strengths

- None stand out in the data.

## Watch-outs

- Negative free cash flow (-$24.5B)
- Loss-making in 1 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $71.9B | $22.0B | $57.1B |
| FY2022 | $75.3B | $14.8B | $19.4B |
| FY2023 | $78.5B | $9.23B | -$80.0B |
| FY2024 | $81.1B | $12.7B | -$26.2B |
| FY2025 | $85.2B | $14.3B | -$74.2B |

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Source: https://stockcv.com/C — derived from company filings; may be delayed or incomplete. Information, not investment advice.