Annual Income Statements for Citigroup
This table shows Citigroup's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Citigroup
This table shows Citigroup's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
2,513 |
4,606 |
2,915 |
3,546 |
-1,839 |
3,371 |
3,217 |
3,238 |
2,856 |
4,064 |
4,019 |
Consolidated Net Income / (Loss) |
|
2,534 |
4,651 |
2,951 |
3,587 |
-1,808 |
3,407 |
3,263 |
3,273 |
2,890 |
4,107 |
4,033 |
Net Income / (Loss) Continuing Operations |
|
2,536 |
4,652 |
2,952 |
3,585 |
-1,807 |
3,408 |
3,263 |
3,274 |
2,890 |
4,108 |
4,033 |
Total Pre-Tax Income |
|
3,176 |
6,183 |
4,042 |
4,788 |
-2,103 |
4,544 |
4,310 |
4,390 |
3,802 |
5,448 |
5,219 |
Total Revenue |
|
18,505 |
21,447 |
19,436 |
20,139 |
17,440 |
21,016 |
20,032 |
20,315 |
19,581 |
21,596 |
21,668 |
Net Interest Income / (Expense) |
|
13,270 |
13,348 |
13,900 |
13,828 |
13,824 |
13,507 |
13,493 |
13,362 |
13,733 |
14,012 |
15,175 |
Total Interest Income |
|
25,708 |
29,395 |
32,647 |
34,837 |
36,379 |
36,223 |
35,987 |
36,456 |
35,047 |
33,666 |
35,859 |
Investment Securities Interest Income |
|
25,708 |
29,395 |
32,647 |
34,837 |
36,379 |
36,223 |
35,987 |
36,456 |
35,047 |
33,666 |
35,859 |
Total Interest Expense |
|
12,438 |
16,047 |
18,747 |
21,009 |
22,555 |
22,716 |
22,494 |
23,094 |
21,314 |
19,654 |
20,684 |
Total Non-Interest Income |
|
4,736 |
8,099 |
5,536 |
6,311 |
3,616 |
7,509 |
6,539 |
6,953 |
5,848 |
7,584 |
6,493 |
Other Service Charges |
|
532 |
1,809 |
897 |
1,149 |
-7.00 |
1,514 |
1,108 |
1,008 |
1,210 |
893 |
239 |
Net Realized & Unrealized Capital Gains on Investments |
|
275 |
-14 |
-22 |
-41 |
261 |
85 |
2.00 |
31 |
207 |
63 |
103 |
Investment Banking Income |
|
2,016 |
2,366 |
2,132 |
2,195 |
2,212 |
2,636 |
2,555 |
2,695 |
2,572 |
2,707 |
2,745 |
Other Non-Interest Income |
|
2,419 |
3,939 |
2,528 |
3,008 |
1,146 |
3,274 |
2,874 |
3,219 |
1,856 |
3,921 |
3,406 |
Provision for Credit Losses |
|
2,225 |
1,975 |
1,824 |
1,894 |
3,406 |
2,463 |
2,484 |
2,570 |
2,608 |
2,615 |
2,891 |
Total Non-Interest Expense |
|
12,511 |
13,289 |
13,570 |
13,457 |
16,050 |
14,009 |
13,246 |
13,355 |
13,081 |
13,533 |
13,577 |
Salaries and Employee Benefits |
|
6,618 |
7,538 |
7,388 |
7,424 |
6,882 |
7,673 |
6,888 |
7,058 |
6,923 |
7,464 |
7,633 |
Net Occupancy & Equipment Expense |
|
2,959 |
2,725 |
2,904 |
2,876 |
3,109 |
2,831 |
2,835 |
2,879 |
2,928 |
2,953 |
2,905 |
Marketing Expense |
|
424 |
331 |
361 |
324 |
377 |
228 |
280 |
282 |
323 |
250 |
269 |
Other Operating Expenses |
|
2,510 |
2,695 |
2,917 |
2,833 |
4,901 |
3,052 |
3,199 |
3,127 |
2,918 |
2,869 |
2,753 |
Restructuring Charge |
|
- |
0.00 |
0.00 |
0.00 |
781 |
225 |
36 |
9.00 |
-11 |
-3.00 |
-2.00 |
Income Tax Expense |
|
640 |
1,531 |
1,090 |
1,203 |
-296 |
1,136 |
1,047 |
1,116 |
912 |
1,340 |
1,186 |
Net Income / (Loss) Discontinued Operations |
|
-2.00 |
-1.00 |
-1.00 |
2.00 |
-1.00 |
-1.00 |
0.00 |
-1.00 |
- |
-1.00 |
0.00 |
Net Income / (Loss) Attributable to Noncontrolling Interest |
|
21 |
45 |
36 |
41 |
31 |
36 |
46 |
35 |
34 |
43 |
14 |
Basic Earnings per Share |
|
$1.17 |
$2.21 |
$1.34 |
$1.64 |
($1.12) |
$1.59 |
$1.54 |
$1.53 |
$1.37 |
$2.00 |
$1.98 |
Weighted Average Basic Shares Outstanding |
|
1.95B |
1.94B |
1.94B |
1.92B |
1.93B |
1.91B |
1.91B |
1.90B |
1.90B |
1.88B |
1.86B |
Diluted Earnings per Share |
|
$1.16 |
$2.19 |
$1.33 |
$1.63 |
($1.11) |
$1.58 |
$1.52 |
$1.51 |
$1.33 |
$1.96 |
$1.96 |
Weighted Average Diluted Shares Outstanding |
|
1.96B |
1.96B |
1.97B |
1.95B |
1.96B |
1.94B |
1.95B |
1.94B |
1.94B |
1.92B |
1.89B |
Weighted Average Basic & Diluted Shares Outstanding |
|
1.94B |
1.95B |
1.93B |
1.91B |
1.91B |
1.91B |
1.91B |
1.89B |
1.88B |
1.87B |
1.84B |
Annual Cash Flow Statements for Citigroup
This table details how cash moves in and out of Citigroup's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
2,223 |
-11,208 |
27,397 |
20,022 |
7,589 |
5,814 |
115,696 |
-47,582 |
79,992 |
-81,093 |
15,600 |
Net Cash From Operating Activities |
|
39,029 |
22,387 |
38,705 |
-8,774 |
36,952 |
-12,837 |
-23,488 |
47,090 |
25,069 |
-73,416 |
-19,669 |
Net Cash From Continuing Operating Activities |
|
46,343 |
39,737 |
53,733 |
-8,774 |
36,944 |
-12,841 |
-23,488 |
47,090 |
24,838 |
-73,416 |
-19,669 |
Net Income / (Loss) Continuing Operations |
|
-2.00 |
-54 |
-58 |
-6,687 |
18,045 |
19,401 |
11,067 |
21,945 |
15,076 |
9,229 |
12,684 |
Consolidated Net Income / (Loss) |
|
- |
- |
- |
-6,687 |
18,053 |
19,405 |
- |
21,952 |
14,845 |
9,228 |
12,682 |
Depreciation Expense |
|
3,589 |
3,506 |
3,720 |
3,659 |
3,754 |
3,905 |
3,937 |
3,964 |
4,262 |
4,560 |
4,311 |
Non-Cash Adjustments to Reconcile Net Income |
|
8,185 |
-7,383 |
7,728 |
20,632 |
-8,095 |
15,513 |
-2,678 |
-13,905 |
-19,061 |
2,996 |
12,258 |
Changes in Operating Assets and Liabilities, net |
|
20,219 |
19,210 |
20,566 |
-33,881 |
15,773 |
-59,970 |
-53,182 |
35,086 |
24,792 |
-90,201 |
-48,922 |
Net Cash From Investing Activities |
|
29,837 |
33,812 |
-54,135 |
-38,751 |
-73,118 |
-23,374 |
-92,445 |
-110,746 |
-79,455 |
-8,459 |
86,250 |
Net Cash From Continuing Investing Activities |
|
28,582 |
14,883 |
-54,135 |
-38,751 |
-73,118 |
-23,374 |
-92,445 |
-110,746 |
-79,455 |
-8,459 |
86,250 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-3,386 |
-3,198 |
-2,756 |
-3,361 |
-3,774 |
-5,336 |
-3,446 |
-4,119 |
-5,632 |
-6,583 |
-6,500 |
Purchase of Investment Securities |
|
-257,822 |
-241,009 |
-251,163 |
-243,802 |
-219,695 |
-296,957 |
-318,138 |
-343,603 |
-278,241 |
-281,037 |
-288,579 |
Sale and/or Maturity of Investments |
|
276,232 |
249,192 |
216,657 |
200,666 |
150,037 |
259,557 |
229,139 |
236,976 |
198,677 |
280,554 |
381,329 |
Other Investing Activities, net |
|
- |
- |
- |
- |
- |
- |
- |
0.00 |
5,741 |
-1,393 |
0.00 |
Net Cash From Financing Activities |
|
-70,270 |
-64,773 |
28,292 |
66,854 |
44,528 |
42,933 |
233,595 |
17,272 |
137,763 |
687 |
-38,304 |
Net Cash From Continuing Financing Activities |
|
-70,270 |
-64,773 |
28,292 |
66,854 |
44,528 |
42,933 |
233,595 |
17,272 |
137,763 |
687 |
-38,304 |
Net Change in Deposits |
|
-48,336 |
8,555 |
24,394 |
30,416 |
53,348 |
57,420 |
210,081 |
44,966 |
68,415 |
-57,273 |
-24,223 |
Issuance of Debt |
|
66,836 |
44,619 |
63,806 |
81,711 |
60,655 |
71,837 |
76,458 |
70,658 |
104,748 |
65,819 |
99,075 |
Issuance of Preferred Equity |
|
3,699 |
6,227 |
2,498 |
0.00 |
0.00 |
1,496 |
2,995 |
3,300 |
0.00 |
2,739 |
5,282 |
Repayment of Debt |
|
-60,022 |
-90,099 |
-45,838 |
-40,986 |
-70,238 |
-51,029 |
-78,937 |
-76,491 |
-37,962 |
-74,598 |
-81,909 |
Repurchase of Preferred Equity |
|
- |
- |
- |
0.00 |
-793 |
-1,980 |
-1,500 |
-3,785 |
0.00 |
-4,145 |
-5,050 |
Repurchase of Common Equity |
|
-1,232 |
-5,452 |
-9,290 |
-14,541 |
-14,433 |
-17,571 |
-2,925 |
-7,601 |
-3,250 |
-1,977 |
-2,474 |
Payment of Dividends |
|
-633 |
-1,253 |
-2,287 |
-3,797 |
-5,020 |
-5,447 |
-5,352 |
-5,198 |
-5,003 |
-5,212 |
-5,199 |
Other Financing Activities, Net |
|
-30,582 |
-27,370 |
-4,991 |
14,051 |
21,009 |
-11,793 |
32,775 |
-8,577 |
10,815 |
75,334 |
-23,806 |
Effect of Exchange Rate Changes |
|
- |
- |
- |
693 |
-773 |
-908 |
-1,966 |
-1,198 |
-3,385 |
95 |
-12,677 |
Cash Interest Paid |
|
14,001 |
12,031 |
12,067 |
15,675 |
22,963 |
27,901 |
12,094 |
7,143 |
22,615 |
72,989 |
88,027 |
Cash Income Taxes Paid |
|
4,632 |
4,978 |
4,359 |
2,083 |
4,313 |
4,888 |
4,797 |
4,028 |
3,733 |
5,727 |
5,798 |
Quarterly Cash Flow Statements for Citigroup
This table details how cash moves in and out of Citigroup's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Change in Cash & Equivalents |
|
42,418 |
-18,066 |
-27,051 |
-42,921 |
6,945 |
11,798 |
-26,596 |
56,960 |
-26,562 |
31,799 |
29,142 |
Net Cash From Operating Activities |
|
12,813 |
-30,485 |
-54,059 |
15,794 |
-4,666 |
-10,831 |
-16,960 |
-16,674 |
24,796 |
-58,708 |
-36,579 |
Net Cash From Continuing Operating Activities |
|
13,040 |
-30,485 |
-54,059 |
15,794 |
-4,666 |
-10,831 |
-16,960 |
-16,674 |
24,796 |
-58,708 |
-36,579 |
Net Income / (Loss) Continuing Operations |
|
2,515 |
4,607 |
2,916 |
3,544 |
-1,838 |
3,372 |
3,217 |
3,239 |
2,856 |
4,065 |
4,019 |
Consolidated Net Income / (Loss) |
|
2,513 |
4,606 |
2,915 |
3,546 |
-1,839 |
3,371 |
3,217 |
3,238 |
2,856 |
4,064 |
4,019 |
Depreciation Expense |
|
1,108 |
1,111 |
1,136 |
1,141 |
1,172 |
1,110 |
1,101 |
1,081 |
1,019 |
1,050 |
1,097 |
Non-Cash Adjustments to Reconcile Net Income |
|
-540 |
1,905 |
2,152 |
395 |
-1,456 |
4,384 |
2,792 |
-5,718 |
10,800 |
-4,527 |
-8,994 |
Changes in Operating Assets and Liabilities, net |
|
9,730 |
-38,108 |
-60,263 |
10,714 |
-2,544 |
-19,697 |
-24,070 |
-15,276 |
10,121 |
-59,296 |
-32,701 |
Net Cash From Investing Activities |
|
-36,207 |
-3,073 |
45,790 |
-12,710 |
-38,466 |
14,844 |
12,269 |
51,388 |
7,749 |
-98,983 |
50,034 |
Net Cash From Continuing Investing Activities |
|
-36,207 |
-3,073 |
45,790 |
-12,710 |
-38,466 |
14,844 |
12,269 |
51,388 |
7,749 |
-98,983 |
50,034 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-1,965 |
-1,634 |
-1,491 |
-1,693 |
-1,765 |
-1,607 |
-1,644 |
-1,561 |
-1,688 |
-1,517 |
-1,755 |
Purchase of Investment Securities |
|
-55,818 |
-50,329 |
-73,363 |
-65,929 |
-91,416 |
-61,934 |
-80,300 |
-61,846 |
-84,499 |
-90,373 |
-94,973 |
Sale and/or Maturity of Investments |
|
19,077 |
48,919 |
120,644 |
56,049 |
54,942 |
78,385 |
94,213 |
114,795 |
93,936 |
-7,093 |
146,762 |
Net Cash From Financing Activities |
|
66,195 |
15,766 |
-16,847 |
-43,965 |
45,733 |
12,351 |
-18,740 |
15,391 |
-47,306 |
184,976 |
7,089 |
Net Cash From Continuing Financing Activities |
|
66,195 |
15,766 |
-16,847 |
-43,965 |
45,733 |
12,351 |
-18,740 |
15,391 |
-47,306 |
184,976 |
7,089 |
Net Change in Deposits |
|
59,468 |
-35,495 |
-10,592 |
-46,361 |
35,175 |
-1,518 |
-29,026 |
31,862 |
-25,541 |
31,952 |
47,411 |
Issuance of Debt |
|
-106 |
8,832 |
17,191 |
21,012 |
18,784 |
14,865 |
34,455 |
32,726 |
17,029 |
30,246 |
44,307 |
Repayment of Debt |
|
9,049 |
-12,471 |
-23,513 |
-14,312 |
-24,302 |
-20,137 |
-29,108 |
-18,284 |
-14,380 |
-23,093 |
-23,240 |
Repurchase of Preferred Equity |
|
- |
0.00 |
- |
-750 |
-3,395 |
-550 |
-1,250 |
-3,250 |
- |
-1,500 |
-2,000 |
Repurchase of Common Equity |
|
- |
0.00 |
-1,000 |
-429 |
-548 |
-413 |
-111 |
-982 |
-968 |
-1,751 |
-1,999 |
Payment of Dividends |
|
-1,226 |
-1,267 |
-1,280 |
-1,352 |
-1,313 |
-1,291 |
-1,252 |
-1,342 |
-1,314 |
-1,323 |
-1,328 |
Other Financing Activities, Net |
|
-990 |
54,922 |
2,347 |
-3,267 |
21,332 |
20,847 |
5,809 |
-26,834 |
-23,628 |
148,450 |
-56,062 |
Effect of Exchange Rate Changes |
|
-383 |
-274 |
-1,935 |
-2,040 |
4,344 |
-4,566 |
-3,165 |
6,855 |
-11,801 |
4,514 |
8,598 |
Cash Interest Paid |
|
10,058 |
14,358 |
17,445 |
20,070 |
21,116 |
22,115 |
22,064 |
22,973 |
20,875 |
19,389 |
19,895 |
Cash Income Taxes Paid |
|
1,049 |
1,593 |
1,438 |
1,040 |
1,656 |
1,457 |
1,724 |
1,283 |
1,334 |
1,514 |
1,653 |
Annual Balance Sheets for Citigroup
This table presents Citigroup's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
1,213,540 |
2,074,165 |
2,145,381 |
190,417 |
1,917,383 |
1,951,158 |
2,260,090 |
2,291,413 |
2,416,676 |
2,411,834 |
2,352,945 |
Cash and Due from Banks |
|
32,108 |
20,900 |
23,043 |
23,775 |
23,645 |
23,967 |
26,349 |
27,515 |
30,577 |
27,342 |
22,782 |
Federal Funds Sold |
|
242,570 |
219,675 |
236,813 |
- |
270,684 |
251,322 |
294,712 |
327,288 |
365,401 |
345,700 |
274,062 |
Trading Account Securities |
|
630,229 |
584,170 |
597,229 |
- |
614,724 |
644,703 |
822,438 |
844,767 |
860,696 |
930,841 |
919,404 |
Loans and Leases, Net of Allowance |
|
0.00 |
604,991 |
612,309 |
-12,355 |
671,881 |
0.00 |
650,927 |
-16,455 |
640,247 |
671,217 |
675,914 |
Loans and Leases |
|
- |
617,617 |
624,369 |
- |
684,196 |
- |
650,927 |
- |
657,221 |
689,362 |
694,488 |
Allowance for Loan and Lease Losses |
|
- |
12,626 |
12,060 |
12,355 |
12,315 |
- |
- |
16,455 |
16,974 |
18,145 |
18,574 |
Premises and Equipment, Net |
|
- |
- |
- |
- |
- |
- |
- |
24,328 |
26,253 |
28,747 |
30,192 |
Goodwill |
|
23,592 |
22,349 |
21,659 |
22,256 |
22,046 |
22,126 |
22,162 |
21,299 |
19,691 |
20,098 |
19,300 |
Intangible Assets |
|
4,566 |
3,721 |
5,114 |
- |
5,220 |
4,822 |
4,747 |
4,495 |
4,428 |
4,421 |
4,494 |
Other Assets |
|
152,386 |
506,162 |
511,763 |
- |
144,723 |
834,266 |
155,489 |
807,203 |
157,935 |
149,878 |
406,797 |
Total Liabilities & Shareholders' Equity |
|
1,842,181 |
1,731,210 |
1,792,077 |
0.00 |
1,917,383 |
1,951,158 |
2,260,090 |
2,291,413 |
2,416,676 |
2,411,834 |
2,352,945 |
Total Liabilities |
|
1,630,485 |
1,508,118 |
1,565,934 |
0.00 |
1,720,309 |
1,757,212 |
2,059,890 |
2,088,741 |
2,214,838 |
2,205,583 |
2,143,579 |
Non-Interest Bearing Deposits |
|
199,883 |
210,826 |
214,314 |
- |
186,484 |
184,503 |
227,485 |
1,317,230 |
1,365,954 |
1,308,681 |
1,284,458 |
Federal Funds Purchased and Securities Sold |
|
173,438 |
146,496 |
141,821 |
- |
177,768 |
166,339 |
199,525 |
191,285 |
202,444 |
278,107 |
254,755 |
Short-Term Debt |
|
110,515 |
74,801 |
87,853 |
- |
96,917 |
93,650 |
79,998 |
89,403 |
116,314 |
100,996 |
115,106 |
Long-Term Debt |
|
223,080 |
201,275 |
206,178 |
- |
231,999 |
248,760 |
271,686 |
254,374 |
271,606 |
286,619 |
287,300 |
Other Long-Term Liabilities |
|
224,120 |
177,659 |
200,676 |
- |
200,455 |
177,873 |
228,010 |
236,449 |
258,520 |
231,180 |
201,960 |
Total Equity & Noncontrolling Interests |
|
211,696 |
223,092 |
226,143 |
0.00 |
197,074 |
193,946 |
200,200 |
202,672 |
201,838 |
206,251 |
209,366 |
Total Preferred & Common Equity |
|
210,185 |
221,857 |
225,120 |
0.00 |
196,220 |
193,242 |
199,442 |
201,972 |
201,189 |
205,453 |
208,598 |
Preferred Stock |
|
10,468 |
16,718 |
19,253 |
- |
18,460 |
17,980 |
19,480 |
18,995 |
18,995 |
17,600 |
17,850 |
Total Common Equity |
|
199,717 |
205,139 |
205,867 |
0.00 |
177,760 |
175,262 |
179,962 |
182,977 |
182,194 |
187,853 |
190,748 |
Common Stock |
|
108,010 |
108,319 |
108,073 |
- |
107,953 |
107,871 |
107,877 |
108,034 |
108,489 |
108,986 |
109,148 |
Retained Earnings |
|
117,852 |
133,841 |
146,477 |
- |
151,347 |
165,369 |
168,272 |
184,948 |
194,734 |
198,905 |
206,294 |
Treasury Stock |
|
-2,929 |
-7,677 |
-16,302 |
- |
-44,370 |
-61,660 |
-64,129 |
-71,240 |
-73,967 |
-75,238 |
-76,842 |
Accumulated Other Comprehensive Income / (Loss) |
|
-23,216 |
-29,344 |
-32,381 |
- |
-37,170 |
-36,318 |
-32,058 |
-38,765 |
-47,062 |
-44,800 |
-47,852 |
Noncontrolling Interest |
|
1,511 |
1,235 |
1,023 |
- |
854 |
704 |
758 |
700 |
649 |
798 |
768 |
Quarterly Balance Sheets for Citigroup
This table presents Citigroup's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Total Assets |
|
2,416,676 |
2,455,113 |
2,423,675 |
2,368,477 |
2,411,834 |
2,432,510 |
2,405,686 |
2,430,663 |
2,352,945 |
2,571,514 |
2,622,772 |
Cash and Due from Banks |
|
30,577 |
26,224 |
25,763 |
26,548 |
27,342 |
25,174 |
26,917 |
25,266 |
22,782 |
24,463 |
24,991 |
Federal Funds Sold |
|
365,401 |
384,198 |
337,103 |
335,059 |
345,700 |
344,264 |
317,970 |
285,928 |
274,062 |
390,215 |
323,892 |
Trading Account Securities |
|
860,696 |
896,484 |
668,268 |
915,366 |
930,841 |
946,651 |
954,615 |
948,743 |
919,404 |
971,465 |
1,017,958 |
Loans and Leases, Net of Allowance |
|
640,247 |
634,826 |
643,116 |
648,719 |
671,217 |
656,282 |
669,506 |
670,566 |
675,914 |
683,330 |
706,222 |
Loans and Leases |
|
657,221 |
651,995 |
660,612 |
666,348 |
689,362 |
674,578 |
687,722 |
688,922 |
694,488 |
702,056 |
725,345 |
Allowance for Loan and Lease Losses |
|
16,974 |
17,169 |
17,496 |
17,629 |
18,145 |
18,296 |
18,216 |
18,356 |
18,574 |
18,726 |
19,123 |
Premises and Equipment, Net |
|
26,253 |
27,119 |
27,818 |
27,959 |
28,747 |
29,188 |
29,399 |
30,096 |
30,192 |
30,814 |
32,312 |
Goodwill |
|
19,691 |
19,882 |
19,998 |
19,829 |
20,098 |
20,042 |
19,704 |
19,691 |
19,300 |
19,422 |
19,878 |
Intangible Assets |
|
4,428 |
4,632 |
4,576 |
4,540 |
4,421 |
4,338 |
4,226 |
4,121 |
4,494 |
4,430 |
4,409 |
Other Assets |
|
157,935 |
461,748 |
697,033 |
390,457 |
149,878 |
406,571 |
383,349 |
446,252 |
153,047 |
447,375 |
493,110 |
Total Liabilities & Shareholders' Equity |
|
2,416,676 |
2,455,113 |
2,423,675 |
2,368,477 |
2,411,834 |
2,432,510 |
2,405,686 |
2,430,663 |
2,352,945 |
2,571,514 |
2,622,772 |
Total Liabilities |
|
2,214,838 |
2,246,094 |
2,214,253 |
2,158,282 |
2,205,583 |
2,225,112 |
2,196,542 |
2,220,761 |
2,143,579 |
2,358,256 |
2,408,642 |
Non-Interest Bearing Deposits |
|
1,365,954 |
1,330,459 |
1,319,867 |
1,273,506 |
1,308,681 |
1,307,163 |
1,278,137 |
1,309,999 |
1,284,458 |
1,316,410 |
1,357,733 |
Federal Funds Purchased and Securities Sold |
|
202,444 |
257,681 |
260,035 |
256,770 |
278,107 |
299,387 |
305,206 |
278,377 |
254,755 |
403,959 |
347,913 |
Short-Term Debt |
|
116,314 |
116,895 |
109,863 |
118,242 |
100,996 |
104,923 |
112,315 |
122,526 |
115,106 |
127,441 |
146,509 |
Long-Term Debt |
|
271,606 |
279,684 |
274,510 |
275,760 |
286,619 |
285,495 |
280,321 |
299,081 |
287,300 |
295,684 |
317,761 |
Other Long-Term Liabilities |
|
258,520 |
261,375 |
249,978 |
234,004 |
231,180 |
228,144 |
220,563 |
210,778 |
201,960 |
214,762 |
238,726 |
Total Equity & Noncontrolling Interests |
|
201,838 |
209,019 |
209,422 |
210,195 |
206,251 |
207,398 |
209,144 |
209,902 |
209,366 |
213,258 |
214,130 |
Total Preferred & Common Equity |
|
201,189 |
208,295 |
208,719 |
209,503 |
205,453 |
206,585 |
208,310 |
209,083 |
208,598 |
212,408 |
213,222 |
Preferred Stock |
|
18,995 |
20,245 |
20,245 |
19,495 |
17,600 |
17,600 |
18,100 |
16,350 |
17,850 |
18,350 |
16,350 |
Total Common Equity |
|
182,194 |
188,050 |
188,474 |
190,008 |
187,853 |
188,985 |
190,210 |
192,733 |
190,748 |
194,058 |
196,872 |
Common Stock |
|
108,489 |
108,400 |
108,610 |
108,788 |
108,986 |
108,623 |
108,816 |
109,000 |
109,148 |
108,647 |
108,870 |
Retained Earnings |
|
194,734 |
198,353 |
199,976 |
202,135 |
198,905 |
200,956 |
202,913 |
204,770 |
206,294 |
209,013 |
211,674 |
Treasury Stock |
|
-73,967 |
-73,262 |
-74,247 |
-74,738 |
-75,238 |
-74,865 |
-74,842 |
-75,840 |
-76,842 |
-77,880 |
-79,886 |
Accumulated Other Comprehensive Income / (Loss) |
|
-47,062 |
-45,441 |
-45,865 |
-46,177 |
-44,800 |
-45,729 |
-46,677 |
-45,197 |
-47,852 |
-45,722 |
-43,786 |
Noncontrolling Interest |
|
649 |
724 |
703 |
692 |
798 |
813 |
834 |
819 |
768 |
850 |
908 |
Annual Metrics And Ratios for Citigroup
This table displays calculated financial ratios and metrics derived from Citigroup's official financial filings.
Metric |
|
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
0.65% |
-1.12% |
-7.28% |
2.33% |
0.75% |
2.85% |
0.58% |
-4.79% |
5.50% |
3.46% |
3.41% |
EBITDA Growth |
|
-20.60% |
53.15% |
-11.07% |
4.85% |
2.95% |
2.50% |
-36.98% |
78.91% |
-24.72% |
-25.80% |
22.16% |
EBIT Growth |
|
-25.76% |
68.87% |
-13.49% |
5.98% |
3.01% |
2.26% |
-43.14% |
101.50% |
-29.37% |
-33.01% |
31.85% |
NOPAT Growth |
|
-44.89% |
131.69% |
-13.53% |
-144.08% |
372.94% |
7.65% |
-42.96% |
98.24% |
-31.12% |
-38.13% |
36.80% |
Net Income Growth |
|
-45.97% |
131.03% |
-13.60% |
-145.00% |
368.33% |
7.67% |
-43.05% |
98.66% |
-32.20% |
-37.18% |
36.80% |
EPS Growth |
|
-49.31% |
145.45% |
-12.59% |
-163.14% |
324.16% |
20.36% |
-41.29% |
114.83% |
-30.97% |
-42.29% |
47.03% |
Operating Cash Flow Growth |
|
-21.00% |
-42.64% |
72.89% |
-122.67% |
521.15% |
-134.74% |
-82.97% |
300.49% |
-46.76% |
-392.86% |
73.21% |
Free Cash Flow Firm Growth |
|
-102.29% |
-5,925.79% |
98.20% |
4,244.31% |
-146.94% |
102.87% |
-148.56% |
720.97% |
-202.52% |
118.74% |
-196.15% |
Invested Capital Growth |
|
21.31% |
1,110.35% |
3.72% |
-78.20% |
176.23% |
1.97% |
2.90% |
-0.98% |
7.93% |
0.70% |
3.02% |
Revenue Q/Q Growth |
|
-0.24% |
0.73% |
-0.73% |
-0.59% |
-0.47% |
2.72% |
-1.88% |
-0.94% |
2.00% |
-0.72% |
2.71% |
EBITDA Q/Q Growth |
|
-6.95% |
13.21% |
1.71% |
-0.25% |
0.73% |
2.11% |
-1.80% |
-4.78% |
-0.15% |
-22.61% |
37.44% |
EBIT Q/Q Growth |
|
-13.32% |
15.59% |
1.38% |
0.00% |
0.80% |
2.09% |
-2.39% |
-5.22% |
-0.81% |
-28.54% |
53.81% |
NOPAT Q/Q Growth |
|
-20.44% |
21.04% |
1.25% |
-142.13% |
463.07% |
3.70% |
-5.72% |
-4.95% |
-4.07% |
-31.64% |
57.72% |
Net Income Q/Q Growth |
|
-21.95% |
20.75% |
1.55% |
-142.85% |
455.14% |
3.72% |
-5.65% |
-4.97% |
-4.14% |
-31.64% |
57.75% |
EPS Q/Q Growth |
|
-24.40% |
21.90% |
2.39% |
-157.42% |
435.68% |
6.77% |
-4.65% |
-3.80% |
-4.89% |
-35.97% |
69.71% |
Operating Cash Flow Q/Q Growth |
|
59.88% |
-26.46% |
227.09% |
-240.16% |
0.27% |
54.91% |
-8,897.00% |
-18.74% |
15,470.81% |
-31.25% |
59.97% |
Free Cash Flow Firm Q/Q Growth |
|
-22.13% |
-1,650.77% |
95.41% |
5,123.65% |
-185.32% |
-56.94% |
55.59% |
-16.08% |
-30.79% |
271.35% |
73.55% |
Invested Capital Q/Q Growth |
|
-114.83% |
62.63% |
-1.65% |
-79.24% |
-2.64% |
-0.28% |
-1.38% |
-0.66% |
0.40% |
-1.71% |
-3.13% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
23.96% |
37.11% |
35.59% |
36.47% |
37.27% |
37.14% |
23.27% |
43.73% |
31.20% |
22.38% |
26.43% |
EBIT Margin |
|
19.04% |
32.51% |
30.34% |
31.42% |
32.12% |
31.94% |
18.06% |
38.21% |
25.58% |
16.56% |
21.12% |
Profit (Net Income) Margin |
|
9.72% |
22.70% |
21.15% |
-9.30% |
24.77% |
25.93% |
14.68% |
30.64% |
19.69% |
11.96% |
15.82% |
Tax Burden Percent |
|
51.03% |
69.81% |
69.73% |
-29.60% |
77.12% |
81.45% |
81.33% |
80.18% |
79.41% |
72.66% |
75.28% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
99.70% |
100.00% |
100.00% |
96.94% |
99.33% |
99.47% |
Effective Tax Rate |
|
48.96% |
29.97% |
30.00% |
129.12% |
22.85% |
18.53% |
18.52% |
19.84% |
19.37% |
27.33% |
24.70% |
Return on Invested Capital (ROIC) |
|
0.00% |
4.58% |
1.75% |
-1.25% |
5.05% |
3.67% |
2.04% |
4.01% |
2.67% |
1.59% |
2.13% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
0.00% |
4.55% |
1.74% |
-1.27% |
5.05% |
3.66% |
2.04% |
4.01% |
2.61% |
1.59% |
2.13% |
Return on Net Nonoperating Assets (RNNOA) |
|
0.00% |
3.39% |
4.91% |
-4.71% |
13.30% |
6.29% |
3.58% |
6.92% |
4.71% |
3.01% |
4.05% |
Return on Equity (ROE) |
|
3.59% |
7.97% |
6.67% |
-5.96% |
18.35% |
9.96% |
5.63% |
10.93% |
7.38% |
4.60% |
6.18% |
Cash Return on Invested Capital (CROIC) |
|
0.00% |
-107.83% |
-1.90% |
127.16% |
-88.63% |
1.71% |
-0.81% |
5.00% |
-4.95% |
0.89% |
-0.84% |
Operating Return on Assets (OROA) |
|
1.20% |
1.51% |
1.02% |
1.95% |
2.22% |
1.24% |
0.65% |
1.21% |
0.82% |
0.54% |
0.72% |
Return on Assets (ROA) |
|
0.61% |
1.05% |
0.71% |
-0.58% |
1.72% |
1.01% |
0.53% |
0.97% |
0.63% |
0.39% |
0.54% |
Return on Common Equity (ROCE) |
|
3.41% |
7.42% |
6.10% |
-5.42% |
16.55% |
8.99% |
5.07% |
9.85% |
6.67% |
4.17% |
5.63% |
Return on Equity Simple (ROE_SIMPLE) |
|
3.57% |
7.81% |
6.65% |
0.00% |
9.21% |
10.07% |
5.56% |
10.91% |
7.42% |
4.57% |
6.15% |
Net Operating Profit after Tax (NOPAT) |
|
7,504 |
17,386 |
15,033 |
-6,627 |
18,088 |
19,471 |
11,107 |
22,018 |
15,165 |
9,382 |
12,835 |
NOPAT Margin |
|
9.72% |
22.77% |
21.23% |
-9.15% |
24.78% |
25.94% |
14.71% |
30.63% |
20.00% |
11.96% |
15.82% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.03% |
0.01% |
0.03% |
0.00% |
0.00% |
0.01% |
0.00% |
0.06% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
45.87% |
42.93% |
44.98% |
44.38% |
44.14% |
43.10% |
43.90% |
51.15% |
51.58% |
53.83% |
50.69% |
Operating Expenses to Revenue |
|
71.29% |
57.12% |
59.80% |
58.22% |
57.80% |
56.99% |
58.77% |
67.04% |
67.63% |
71.84% |
66.53% |
Earnings before Interest and Taxes (EBIT) |
|
14,701 |
24,826 |
21,477 |
22,761 |
23,445 |
23,974 |
13,632 |
27,469 |
19,400 |
12,997 |
17,136 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
18,500 |
28,332 |
25,197 |
26,420 |
27,199 |
27,879 |
17,569 |
31,433 |
23,662 |
17,557 |
21,447 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.63 |
0.58 |
0.64 |
0.00 |
0.58 |
0.83 |
0.62 |
0.59 |
0.44 |
0.50 |
0.69 |
Price to Tangible Book Value (P/TBV) |
|
0.74 |
0.67 |
0.74 |
0.00 |
0.68 |
0.98 |
0.73 |
0.68 |
0.51 |
0.58 |
0.79 |
Price to Revenue (P/Rev) |
|
1.64 |
1.56 |
1.87 |
2.15 |
1.41 |
1.94 |
1.47 |
1.49 |
1.06 |
1.20 |
1.63 |
Price to Earnings (P/E) |
|
17.32 |
6.93 |
8.88 |
0.00 |
5.71 |
7.49 |
10.08 |
4.88 |
5.40 |
10.22 |
10.43 |
Dividend Yield |
|
0.10% |
0.40% |
0.90% |
1.63% |
3.65% |
2.88% |
3.81% |
3.78% |
4.93% |
4.22% |
3.12% |
Earnings Yield |
|
5.77% |
14.44% |
11.26% |
0.00% |
17.51% |
13.34% |
9.92% |
20.50% |
18.52% |
9.79% |
9.59% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
0.07 |
0.06 |
0.00 |
0.00 |
0.11 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Enterprise Value to Revenue (EV/Rev) |
|
0.90 |
0.79 |
0.70 |
0.00 |
0.00 |
0.82 |
0.00 |
0.00 |
0.00 |
0.00 |
0.03 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
3.75 |
2.14 |
1.96 |
0.00 |
0.00 |
2.20 |
0.00 |
0.00 |
0.00 |
0.00 |
0.12 |
Enterprise Value to EBIT (EV/EBIT) |
|
4.72 |
2.44 |
2.30 |
0.00 |
0.00 |
2.56 |
0.00 |
0.00 |
0.00 |
0.00 |
0.15 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
9.25 |
3.49 |
3.29 |
0.00 |
0.00 |
3.15 |
0.00 |
0.00 |
0.00 |
0.00 |
0.21 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
1.78 |
2.71 |
1.28 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
6.73 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.58 |
1.24 |
1.30 |
0.00 |
1.67 |
1.77 |
1.76 |
1.70 |
1.92 |
1.88 |
1.92 |
Long-Term Debt to Equity |
|
1.05 |
0.90 |
0.91 |
0.00 |
1.18 |
1.28 |
1.36 |
1.26 |
1.35 |
1.39 |
1.37 |
Financial Leverage |
|
-1.45 |
0.75 |
2.82 |
3.70 |
2.64 |
1.72 |
1.76 |
1.73 |
1.81 |
1.90 |
1.90 |
Leverage Ratio |
|
5.86 |
7.56 |
9.39 |
10.33 |
10.70 |
9.89 |
10.68 |
11.30 |
11.64 |
11.83 |
11.46 |
Compound Leverage Factor |
|
5.86 |
7.56 |
9.39 |
10.33 |
10.70 |
9.86 |
10.68 |
11.30 |
11.28 |
11.75 |
11.40 |
Debt to Total Capital |
|
61.18% |
55.31% |
56.53% |
0.00% |
62.53% |
63.84% |
63.72% |
62.91% |
65.78% |
65.27% |
65.78% |
Short-Term Debt to Total Capital |
|
20.27% |
14.99% |
16.89% |
0.00% |
18.43% |
17.46% |
14.50% |
16.36% |
19.72% |
17.01% |
18.82% |
Long-Term Debt to Total Capital |
|
40.91% |
40.32% |
39.64% |
0.00% |
44.11% |
46.38% |
49.23% |
46.55% |
46.05% |
48.26% |
46.96% |
Preferred Equity to Total Capital |
|
1.92% |
3.35% |
3.70% |
0.00% |
3.51% |
3.35% |
3.53% |
3.48% |
3.22% |
2.96% |
2.92% |
Noncontrolling Interests to Total Capital |
|
0.28% |
0.25% |
0.20% |
0.00% |
0.16% |
0.13% |
0.14% |
0.13% |
0.11% |
0.13% |
0.13% |
Common Equity to Total Capital |
|
36.63% |
41.10% |
39.58% |
0.00% |
33.80% |
32.68% |
32.61% |
33.48% |
30.89% |
31.63% |
31.18% |
Debt to EBITDA |
|
18.03 |
9.74 |
11.67 |
0.00 |
12.09 |
12.28 |
20.02 |
10.94 |
16.39 |
22.08 |
18.76 |
Net Debt to EBITDA |
|
-3.74 |
-2.71 |
-4.10 |
0.00 |
-4.77 |
-3.69 |
-14.38 |
-7.81 |
-13.50 |
-12.47 |
-6.91 |
Long-Term Debt to EBITDA |
|
12.06 |
7.10 |
8.18 |
0.00 |
8.53 |
8.92 |
15.46 |
8.09 |
11.48 |
16.33 |
13.40 |
Debt to NOPAT |
|
44.46 |
15.88 |
19.56 |
0.00 |
18.18 |
17.59 |
31.66 |
15.61 |
25.58 |
41.31 |
31.35 |
Net Debt to NOPAT |
|
-9.22 |
-4.41 |
-6.87 |
0.00 |
-7.18 |
-5.28 |
-22.75 |
-11.15 |
-21.07 |
-23.34 |
-11.55 |
Long-Term Debt to NOPAT |
|
29.73 |
11.58 |
13.72 |
0.00 |
12.83 |
12.78 |
24.46 |
11.55 |
17.91 |
30.55 |
22.38 |
Noncontrolling Interest Sharing Ratio |
|
4.91% |
6.88% |
8.51% |
8.97% |
9.80% |
9.72% |
9.88% |
9.91% |
9.73% |
9.32% |
8.91% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-15,070 |
-908,087 |
-16,322 |
676,434 |
-317,485 |
9,105 |
-4,421 |
27,453 |
-28,144 |
5,274 |
-5,071 |
Operating Cash Flow to CapEx |
|
1,152.66% |
700.03% |
1,404.39% |
-261.05% |
979.12% |
-240.57% |
-681.60% |
1,143.24% |
445.12% |
-1,115.24% |
-302.60% |
Free Cash Flow to Firm to Interest Expense |
|
-1.10 |
-76.18 |
-1.30 |
40.95 |
-13.08 |
0.32 |
-0.33 |
3.44 |
-1.09 |
0.07 |
-0.06 |
Operating Cash Flow to Interest Expense |
|
2.85 |
1.88 |
3.09 |
-0.53 |
1.52 |
-0.45 |
-1.76 |
5.90 |
0.97 |
-0.94 |
-0.22 |
Operating Cash Flow Less CapEx to Interest Expense |
|
2.60 |
1.61 |
2.87 |
-0.73 |
1.37 |
-0.64 |
-2.02 |
5.38 |
0.76 |
-1.02 |
-0.29 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.06 |
0.05 |
0.03 |
0.06 |
0.07 |
0.04 |
0.04 |
0.03 |
0.03 |
0.03 |
0.03 |
Fixed Asset Turnover |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
3.00 |
2.85 |
2.75 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
-83,350 |
842,123 |
873,478 |
190,417 |
525,990 |
536,356 |
551,884 |
546,449 |
589,758 |
593,866 |
611,772 |
Invested Capital Turnover |
|
-0.82 |
0.20 |
0.08 |
0.14 |
0.20 |
0.14 |
0.14 |
0.13 |
0.13 |
0.13 |
0.13 |
Increase / (Decrease) in Invested Capital |
|
22,574 |
925,473 |
31,355 |
-683,061 |
335,573 |
10,366 |
15,528 |
-5,435 |
43,309 |
4,108 |
17,906 |
Enterprise Value (EV) |
|
69,399 |
60,658 |
49,385 |
-24,492 |
-7,500 |
61,256 |
-121,067 |
-118,747 |
-219,687 |
-106,355 |
2,641 |
Market Capitalization |
|
126,592 |
119,401 |
132,385 |
156,024 |
103,059 |
145,403 |
111,338 |
107,102 |
80,175 |
94,264 |
132,211 |
Book Value per Share |
|
$65.92 |
$68.86 |
$72.24 |
$0.00 |
$72.79 |
$80.28 |
$86.44 |
$92.21 |
$94.07 |
$98.15 |
$100.86 |
Tangible Book Value per Share |
|
$56.63 |
$60.11 |
$62.85 |
($8.42) |
$61.62 |
$67.93 |
$73.51 |
$79.21 |
$81.61 |
$85.34 |
$88.28 |
Total Capital |
|
545,291 |
499,168 |
520,174 |
0.00 |
525,990 |
536,356 |
551,884 |
546,449 |
589,758 |
593,866 |
611,772 |
Total Debt |
|
333,595 |
276,076 |
294,031 |
0.00 |
328,916 |
342,410 |
351,684 |
343,777 |
387,920 |
387,615 |
402,406 |
Total Long-Term Debt |
|
223,080 |
201,275 |
206,178 |
0.00 |
231,999 |
248,760 |
271,686 |
254,374 |
271,606 |
286,619 |
287,300 |
Net Debt |
|
-69,172 |
-76,696 |
-103,276 |
-180,516 |
-129,873 |
-102,831 |
-252,643 |
-245,544 |
-319,506 |
-219,017 |
-148,188 |
Capital Expenditures (CapEx) |
|
3,386 |
3,198 |
2,756 |
3,361 |
3,774 |
5,336 |
3,446 |
4,119 |
5,632 |
6,583 |
6,500 |
Net Nonoperating Expense (NNE) |
|
2.00 |
54 |
58 |
111 |
8.00 |
4.00 |
20 |
-7.00 |
231 |
1.00 |
2.00 |
Net Nonoperating Obligations (NNO) |
|
-295,046 |
619,031 |
647,335 |
190,417 |
328,916 |
342,410 |
351,684 |
343,777 |
387,920 |
387,615 |
402,406 |
Total Depreciation and Amortization (D&A) |
|
3,799 |
3,506 |
3,720 |
3,659 |
3,754 |
3,905 |
3,937 |
3,964 |
4,262 |
4,560 |
4,311 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$2.21 |
$5.41 |
$4.72 |
($2.98) |
$6.69 |
$8.08 |
$4.74 |
$10.21 |
$7.04 |
$4.07 |
$6.03 |
Adjusted Weighted Average Basic Shares Outstanding |
|
3.03B |
3.00B |
2.89B |
2.70B |
2.49B |
2.25B |
2.09B |
2.03B |
1.95B |
1.93B |
1.90B |
Adjusted Diluted Earnings per Share |
|
$2.20 |
$5.40 |
$4.72 |
($2.98) |
$6.68 |
$8.04 |
$4.72 |
$10.14 |
$7.00 |
$4.04 |
$5.94 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
3.04B |
3.01B |
2.89B |
2.70B |
2.49B |
2.27B |
2.10B |
2.05B |
1.96B |
1.96B |
1.94B |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$8.08 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
3.03B |
2.95B |
2.77B |
2.57B |
2.35B |
2.11B |
2.09B |
1.98B |
1.94B |
1.91B |
1.88B |
Normalized Net Operating Profit after Tax (NOPAT) |
|
7,504 |
17,386 |
15,033 |
15,933 |
18,088 |
19,497 |
11,107 |
22,018 |
15,567 |
10,184 |
13,355 |
Normalized NOPAT Margin |
|
9.72% |
22.77% |
21.23% |
21.99% |
24.78% |
25.97% |
14.71% |
30.63% |
20.53% |
12.98% |
16.46% |
Pre Tax Income Margin |
|
19.04% |
32.51% |
30.34% |
31.42% |
32.12% |
31.84% |
18.06% |
38.21% |
24.80% |
16.45% |
21.01% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
1.07 |
2.08 |
1.72 |
1.38 |
0.97 |
0.84 |
1.02 |
3.44 |
0.75 |
0.17 |
0.19 |
NOPAT to Interest Expense |
|
0.55 |
1.46 |
1.20 |
-0.40 |
0.75 |
0.69 |
0.83 |
2.76 |
0.59 |
0.12 |
0.14 |
EBIT Less CapEx to Interest Expense |
|
0.83 |
1.81 |
1.50 |
1.17 |
0.81 |
0.66 |
0.76 |
2.93 |
0.53 |
0.08 |
0.12 |
NOPAT Less CapEx to Interest Expense |
|
0.30 |
1.19 |
0.98 |
-0.60 |
0.59 |
0.50 |
0.57 |
2.24 |
0.37 |
0.04 |
0.07 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
8.44% |
7.23% |
15.27% |
-56.35% |
27.77% |
27.98% |
48.27% |
23.60% |
33.50% |
55.56% |
40.51% |
Augmented Payout Ratio |
|
24.86% |
38.69% |
77.31% |
-272.16% |
107.59% |
118.24% |
74.66% |
58.11% |
55.26% |
76.63% |
59.79% |
Quarterly Metrics And Ratios for Citigroup
This table displays calculated financial ratios and metrics derived from Citigroup's official financial filings.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
8.74% |
11.78% |
-1.03% |
8.81% |
-5.76% |
-1.60% |
3.62% |
0.87% |
12.28% |
2.76% |
8.17% |
EBITDA Growth |
|
-0.73% |
16.13% |
-26.50% |
8.61% |
-117.31% |
-22.48% |
4.50% |
-7.72% |
681.87% |
14.93% |
16.55% |
EBIT Growth |
|
-4.05% |
17.41% |
-32.31% |
8.97% |
-153.49% |
-26.51% |
6.63% |
-8.31% |
293.06% |
19.89% |
20.87% |
NOPAT Growth |
|
-20.23% |
7.56% |
-38.36% |
1.99% |
-158.05% |
-26.74% |
10.54% |
-8.68% |
296.32% |
20.54% |
23.60% |
Net Income Growth |
|
-20.29% |
7.59% |
-35.40% |
2.22% |
-171.35% |
-26.75% |
10.57% |
-8.75% |
259.85% |
20.55% |
23.60% |
EPS Growth |
|
-23.68% |
8.42% |
-39.27% |
0.00% |
-195.69% |
-27.85% |
14.29% |
-7.36% |
219.82% |
24.05% |
28.95% |
Operating Cash Flow Growth |
|
205.94% |
-229.67% |
-330.13% |
894.47% |
-136.42% |
64.47% |
68.63% |
-205.57% |
631.42% |
-442.04% |
-115.68% |
Free Cash Flow Firm Growth |
|
-573.33% |
-61.27% |
108.99% |
60.91% |
86.31% |
141.18% |
-272.59% |
-81.86% |
-169.10% |
-407.94% |
-1,437.21% |
Invested Capital Growth |
|
7.93% |
5.55% |
0.04% |
2.86% |
0.70% |
-1.29% |
1.34% |
4.52% |
3.02% |
6.45% |
12.73% |
Revenue Q/Q Growth |
|
-0.02% |
19.11% |
-9.38% |
3.62% |
-13.40% |
21.01% |
-4.57% |
0.87% |
-3.61% |
10.29% |
0.33% |
EBITDA Q/Q Growth |
|
-10.66% |
70.26% |
-29.01% |
14.50% |
-114.24% |
707.30% |
-4.30% |
1.11% |
-10.24% |
32.32% |
-3.09% |
EBIT Q/Q Growth |
|
-14.22% |
94.68% |
-34.63% |
18.46% |
-142.11% |
316.07% |
-5.15% |
1.86% |
-11.34% |
39.98% |
-4.55% |
NOPAT Q/Q Growth |
|
-27.85% |
83.44% |
-36.54% |
21.44% |
-141.06% |
331.51% |
-4.25% |
0.34% |
-11.73% |
42.15% |
-1.83% |
Net Income Q/Q Growth |
|
-27.79% |
83.54% |
-36.55% |
21.55% |
-150.40% |
288.44% |
-4.23% |
0.31% |
-11.70% |
42.11% |
-1.80% |
EPS Q/Q Growth |
|
-28.83% |
88.79% |
-39.27% |
22.56% |
-168.10% |
242.34% |
-3.80% |
-0.66% |
-11.92% |
47.37% |
0.00% |
Operating Cash Flow Q/Q Growth |
|
744.52% |
-337.92% |
-77.33% |
129.22% |
-129.54% |
-132.13% |
-56.59% |
1.69% |
248.71% |
-336.76% |
37.69% |
Free Cash Flow Firm Q/Q Growth |
|
-20.59% |
33.36% |
110.07% |
-583.11% |
57.78% |
300.53% |
-142.20% |
-409.06% |
37.53% |
-129.48% |
-110.65% |
Invested Capital Q/Q Growth |
|
0.40% |
2.69% |
-1.95% |
1.75% |
-1.71% |
0.67% |
0.66% |
4.94% |
-3.13% |
4.02% |
6.60% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
26.36% |
34.01% |
26.64% |
29.44% |
-4.84% |
26.79% |
26.87% |
26.93% |
25.08% |
30.09% |
29.06% |
EBIT Margin |
|
20.37% |
28.83% |
20.80% |
23.77% |
-11.56% |
21.53% |
21.40% |
21.61% |
19.88% |
25.23% |
24.00% |
Profit (Net Income) Margin |
|
13.69% |
21.69% |
15.18% |
17.81% |
-10.37% |
16.14% |
16.20% |
16.11% |
14.76% |
19.02% |
18.61% |
Tax Burden Percent |
|
79.79% |
75.22% |
73.01% |
74.92% |
85.97% |
74.98% |
75.71% |
74.56% |
76.01% |
75.39% |
77.28% |
Interest Burden Percent |
|
84.27% |
100.00% |
100.00% |
100.00% |
104.32% |
100.00% |
100.00% |
100.00% |
97.69% |
100.00% |
100.37% |
Effective Tax Rate |
|
20.15% |
24.76% |
26.97% |
25.13% |
0.00% |
25.00% |
24.29% |
25.42% |
23.99% |
24.60% |
22.72% |
Return on Invested Capital (ROIC) |
|
1.83% |
2.85% |
1.98% |
2.36% |
-1.12% |
2.10% |
2.14% |
2.06% |
1.99% |
2.52% |
2.42% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
1.83% |
2.85% |
1.98% |
2.36% |
-1.21% |
2.10% |
2.14% |
2.06% |
1.99% |
2.52% |
2.42% |
Return on Net Nonoperating Assets (RNNOA) |
|
3.31% |
5.41% |
3.77% |
4.51% |
-2.29% |
3.96% |
3.97% |
4.00% |
3.78% |
4.87% |
4.91% |
Return on Equity (ROE) |
|
5.14% |
8.26% |
5.75% |
6.87% |
-3.41% |
6.06% |
6.10% |
6.06% |
5.76% |
7.39% |
7.33% |
Cash Return on Invested Capital (CROIC) |
|
-4.95% |
-2.77% |
2.26% |
-0.52% |
0.89% |
2.65% |
0.08% |
-3.10% |
-0.84% |
-4.06% |
-9.74% |
Operating Return on Assets (OROA) |
|
0.66% |
0.92% |
0.67% |
0.79% |
-0.38% |
0.69% |
0.70% |
0.71% |
0.68% |
0.82% |
0.80% |
Return on Assets (ROA) |
|
0.44% |
0.69% |
0.49% |
0.59% |
-0.34% |
0.52% |
0.53% |
0.53% |
0.50% |
0.62% |
0.62% |
Return on Common Equity (ROCE) |
|
4.64% |
7.44% |
5.18% |
6.21% |
-3.09% |
5.49% |
5.52% |
5.52% |
5.25% |
6.73% |
6.70% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
7.33% |
6.54% |
6.55% |
0.00% |
3.94% |
4.06% |
3.89% |
0.00% |
6.37% |
6.71% |
Net Operating Profit after Tax (NOPAT) |
|
2,536 |
4,652 |
2,952 |
3,585 |
-1,472 |
3,408 |
3,263 |
3,274 |
2,890 |
4,108 |
4,033 |
NOPAT Margin |
|
13.70% |
21.69% |
15.19% |
17.80% |
-8.44% |
16.15% |
16.20% |
16.12% |
14.76% |
19.02% |
18.61% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.09% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
54.04% |
49.40% |
54.81% |
52.75% |
59.45% |
50.85% |
49.67% |
50.30% |
51.96% |
49.39% |
49.88% |
Operating Expenses to Revenue |
|
67.61% |
61.96% |
69.82% |
66.82% |
92.03% |
67.26% |
66.30% |
65.74% |
66.80% |
62.66% |
62.66% |
Earnings before Interest and Taxes (EBIT) |
|
3,769 |
6,183 |
4,042 |
4,788 |
-2,016 |
4,544 |
4,310 |
4,390 |
3,892 |
5,448 |
5,200 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
4,877 |
7,294 |
5,178 |
5,929 |
-844 |
5,654 |
5,411 |
5,471 |
4,911 |
6,498 |
6,297 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.44 |
0.46 |
0.45 |
0.40 |
0.50 |
0.63 |
0.63 |
0.61 |
0.69 |
0.68 |
0.80 |
Price to Tangible Book Value (P/TBV) |
|
0.51 |
0.52 |
0.52 |
0.46 |
0.58 |
0.72 |
0.72 |
0.70 |
0.79 |
0.78 |
0.92 |
Price to Revenue (P/Rev) |
|
1.06 |
1.10 |
1.10 |
0.95 |
1.20 |
1.52 |
1.52 |
1.50 |
1.63 |
1.62 |
1.89 |
Price to Earnings (P/E) |
|
5.40 |
5.65 |
6.30 |
5.55 |
10.22 |
14.87 |
14.45 |
14.82 |
10.43 |
9.92 |
11.14 |
Dividend Yield |
|
4.93% |
4.63% |
4.67% |
5.26% |
4.22% |
3.38% |
3.37% |
3.47% |
3.12% |
3.14% |
2.65% |
Earnings Yield |
|
18.52% |
17.70% |
15.88% |
18.01% |
9.79% |
6.73% |
6.92% |
6.75% |
9.59% |
10.08% |
8.98% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
0.15 |
0.21 |
0.21 |
0.00 |
0.26 |
0.31 |
0.39 |
0.00 |
0.25 |
0.43 |
Enterprise Value to Revenue (EV/Rev) |
|
0.00 |
1.19 |
1.65 |
1.62 |
0.00 |
2.03 |
2.37 |
3.11 |
0.03 |
1.96 |
3.49 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
3.85 |
5.74 |
5.64 |
0.00 |
10.00 |
11.62 |
15.76 |
0.12 |
7.19 |
12.53 |
Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
4.70 |
7.17 |
7.04 |
0.00 |
14.04 |
16.17 |
22.08 |
0.15 |
8.89 |
15.34 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
5.98 |
9.34 |
9.32 |
0.00 |
19.44 |
22.08 |
30.22 |
0.21 |
11.85 |
20.31 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
24.20 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
9.49 |
0.00 |
0.00 |
9.94 |
402.10 |
0.00 |
0.00 |
0.00 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.92 |
1.90 |
1.84 |
1.87 |
1.88 |
1.88 |
1.88 |
2.01 |
1.92 |
1.98 |
2.17 |
Long-Term Debt to Equity |
|
1.35 |
1.34 |
1.31 |
1.31 |
1.39 |
1.38 |
1.34 |
1.42 |
1.37 |
1.39 |
1.48 |
Financial Leverage |
|
1.81 |
1.90 |
1.90 |
1.91 |
1.90 |
1.89 |
1.86 |
1.94 |
1.90 |
1.93 |
2.02 |
Leverage Ratio |
|
11.64 |
11.90 |
11.75 |
11.60 |
11.83 |
11.74 |
11.54 |
11.42 |
11.46 |
11.90 |
11.88 |
Compound Leverage Factor |
|
9.81 |
11.90 |
11.75 |
11.60 |
12.34 |
11.74 |
11.54 |
11.42 |
11.20 |
11.90 |
11.92 |
Debt to Total Capital |
|
65.78% |
65.49% |
64.73% |
65.21% |
65.27% |
65.31% |
65.25% |
66.76% |
65.78% |
66.49% |
68.44% |
Short-Term Debt to Total Capital |
|
19.72% |
19.30% |
18.50% |
19.57% |
17.01% |
17.55% |
18.66% |
19.40% |
18.82% |
20.03% |
21.60% |
Long-Term Debt to Total Capital |
|
46.05% |
46.18% |
46.23% |
45.64% |
48.26% |
47.76% |
46.58% |
47.36% |
46.96% |
46.46% |
46.84% |
Preferred Equity to Total Capital |
|
3.22% |
3.34% |
3.41% |
3.23% |
2.96% |
2.94% |
3.01% |
2.59% |
2.92% |
2.88% |
2.41% |
Noncontrolling Interests to Total Capital |
|
0.11% |
0.12% |
0.12% |
0.11% |
0.13% |
0.14% |
0.14% |
0.13% |
0.13% |
0.13% |
0.13% |
Common Equity to Total Capital |
|
30.89% |
31.05% |
31.74% |
31.45% |
31.63% |
31.61% |
31.61% |
30.52% |
31.18% |
30.49% |
29.02% |
Debt to EBITDA |
|
16.39 |
16.47 |
17.30 |
17.37 |
22.08 |
24.66 |
24.44 |
27.02 |
18.76 |
18.98 |
20.02 |
Net Debt to EBITDA |
|
-13.50 |
-0.57 |
0.97 |
1.43 |
-12.47 |
1.33 |
2.97 |
7.08 |
-6.91 |
0.38 |
4.98 |
Long-Term Debt to EBITDA |
|
11.48 |
11.61 |
12.36 |
12.16 |
16.33 |
18.04 |
17.45 |
19.17 |
13.40 |
13.26 |
13.71 |
Debt to NOPAT |
|
25.58 |
25.60 |
28.15 |
28.71 |
41.31 |
47.97 |
46.47 |
51.81 |
31.35 |
31.26 |
32.46 |
Net Debt to NOPAT |
|
-21.07 |
-0.89 |
1.58 |
2.36 |
-23.34 |
2.58 |
5.65 |
13.57 |
-11.55 |
0.62 |
8.07 |
Long-Term Debt to NOPAT |
|
17.91 |
18.05 |
20.10 |
20.09 |
30.55 |
35.08 |
33.18 |
36.75 |
22.38 |
21.85 |
22.21 |
Noncontrolling Interest Sharing Ratio |
|
9.73% |
9.97% |
9.91% |
9.71% |
9.32% |
9.46% |
9.53% |
8.89% |
8.91% |
8.94% |
8.55% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-40,773 |
-27,171 |
2,736 |
-13,218 |
-5,580 |
11,190 |
-4,722 |
-24,038 |
-15,016 |
-34,459 |
-72,587 |
Operating Cash Flow to CapEx |
|
652.06% |
-1,865.67% |
-3,625.69% |
932.90% |
-264.36% |
-673.99% |
-1,031.63% |
-1,068.16% |
1,468.96% |
-3,870.01% |
-2,084.27% |
Free Cash Flow to Firm to Interest Expense |
|
-3.28 |
-1.69 |
0.15 |
-0.63 |
-0.25 |
0.49 |
-0.21 |
-1.04 |
-0.70 |
-1.75 |
-3.51 |
Operating Cash Flow to Interest Expense |
|
1.03 |
-1.90 |
-2.88 |
0.75 |
-0.21 |
-0.48 |
-0.75 |
-0.72 |
1.16 |
-2.99 |
-1.77 |
Operating Cash Flow Less CapEx to Interest Expense |
|
0.87 |
-2.00 |
-2.96 |
0.67 |
-0.29 |
-0.55 |
-0.83 |
-0.79 |
1.08 |
-3.06 |
-1.85 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
0.03 |
Fixed Asset Turnover |
|
3.00 |
0.00 |
0.00 |
0.00 |
2.85 |
2.77 |
2.76 |
2.72 |
2.75 |
2.72 |
2.70 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
589,758 |
605,598 |
593,795 |
604,197 |
593,866 |
597,816 |
601,780 |
631,509 |
611,772 |
636,383 |
678,400 |
Invested Capital Turnover |
|
0.13 |
0.13 |
0.13 |
0.13 |
0.13 |
0.13 |
0.13 |
0.13 |
0.13 |
0.13 |
0.13 |
Increase / (Decrease) in Invested Capital |
|
43,309 |
31,823 |
216 |
16,803 |
4,108 |
-7,782 |
7,985 |
27,312 |
17,906 |
38,567 |
76,620 |
Enterprise Value (EV) |
|
-219,687 |
92,696 |
127,528 |
127,964 |
-106,355 |
158,241 |
186,576 |
245,960 |
2,641 |
160,365 |
290,588 |
Market Capitalization |
|
80,175 |
85,570 |
85,073 |
75,382 |
94,264 |
118,848 |
119,893 |
118,378 |
132,211 |
132,718 |
157,943 |
Book Value per Share |
|
$94.07 |
$96.75 |
$96.81 |
$98.67 |
$98.15 |
$98.92 |
$99.72 |
$101.02 |
$100.86 |
$102.98 |
$105.41 |
Tangible Book Value per Share |
|
$81.61 |
$84.14 |
$84.19 |
$86.01 |
$85.34 |
$86.16 |
$87.17 |
$88.54 |
$88.28 |
$90.32 |
$92.40 |
Total Capital |
|
589,758 |
605,598 |
593,795 |
604,197 |
593,866 |
597,816 |
601,780 |
631,509 |
611,772 |
636,383 |
678,400 |
Total Debt |
|
387,920 |
396,579 |
384,373 |
394,002 |
387,615 |
390,418 |
392,636 |
421,607 |
402,406 |
423,125 |
464,270 |
Total Long-Term Debt |
|
271,606 |
279,684 |
274,510 |
275,760 |
286,619 |
285,495 |
280,321 |
299,081 |
287,300 |
295,684 |
317,761 |
Net Debt |
|
-319,506 |
-13,843 |
21,507 |
32,395 |
-219,017 |
20,980 |
47,749 |
110,413 |
-148,188 |
8,447 |
115,387 |
Capital Expenditures (CapEx) |
|
1,965 |
1,634 |
1,491 |
1,693 |
1,765 |
1,607 |
1,644 |
1,561 |
1,688 |
1,517 |
1,755 |
Net Nonoperating Expense (NNE) |
|
2.00 |
1.00 |
1.00 |
-2.00 |
336 |
1.00 |
0.00 |
1.00 |
0.00 |
1.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
387,920 |
396,579 |
384,373 |
394,002 |
387,615 |
390,418 |
392,636 |
421,607 |
402,406 |
423,125 |
464,270 |
Total Depreciation and Amortization (D&A) |
|
1,108 |
1,111 |
1,136 |
1,141 |
1,172 |
1,110 |
1,101 |
1,081 |
1,019 |
1,050 |
1,097 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$1.17 |
$2.21 |
$1.34 |
$1.64 |
($1.12) |
$1.59 |
$1.54 |
$1.53 |
$1.37 |
$2.00 |
$1.98 |
Adjusted Weighted Average Basic Shares Outstanding |
|
1.95B |
1.94B |
1.94B |
1.92B |
1.93B |
1.91B |
1.91B |
1.90B |
1.90B |
1.88B |
1.86B |
Adjusted Diluted Earnings per Share |
|
$1.16 |
$2.19 |
$1.33 |
$1.63 |
($1.11) |
$1.58 |
$1.52 |
$1.51 |
$1.33 |
$1.96 |
$1.96 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
1.96B |
1.96B |
1.97B |
1.95B |
1.96B |
1.94B |
1.95B |
1.94B |
1.94B |
1.92B |
1.89B |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
1.94B |
1.95B |
1.93B |
1.91B |
1.91B |
1.91B |
1.91B |
1.89B |
1.88B |
1.87B |
1.84B |
Normalized Net Operating Profit after Tax (NOPAT) |
|
2,536 |
4,652 |
2,952 |
3,585 |
-925 |
3,577 |
3,290 |
3,281 |
2,882 |
4,106 |
4,031 |
Normalized NOPAT Margin |
|
13.70% |
21.69% |
15.19% |
17.80% |
-5.31% |
16.95% |
16.34% |
16.15% |
14.72% |
19.01% |
18.61% |
Pre Tax Income Margin |
|
17.16% |
28.83% |
20.80% |
23.77% |
-12.06% |
21.53% |
21.40% |
21.61% |
19.42% |
25.23% |
24.09% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
0.30 |
0.39 |
0.22 |
0.23 |
-0.09 |
0.20 |
0.19 |
0.19 |
0.18 |
0.28 |
0.25 |
NOPAT to Interest Expense |
|
0.20 |
0.29 |
0.16 |
0.17 |
-0.07 |
0.15 |
0.15 |
0.14 |
0.14 |
0.21 |
0.20 |
EBIT Less CapEx to Interest Expense |
|
0.15 |
0.28 |
0.14 |
0.15 |
-0.17 |
0.13 |
0.12 |
0.12 |
0.10 |
0.20 |
0.17 |
NOPAT Less CapEx to Interest Expense |
|
0.05 |
0.19 |
0.08 |
0.09 |
-0.14 |
0.08 |
0.07 |
0.07 |
0.06 |
0.13 |
0.11 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
33.50% |
32.66% |
36.91% |
37.35% |
55.56% |
64.35% |
61.64% |
63.90% |
40.51% |
38.65% |
37.10% |
Augmented Payout Ratio |
|
55.26% |
35.39% |
44.60% |
47.76% |
76.63% |
93.72% |
79.41% |
89.15% |
59.79% |
66.82% |
76.96% |
Key Financial Trends
Citigroup Inc. (NYSE:C) has shown a generally stable financial performance over the last four years, with some fluctuations in operating cash flows and profitability metrics. Here’s the key summary and trends observed in its financial statements from Q3 2022 through Q2 2025:
- Consistent Net Income Growth: Consolidated net income increased from approximately $2.53 billion in Q4 2022 to $4.02 billion in Q2 2025, showing steady improvement in profitability.
- Growing Net Interest Income: Net interest income rose from roughly $13.27 billion in Q4 2022 to $15.18 billion in Q2 2025, supported by higher interest income partially offset by rising interest expenses.
- Stable Revenue Streams: Total revenue increased steadily from $18.5 billion in Q4 2022 to over $21.7 billion during the earlier 2025 quarters, reflecting solid core banking operations.
- Strong Balance Sheet Size: Total assets grew from about $2.42 trillion in late 2022 to $2.62 trillion by Q2 2025, indicating expansion in Citigroup’s asset base.
- Improved Equity Base: Total equity increased from roughly $201 billion at the end of 2022 to $214 billion by Q2 2025, strengthening the company's capital position.
- Equity Buybacks and Dividends: The company consistently repurchases common equity and pays dividends, demonstrating shareholder return focus despite growing capital needs.
- Volatile Operating Cash Flows: Net cash from operating activities showed volatility, with large negative cash flows in Q1 and Q2 2025 (-$58.7B and -$36.6B respectively), partially offset by positive investing and financing cash flows.
- Significant Deposits Growth: Non-interest bearing deposits and total deposits have grown steadily, enhancing Citigroup’s funding base, but requiring careful management of interest expense.
- Increase in Provision for Credit Losses: Provisions rose from approximately $2.22 billion in Q4 2022 to nearly $2.9 billion in Q2 2025, indicating increasing credit risk considerations that could pressure earnings.
- Rising Interest Expense: Total interest expense increased from $12.4 billion in Q4 2022 to $20.7 billion by Q2 2025, which squeezes net interest margin despite top-line growth.
Additional Notes:
- Depreciation and non-cash adjustments remain sizeable, reflecting ongoing asset investments and accounting reconciliations.
- Investment securities activity shows aggressive purchase and sale volumes, highlighting active portfolio management.
- Exchange rate effects have fluctuated, impacting cash flow and equity values mildly over various quarters.
Investment Considerations: Citigroup is demonstrating growth in income and balance sheet size with ongoing shareholder returns. However, investors should watch credit loss provisions and rising interest expense, which could affect future profitability. The company’s ability to manage operating cash flow volatility and sustain deposit growth will be critical for ongoing financial health.
08/24/25 01:05 AMAI Generated. May Contain Errors.