Citigroup C
$119.05 +$0.60 (+0.51%)
Market closed · Nov 8, 9:30 pm ET · Last extended-hours $119.19 +0.12%
Open$118.06
Prev close$118.45
Day range$117.88 – $121.53
Volume12.24M
Market cap$197.05B
P/E (TTM)11.6
Dividend yield2.07%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$23.84B+7.9% YoY
Net profit$5.42B+43.0% YoY
Diluted EPS$2.85+53.2% YoY
Free cash flow-$25.63B+33.1% YoY
Operating cash flow-$24.08B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin19.2%
Return on equity9.3%
Return on assets0.6%
Liabilities / assets92.8%
Cash & investments$354.84B
Total debt$407.30B
Net cash (debt)-$52.46B
Where the revenue comes from
Quarter 2026/Q2
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Revenue as Reported | $23.85B | $24.77B | $24.63B | $85.23B | $19.87B |
| Total Operating Revenue | $23.84B | $24.77B | $24.66B | $85.21B | $19.67B |
| Net Interest Income | $16.98B | $17.13B | $15.74B | $59.79B | $15.67B |
| -Interest Income | $38.77B | $37.66B | $35.51B | $142.86B | $36.65B |
| -Interest Expense | $21.78B | $20.54B | $19.77B | $83.07B | $20.98B |
| Non-Interest Income | $6.86B | $7.64B | $8.92B | $25.42B | $4.01B |
| -Fees and Commissions | $4.19B | $2.86B | $2.96B | $10.38B | $2.52B |
| -Trading Gain Loss | $2.28B | $686.00M | $2.19B | $4.11B | -$107.00M |
| -Other Non-Interest Income | $371.00M | $504.00M | $359.00M | -$504.00M | -$1.26B |
| -Gain Loss on Sale of Assets | $26.00M | $100.00M | $160.00M | $107.00M | -$142.00M |
| Credit Losses Provision | -$2.50B | -$2.50B | -$2.82B | -$10.17B | -$2.18B |
| Non-Interest Expense | $14.04B | $14.23B | $14.32B | $54.12B | $13.59B |
| Occupancy and Equipment | $632.00M | $618.00M | $586.00M | $2.48B | $681.00M |
| Professional Expense and Contract Services Expense | $434.00M | $438.00M | $441.00M | $2.07B | $573.00M |
| Selling and Admin Expenses | $7.85B | $8.29B | $8.63B | $30.82B | $7.41B |
| -Selling & Marketing Expense | $234.00M | $283.00M | $233.00M | $1.10B | $318.00M |
| -General & Admin Expense | $7.62B | $8.01B | $8.40B | $29.73B | $7.09B |
| Other Non-Interest Expenses | $5.12B | $4.88B | $4.67B | $18.75B | $4.93B |
| Special Income (Charges) | $0.00 | – | – | -$1.10B | -$88.00M |
| -Less:Restructuring and Mergern & Acquisition | $0.00 | – | – | -$14.00M | -$4.00M |
| Pretax Profit | $7.31B | $8.03B | $7.52B | $19.83B | $3.81B |
| Tax | $1.89B | $2.01B | $1.58B | $5.37B | $1.29B |
| Net Profit | $5.42B | $6.02B | $5.94B | $14.45B | $2.52B |
| Profit from Continuing Operations | $5.42B | $6.02B | $5.94B | $14.46B | $2.52B |
| Net Income from Discontinuous Operations | $0.00 | $0.00 | -$1.00M | -$3.00M | -$1.00M |
| Minority Interests | $175.00M | $193.00M | $153.00M | $146.00M | $51.00M |
| Net Income to Parent Company | $5.25B | $5.83B | $5.79B | $14.31B | $2.47B |
| Preferred Stock Dividends | $353.00M | $338.00M | $305.00M | $1.11B | $284.00M |
| Other Preferred Stock Dividends | $52.00M | $47.00M | $56.00M | $171.00M | $38.00M |
| Net Income to Common Stockholders | $4.84B | $5.45B | $5.42B | $13.02B | $2.15B |
| Basic EPS | $2.90 | $3.20 | $3.12 | $7.11 | $1.21 |
| Diluted EPS | $2.85 | $3.15 | $3.06 | $6.99 | $1.19 |
| Dividend Per Share | $0.67 | $0.60 | $0.60 | $2.32 | $0.60 |
| -Total Premiums Earned | – | $60.00M | $47.00M | $106.00M | $30.00M |
| -Investment Banking Profit | – | $1.64B | $1.39B | $5.10B | $1.41B |
| -Foreign Exchange Trading Gains | – | $1.80B | $1.82B | $6.13B | $1.56B |
| Other Income (Expense) | – | – | – | -$1.10B | -$88.00M |
| -Less:Other Special Charges | – | – | – | $238.00M | – |
| -Gain on Sale of Business | – | – | – | -$877.00M | -$580.00M |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $2.94T | $2.89T | $2.78T | $2.66T | $2.66T |
| Cash, Cash Equivalents & Federal Funds Sold | $766.17B | $771.07B | $738.82B | $705.77B | $705.77B |
| -Cash and Cash Equivalents | $354.84B | $366.41B | $385.72B | $349.58B | $349.58B |
| -Money Market Investments | $411.33B | $404.66B | $353.09B | $356.20B | $356.20B |
| Securities Investment | $1.11T | $806.37B | $772.26B | $747.55B | $747.55B |
| -Trading Securities | $635.08B | $350.71B | $334.48B | $308.32B | $308.32B |
| -Available for Sale Securities | $8.42B | $8.26B | $7.84B | $7.68B | $7.68B |
| -Held to Maturity Securities | $157.50B | $167.77B | $178.41B | $189.76B | $189.76B |
| -Short Term Investments | $306.85B | $279.63B | $251.54B | $241.79B | $241.79B |
| Net Loan | $799.61B | $773.57B | $741.86B | $732.86B | $732.86B |
| -Gross Loan | $819.71B | $793.54B | $761.50B | $752.11B | $752.11B |
| -Allowance for Loans and Lease Losses | $20.09B | $19.96B | $19.64B | $19.25B | $19.25B |
| Receivables | $102.77B | $83.45B | $91.84B | $62.80B | $62.80B |
| -Accounts Receivable | $102.77B | $83.32B | $91.72B | $62.68B | $62.68B |
| Net PPE | $34.08B | $33.90B | $33.57B | $33.34B | $33.34B |
| Goodwill and Other Intangible Assets | $24.11B | $24.02B | $23.30B | $23.38B | $23.38B |
| -Goodwill | $19.07B | $19.01B | $19.00B | $19.10B | $19.10B |
| -Other Intangible Assets | $5.03B | $5.00B | $4.31B | $4.28B | $4.28B |
| Other Assets | $106.70B | $402.29B | $376.03B | $351.49B | $351.49B |
| Total Liabilities | $2.73T | $2.68T | $2.57T | $2.44T | $2.44T |
| Total Deposits | $1.51T | $1.49T | $1.45T | $1.40T | $1.40T |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | $410.17B | $411.13B | $369.59B | $348.10B | $348.10B |
| Short-Term Debt and Capital Lease Obligation | $61.52B | $68.98B | $72.06B | $51.88B | $51.88B |
| -Current Debt | $61.52B | $68.98B | $72.06B | $51.88B | $51.88B |
| Trading Liabilities | $212.64B | $187.19B | $185.27B | $162.80B | $162.80B |
| Payables | $120.45B | $116.08B | $111.22B | $74.84B | $74.84B |
| -Accounts Payable | $120.45B | $116.08B | $111.22B | $74.84B | $74.84B |
| Long Term Debt and Capital Lease Obligation | $345.79B | $333.75B | $307.57B | $315.83B | $315.83B |
| -Long Term Debt | $345.79B | $333.75B | $307.57B | $315.83B | $315.83B |
| Non-Current Liabilities | $2.04B | – | – | – | – |
| Other Liabilities | $71.57B | $70.48B | $73.18B | $86.37B | $86.37B |
| Total Equity | $211.78B | $214.45B | $212.57B | $213.82B | $213.82B |
| Stockholders' Equity | $209.41B | $212.02B | $210.96B | $212.29B | $212.29B |
| Capital Stock | $18.08B | $19.58B | $19.58B | $20.08B | $20.08B |
| -Common Stock | $31.00M | $31.00M | $31.00M | $31.00M | $31.00M |
| -Preferred Stock | $18.05B | $19.55B | $19.55B | $20.05B | $20.05B |
| Additional Paid-In Capital | $107.45B | $107.34B | $107.82B | $108.45B | $108.45B |
| Retained Earnings | $227.73B | $223.99B | $219.54B | $215.13B | $215.13B |
| Less: Treasury Stock | $102.42B | $99.40B | $95.37B | $89.47B | $89.47B |
| Gains/Losses Not Affecting Retained Earnings | -$41.44B | -$39.50B | -$40.62B | -$41.90B | -$41.90B |
| Minority Interests | $2.37B | $2.44B | $1.61B | $1.53B | $1.53B |
| -Other Receivables | – | $123.00M | $116.00M | $119.00M | $119.00M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$24.08B | -$21.87B | -$67.63B | $26.56B | $1.10B |
| Net cash flow from continuing operations | -$24.08B | -$21.87B | -$67.63B | $26.56B | $1.10B |
| Net Income from Continuing Operations | $5.83B | $5.79B | $14.31B | $2.47B | $3.75B |
| Gain/Loss from Continuing Operations | -$122.00M | -$116.00M | $1.22B | $1.28B | -$84.00M |
| Depreciation & Depletion & Amortization | $1.15B | $1.12B | $4.37B | $1.10B | $1.12B |
| Deferred Tax | $357.00M | -$168.00M | $452.00M | $225.00M | $7.00M |
| Other Non-Cash Items | -$4.14B | $1.33B | -$14.11B | -$1.26B | $918.00M |
| Change in Working Capital | -$29.67B | -$32.62B | -$84.87B | $20.51B | -$7.79B |
| -Change in Loans | -$1.48B | $588.00M | -$1.87B | -$2.18B | $5.12B |
| -Change in Other Current Assets | -$5.53B | -$6.92B | -$12.92B | -$2.58B | -$1.76B |
| -Change in Other Current Liabilities | $3.08B | $264.00M | -$863.00M | -$907.00M | -$393.00M |
| -Change in Other Working Capital | -$25.74B | -$26.56B | -$69.21B | $26.18B | -$10.77B |
| Net cash flow from investing | -$106.22B | -$12.39B | -$108.28B | -$49.33B | -$10.00B |
| Net Cash Flow from Continuing Investing Activities | -$106.22B | -$12.39B | -$108.28B | -$49.33B | -$10.00B |
| Capital Expenditure | -$1.55B | -$1.42B | -$6.52B | -$1.63B | -$1.62B |
| Net PPE Purchase and Sale | $40.00M | $3.00M | $62.00M | $38.00M | $8.00M |
| Net Business Purchase and Sale | $144.00M | $233.00M | $0.00 | – | – |
| Net Investment Purchase and Sale | -$17.20B | -$2.24B | $48.72B | $8.08B | -$1.35B |
| Net Income from Loans | -$35.03B | -$12.22B | -$70.58B | -$21.05B | -$11.30B |
| Net Other Investing Changes | -$1.06B | $150.00M | $2.17B | $83.00M | $1.71B |
| Financing Cash Flow | $110.91B | $71.25B | $238.03B | $25.28B | $20.69B |
| Net Cash Flow from Continuing Financing Activities | $110.91B | $71.25B | $238.03B | $25.28B | $20.69B |
| Change in Federal Funds and Securities Sold for Repurchase | $41.54B | $21.49B | $93.34B | -$1.63B | $1.81B |
| Increase/Decrease in Deposit | $46.37B | $42.67B | $137.95B | $32.39B | $26.20B |
| Net Issuance Payments of Debt | $25.95B | $16.41B | $22.08B | -$2.50B | -$3.64B |
| Net Common Stock Issuance | -$4.00B | -$6.30B | -$13.25B | -$4.50B | -$5.00B |
| Net Preferred Stock Issuance | $0.00 | -$515.00M | $2.19B | $996.00M | $2.70B |
| Cash Dividends Paid | -$1.36B | -$1.35B | -$5.37B | -$1.35B | -$1.37B |
| Net Other Financing Activities | $2.41B | -$1.15B | $1.10B | $1.87B | -$5.00M |
| Ending Cash Balance | $366.41B | $385.72B | $349.58B | $349.58B | $348.06B |
| Net Change in Cash | -$19.39B | $36.99B | $62.12B | $2.51B | $11.78B |
| Beginning Cash Balance | $385.72B | $349.58B | $276.53B | $348.06B | $337.47B |
| Effect of Exchange Rate Changes | $80.00M | -$842.00M | $10.93B | -$987.00M | -$1.20B |
| Free Cash Flow | -$25.63B | -$23.29B | -$74.15B | $24.92B | -$517.00M |
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