Last 47 quarters of trend data · Financial Services · Banks - Diversified
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 20.14 | 9.27 | 24.51 | 13.64 | 10.86 | 9.05 | 13.13 | 10.36 | 10.44 | 10.01 | — | 6.31 | 8.65 | 5.35 | 9.75 | 6.39 | 5.25 | 6.61 | 10.34 | 8.16 | 6.23 |
| — | +2.3% | +86.7% | +31.6% | +4.0% | -9.5% | — | +64.3% | +20.6% | +86.9% | — | -1.3% | +64.8% | -19.0% | -5.7% | -21.7% | -15.7% | +31.5% | +39.5% | +3.0% | -81.5% | |
| P/S Ratio | 1.43 | 1.14 | 1.33 | 1.08 | 0.95 | 0.83 | 0.83 | 0.70 | 0.72 | 0.70 | 0.59 | 0.49 | 0.59 | 0.63 | 0.73 | 0.81 | 0.97 | 1.24 | 1.65 | 1.83 | 1.86 |
| — | +38.2% | +60.1% | +53.9% | +31.4% | +18.5% | +40.0% | +42.2% | +22.0% | +10.4% | -18.3% | -39.0% | -38.8% | -48.9% | -55.9% | -55.9% | -47.9% | -29.6% | -2.7% | +63.4% | +62.2% | |
| P/B Ratio | 1.23 | 0.95 | 1.02 | 0.88 | 0.75 | 0.64 | 0.65 | 0.58 | 0.59 | 0.59 | 0.48 | 0.38 | 0.43 | 0.44 | 0.44 | 0.41 | 0.45 | 0.54 | 0.60 | 0.71 | 0.72 |
| — | +48.3% | +56.6% | +52.8% | +27.5% | +8.7% | +36.3% | +51.5% | +36.4% | +33.4% | +8.7% | -6.7% | -4.1% | -17.7% | -26.5% | -42.0% | -37.6% | -28.7% | -7.6% | +52.0% | +30.5% | |
| P/FCF | — | — | 2.18 | — | — | — | 1.47 | — | — | — | — | 1.42 | — | — | 0.81 | — | 1.01 | — | 39.97 | 1.03 | — |
| — | — | +48.3% | — | — | — | — | — | — | — | — | — | — | — | -98.0% | — | — | — | -39.7% | — | — | |
| EV / EBITDA | 26.31 | 26.85 | 29.69 | 21.68 | 21.57 | 22.19 | 23.33 | 19.98 | 23.17 | 20.60 | — | 16.95 | 17.80 | 11.68 | 15.62 | 13.09 | 10.72 | 12.84 | 16.84 | 11.44 | 10.96 |
| — | +21.0% | +27.2% | +8.5% | -6.9% | +7.7% | — | +17.9% | +30.2% | +76.4% | — | +29.5% | +66.1% | -9.1% | -7.3% | +14.4% | -2.3% | +72.6% | +27.2% | -19.8% | -73.2% | |
| EV / EBIT | 30.64 | 30.83 | 38.28 | 26.23 | 26.10 | 26.46 | 29.59 | 24.90 | 29.09 | 25.64 | — | 20.99 | 22.80 | 13.78 | 21.06 | 16.26 | 12.64 | 15.32 | 21.04 | 13.46 | 12.43 |
| — | +16.5% | +29.4% | +5.3% | -10.3% | +3.2% | — | +18.6% | +27.6% | +86.1% | — | +29.1% | +80.4% | -10.1% | +0.1% | +20.8% | +1.7% | +88.3% | +31.3% | -25.2% | -83.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 44.6% | 49.3% | 43.2% | 44.8% | 44.4% | 45.8% | 41.6% | 40.7% | 41.5% | 42.7% | 37.0% | 44.0% | 46.2% | 50.6% | 53.2% | 65.6% | 78.9% | 86.0% | 96.8% | 91.0% | 95.4% |
| — | +7.7% | +3.9% | +9.9% | +7.0% | +7.2% | +12.4% | -7.3% | -10.2% | -15.5% | -30.4% | -32.9% | -41.5% | -41.2% | -45.1% | -27.9% | -17.3% | -14.3% | +13.9% | +22.3% | +91.5% | |
| Operating Margin | 11.8% | 17.0% | 9.3% | 12.2% | 12.3% | 13.2% | 9.3% | 10.1% | 10.1% | 10.4% | -5.1% | 11.8% | 10.6% | 17.0% | 10.4% | 17.4% | 25.7% | 24.5% | 21.5% | 30.2% | 37.2% |
| — | +29.0% | +0.3% | +20.5% | +21.9% | +27.1% | +283.0% | -13.8% | -4.5% | -38.7% | -148.7% | -32.5% | -58.8% | -30.9% | -51.6% | -42.3% | -31.0% | -48.4% | -17.8% | +53.8% | +680.4% | |
| Net Margin | 8.5% | 13.1% | 6.0% | 8.6% | 9.5% | 9.9% | 7.0% | 7.5% | 7.5% | 7.7% | -4.4% | 8.7% | 7.6% | 12.6% | 8.3% | 13.8% | 19.6% | 20.1% | 17.3% | 23.9% | 31.4% |
| — | +33.0% | -14.7% | +14.6% | +25.8% | +27.8% | +257.2% | -14.2% | -1.2% | -39.0% | -153.8% | -36.9% | -61.0% | -37.0% | -52.3% | -42.4% | -37.6% | -45.2% | -17.0% | +53.1% | +590.8% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.7% | 2.7% | 1.1% | 1.8% | 1.9% | 1.9% | 1.4% | 1.5% | 1.5% | 1.6% | -0.9% | 1.7% | 1.4% | 2.2% | 1.3% | 1.7% | 2.3% | 2.1% | 1.6% | 2.3% | 3.0% |
| — | +41.1% | -16.5% | +13.4% | +21.8% | +18.0% | +254.3% | -8.6% | +10.9% | -27.3% | -170.5% | -3.1% | -39.0% | +4.4% | -20.1% | -24.0% | -25.1% | -45.5% | -22.1% | +41.2% | +456.3% | |
| ROA | 0.6% | 0.2% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | -0.1% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.2% | 0.3% |
| — | +29.0% | -23.1% | +6.4% | +16.3% | +18.6% | +255.3% | -9.5% | +11.3% | -26.4% | -173.4% | +1.3% | -37.2% | +2.9% | -23.2% | -26.2% | -28.6% | -47.1% | -23.0% | +40.6% | +462.9% | |
| ROIC | 1.7% | 0.6% | 0.3% | 0.4% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | -0.2% | 0.5% | 0.4% | 0.6% | 0.3% | 0.5% | 0.6% | 0.6% | 0.4% | 0.6% | 0.8% |
| — | +28.5% | -12.4% | +8.4% | +5.8% | +11.1% | +277.0% | -13.4% | +1.1% | -32.0% | -159.2% | -2.9% | -40.4% | +6.0% | -22.5% | -23.9% | -15.9% | -47.1% | -18.8% | +50.4% | +577.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.35 | 3.52 | 3.35 | 3.37 | 3.37 | 3.51 | 2.82 | 2.95 | 2.98 | 2.97 | 2.92 | 2.74 | 2.75 | 2.76 | 2.58 | 2.53 | 2.48 | 2.46 | 2.34 | 2.47 | 2.55 |
| — | +0.4% | +18.7% | +14.2% | +12.9% | +18.1% | -3.4% | +7.6% | +8.7% | +7.6% | +13.1% | +8.2% | +10.5% | +12.2% | +10.5% | +2.6% | -2.7% | -1.4% | -6.6% | -7.4% | -8.4% | |
| Debt / EBITDA | 30.99 | 86.79 | 145.67 | 111.27 | 114.19 | 115.23 | 122.50 | 113.11 | 115.36 | 109.09 | — | 97.10 | 111.04 | 79.18 | 121.65 | 92.30 | 70.40 | 77.79 | 95.97 | 72.08 | 62.17 |
| — | -24.7% | +18.9% | -1.6% | -1.0% | +5.6% | — | +16.5% | +3.9% | +37.8% | — | +5.2% | +57.7% | +1.8% | +26.8% | +28.1% | +13.2% | +72.7% | +15.9% | -30.6% | -76.4% | |
| Current Ratio | 0.48 | 0.05 | 0.48 | 0.37 | 0.31 | 0.29 | 0.31 | 0.32 | 0.30 | 0.31 | 0.30 | 0.30 | 0.31 | 0.33 | 0.34 | 0.33 | 0.32 | 0.34 | 0.34 | 0.37 | 0.37 |
| — | -81.8% | +57.1% | +13.7% | +3.1% | -6.7% | +1.0% | +7.0% | -3.8% | -3.4% | -11.2% | -8.0% | -3.4% | -3.2% | +1.1% | -10.6% | -11.1% | -11.8% | -14.4% | -12.1% | -11.2% | |
| Quick Ratio | 0.48 | 0.05 | 0.48 | 0.37 | 0.31 | 0.29 | 0.31 | 0.32 | 0.30 | 0.31 | 0.30 | 0.30 | 0.31 | 0.33 | 0.34 | 0.33 | 0.32 | 0.34 | 0.34 | 0.37 | 0.37 |
| — | -81.8% | +57.1% | +13.7% | +3.1% | -6.7% | +1.0% | +7.0% | -3.8% | -3.4% | -11.2% | -8.0% | -3.4% | -3.2% | +1.1% | -10.6% | -11.1% | -11.8% | -14.4% | -12.1% | -11.2% | |
| Interest Coverage | 0.24 | 0.38 | 0.18 | 0.25 | 0.25 | 0.28 | 0.18 | 0.19 | 0.19 | 0.20 | -0.09 | 0.23 | 0.22 | 0.39 | 0.26 | 0.60 | 1.63 | 2.31 | 3.60 | 2.99 | 3.70 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Wall Street verdict, signals, and target summaries.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying C stock.
Citigroup Inc.'s current P/E is 20.1x. The average P/E over the last 4 quarters is 14.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citigroup Inc.'s current operating margin is 11.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Citigroup Inc.'s business trajectory between earnings reports.