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Citigroup Inc. C

19 fiscal years on record · USD · FY2025 reported · SEC filings only
$85.2B
▲ 5.6% YoY
$14.3B
▲ 12.8% YoY
$-74.2B

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Citigroup provides consumers, corporations, governments and institutions with financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, trade and securities services and wealth management, in nearly 160 countries and jurisdictions. It is managed under five reportable business segments: Services, Markets, Banking, Wealth and U.S. Personal Banking, with activities not assigned to those segments included in All Other. Services includes TTS, which provides cash management, payments and trade and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which connects investors and issuers across global markets. Markets includes Fixed Income Markets and Equity Markets, and supplies corporate, institutional and public sector clients with sales and trading services across equities, foreign exchange, rates, spread products and commodities. Banking includes Investment Banking, which serves capital-raising needs through equity and debt capital markets financing, loan syndication structuring and advisory work on mergers and acquisitions, and Corporate Lending, made up of corporate and commercial banking. Wealth includes the Private Bank, Citigold and Wealth at Work, and offers banking, investment, lending and custody products to ultra-high net worth, high net worth and affluent clients in approximately 20 countries. U.S. Personal Banking includes Branded Cards, Retail Services and Retail Banking, whose branches are concentrated in six metropolitan areas: New York, Los Angeles, San Francisco, Chicago, Miami and Washington, D.C. Its history dates back to the founding of the City Bank of New York in 1812.

Written from the business description in Citigroup Inc's annual report to the U.S. Securities and Exchange Commission, filed 20 February 2026. Every sentence was checked against that document before publication.

Growth

USD 85.2B
Revenue, FY2025 · full 19-year series below
Revenue $B Net income $B
FY2025 · Revenue 85.2 · Net income 14.3
40B80B-10B-20B
2007201020132016201920222025
Compound annual growth
+4.2%
+2.5%
+1.1%
−0.1%
−1.2%
+5.3%
−1.8%
+2.0%
−0.0%
+8.2%
+2.6%
+4.6%
+31.2%
+17.6%
+10.8%
+60.8%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +2.5% a year over the five years to FY2025 — but profit grew faster: net income at +5.3%, earnings per share at +8.2%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

17 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 23.3% · Net 17.0%
10%20%30%-20%-40%
200720162025
ROE
FY2025 · ROE 6.8%
5%10%-10%-20%
200720162025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 7 cents of profit this year.

Cash & shareholders

USD 18.6B
returned in FY2025 · dividends + net buybacks
Free cash flow $B
FY2025 · FCF -74.2
40B80B-30B-60B
200720162025
Net buybacks $B Dividends $B
FY2025 · Dividends 5.4 · Net buybacks 13.2
10B20B-10B-20BDividendsNet buybacks
2007201020132016201920222025

USD 5.4B in dividends and USD 13.2B in buybacks — 130% of the year's profit, so the payout drew on cash built up earlier.

Total assetsUSD 2.66T
EquityUSD 212.3B
CashUSD 349.6B
Gross debtUSD 367.7B
Net debtUSD 18.1B
DepositsUSD 1.40T

Net debt stands at 9% of equity.

The 19-year record

19 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
C, 19-year financial record
Metric 2025202420232022202120202019201820172016201520142013201220112010200920082007
Revenue $B85.280.778.175.371.975.575.172.972.470.876.477.276.769.277.386.680.351.677.3
Operating income $B19.817.012.918.827.513.623.923.422.821.524.814.7◌◌◌◌◌◌◌
EBITDA $B24.221.417.523.131.417.627.827.226.425.228.318.3◌◌◌◌◌◌◌
Income tax $B5.44.23.53.65.52.54.45.429.46.47.47.26.20.03.62.2−6.7−20.3−2.5
Net income $B14.312.79.214.822.011.019.418.0−6.814.917.27.313.77.511.110.6−1.6−27.73.6
Free cash flow $B−74.2−26.2−80.019.443.0−26.9−18.233.2−12.151.036.543.059.8−14.061.333.3−56.993.9−75.6
EPS, diluted $6.995.944.047.0010.144.728.046.68−2.984.725.402.204.342.443.633.54−7.99−5.630.67
Dividend / sh $◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Payout %3841563424482828−5615792210−202−27298
ROE %6.86.14.57.410.95.610.09.1−3.26.78.03.56.94.16.56.7−1.1−21.33.0

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Compare

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Provenance

Company facts, as filed

How we verify · 0 failures · 1 divergence in 56 reconciliationsAUDITED

Reconciled in 18 of the 19 fiscal years we could check. 1 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. 10 checks were skipped: cost of revenue is not tagged before 2017. One check was skipped: the balance sheet is not tagged before 2008.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures1 divergent
ActivityNational Commercial Banks
Listed onNYSE
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2007

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