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Citigroup Inc.(C)Earnings, Financials & Key Ratios
C•NYSE•Banking & Credit
$140.75
20.1× P/E·Price updated Jul 7, 2026
AboutCitigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, and Africa. The company operates in two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, Citi-branded cards, and Citi retail services. It also provides various banking, credit card, lending, and investment services through a network of local branches, offices, and electronic delivery systems. The ICG segment offers wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative, equity and fixed income research, corporate lending, investment banking and advisory, private banking, cash management, trade finance, and securities services to corporate, institutional, public sector, and high-net-worth clients. As of December 31, 2020, it operated 2,303 branches primarily in the United States, Mexico, and Asia. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.Show more
- Net Interest Income$59.79B+10.5%
- Total Revenue$168.3B-1.4%
- Net Income$14.27B+12.5%
- Return on Equity6.74%+10.5%
- Net Interest Margin2.25%-2.1%
- Efficiency Ratio32.77%+3.5%
- ROA0.57%+7.0%
- Equity / Assets8.05%-9.6%
- Book Value per Share114.80+4.3%
C Price & Volume
Citigroup Inc. (C) stock price & volume — 10-year historical chart
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Strategic Transformation Efforts Drive Revenue Growth Momentum
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regulatory transformation execution risk
Key Thesis Takeaways
- Citigroup is currently navigating a complex multi-year infrastructure transformation that, while pressuring the efficiency ratio to 32.3%, is successfully driving a 12.3% growth in net interest income as of 2026Q1.
- The firm's aggressive capital return strategy, evidenced by $7.5 billion in shareholder distributions during the most recent quarter, suggests management confidence despite persistent regulatory compliance costs.
- Investors should monitor the bank's ability to balance this capital intensity with the need to improve profitability, as current ROE remains constrained at 2.7%.
Verdict Logic
while the 12.3% growth in net interest income is promising, the current 20.27 P/E ratio and 2.7% ROE suggest that the market has already priced in significant progress on the bank's complex regulatory transformation.
C Growth Metrics
Citigroup Inc. (C) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.67%
5 Years13.63%
3 Years18.86%
TTM-
Profit CAGR
10 Years-1.88%
5 Years5.25%
3 Years-1.31%
TTM19.54%
EPS CAGR
10 Years2.58%
5 Years8.12%
3 Years-0.05%
TTM27.49%
Return on Capital
10 Years3.75%
5 Years3.25%
3 Years2.55%
Last Year2.34%
C Recent Earnings
Citigroup Inc. (C) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 14, 2026Metric
Actual
Est
EPS
$3.06+15.5%
$2.65
Rev
$24.6B+4.4%
$23.6B
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$1.19-33.9%
$1.80
Rev
$19.9B-5.1%
$20.9B
Q1 2026
Jan 14, 2026Metric
Actual
Est
EPS
$1.81+9.7%
$1.65
Rev
$19.9B-5.1%
$20.9B
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$1.86+7.5%
$1.73
Rev
$22.1B+4.8%
$21.1B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 14, 2026 | $3.06vs $2.65+15.5% | $24.6Bvs $23.6B+4.4% |
| Q1 2026 | Jan 21, 2026 | $1.19vs $1.80-33.9% | $19.9Bvs $20.9B-5.1% |
| Q1 2026 | Jan 14, 2026 | $1.81vs $1.65+9.7% | $19.9Bvs $20.9B-5.1% |
| Q4 2025 | Nov 6, 2025 | $1.86vs $1.73+7.5% | $22.1Bvs $21.1B+4.8% |
Based on last 12 quarters of dataView full earnings history →
Latest C News
Recent stock market news and headlines for Citigroup Inc. (C)
Zacks Investment Research·19h ago
Citigroup Wins LPMCL Membership, Expands Metal Clearing ServicesC joins LPMCL as a clearing member, expanding precious metal settlement services and strengthening its position in the London bullion market.
Zacks Investment Research·19h ago
Dow Trades at All-Time Highs in Pre-MarketThe blue-chip index is racing ahead another +170 points in pre-market trading so far today, adding to its all-time closing high Monday.
Barrons·22h ago
Fiserv Stock Jumps on Report Big U.S. Banks Explore Buying Its Debit Card NetworkThe financial-technology stock was the biggest riser in the S&P 500 ahead of the open, despite broader tech weakness.
Fool - Investing News·1 day ago
Vanguard's VFH or First Trust's FTXO: Which Financial Sector ETF Belongs in Your Portfolio?Broad diversification and lower costs favor Vanguard, but First Trust's concentrated banking bet delivered 24% returns over the past year.
Peers Comparison
Key metrics vs top competitors for Citigroup Inc. (C)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $140.75 | $241.37B | 20.14 | -1.41% | 8.48% | 6.74% | 2.05% | |
| $339.22 | $908.94B | 16.92 | 3.31% | 20.66% | 16.32% | — | |
| $59.86 | $424.8B | 15.67 | -0.45% | 18.13% | 10.5% | — | |
| $87.21 | $266.88B | 13.80 | -1.49% | 17.29% | 11.92% | — | |
| $1042.98 | $321.24B | 20.32 | -1.38% | 16.31% | 14.31% | — | |
| $222.04 | $350.22B | 21.77 | 11.48% | 15.13% | 16.22% | — |
Compare C vs Peers
Citigroup Inc. (C) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
C SEC Filings & Documents
Citigroup Inc. (C) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
1Material company update
Apr 14, 2026·SEC
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C Frequently Asked Questions
Citigroup Inc. (C) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Citigroup Inc. growing?
Citigroup Inc. (C) saw revenue decline by 1.4% over the past year.
Is C profitable?
Yes, Citigroup Inc. (C) is profitable, generating $15.99B in net income for fiscal year 2025 (8.5% net margin).
Dividend & Returns
Does C pay dividends?
Yes, Citigroup Inc. (C) pays a dividend with a yield of 2.05%. This makes it attractive for income-focused investors.
What is C's return on equity?
Citigroup Inc. (C) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is Citigroup Inc.'s net interest margin?
Citigroup Inc. (C) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.
What is Citigroup Inc.'s efficiency ratio?
Citigroup Inc. (C) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.