InsiderClue
Stocks · Financials · National Commercial Banks

Citigroup

C Clue Score36
United States Fiscal year ends December CIK 0000831001
$129.64 +1.22% Close, 9 Oct 2026
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Price $129.64 +80.86% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue70.80Net income14.91EPS, diluted4.72Fiscal year 2017Revenue72.44 +2.3%Net income−6.80 −145.6%EPS, diluted−2.98 −163.1%Fiscal year 2018Revenue72.85 +0.6%Net income18.05EPS, diluted6.68Fiscal year 2019Revenue75.07 +3.0%Net income19.40 +7.5%EPS, diluted8.04 +20.4%Fiscal year 2020Revenue75.50 +0.6%Net income11.05 −43.1%EPS, diluted4.72 −41.3%Fiscal year 2021Revenue71.88 −4.8%Net income21.95 +98.7%EPS, diluted10.14 +114.8%Fiscal year 2022Revenue75.34 +4.8%Net income14.85 −32.4%EPS, diluted7.00 −31.0%Fiscal year 2023Revenue78.07 +3.6%Net income9.23 −37.8%EPS, diluted4.04 −42.3%Fiscal year 2024Revenue80.72 +3.4%Net income12.68 +37.4%EPS, diluted5.94 +47.0%Fiscal year 2025Revenue85.23 +5.6%Net income14.31 +12.8%EPS, diluted6.99 +17.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 70.80 72.44 72.85 75.07 75.50 71.88 75.34 78.07 80.72 85.23
Growth +2.3% +0.6% +3.0% +0.6% −4.8% +4.8% +3.6% +3.4% +5.6%
Net income 14.91 −6.80 18.05 19.40 11.05 21.95 14.85 9.23 12.68 14.31
Growth −145.6% +7.5% −43.1% +98.7% −32.4% −37.8% +37.4% +12.8%
EPS, diluted 4.72 −2.98 6.68 8.04 4.72 10.14 7.00 4.04 5.94 6.99
Growth −163.1% +20.4% −41.3% +114.8% −31.0% −42.3% +47.0% +17.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin21.1%Free cash flow margin72.0%Fiscal year 2017Net margin−9.4%Free cash flow margin−16.8%Fiscal year 2018Net margin24.8%Free cash flow margin45.5%Fiscal year 2019Net margin25.8%Free cash flow margin−24.2%Fiscal year 2020Net margin14.6%Free cash flow margin−35.7%Fiscal year 2021Net margin30.5%Free cash flow margin59.8%Fiscal year 2022Net margin19.7%Free cash flow margin25.8%Fiscal year 2023Net margin11.8%Free cash flow margin−102.5%Fiscal year 2024Net margin15.7%Free cash flow margin−32.4%Fiscal year 2025Net margin16.8%Free cash flow margin−87.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 21.1% −9.4% 24.8% 25.8% 14.6% 30.5% 19.7% 11.8% 15.7% 16.8%
Free cash flow margin 72.0% −16.8% 45.5% −24.2% −35.7% 59.8% 25.8% −102.5% −32.4% −87.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow53.73Capital expenditure−2.76Free cash flow50.98Buybacks−9.29Dividends paid−2.29Fiscal year 2017Operating cash flow−8.77Capital expenditure−3.36Free cash flow−12.14 −123.8%Buybacks−14.54Dividends paid−3.80Fiscal year 2018Operating cash flow36.95Capital expenditure−3.77Free cash flow33.18Buybacks−14.43Dividends paid−5.02Fiscal year 2019Operating cash flow−12.84Capital expenditure−5.34Free cash flow−18.17 −154.8%Buybacks−17.57Dividends paid−5.45Fiscal year 2020Operating cash flow−23.49Capital expenditure−3.45Free cash flow−26.93Buybacks−2.93Dividends paid−5.35Fiscal year 2021Operating cash flow47.09Capital expenditure−4.12Free cash flow42.97Buybacks−7.60Dividends paid−5.20Fiscal year 2022Operating cash flow25.07Capital expenditure−5.63Free cash flow19.44 −54.8%Buybacks−3.25Dividends paid−5.00Fiscal year 2023Operating cash flow−73.42Capital expenditure−6.58Free cash flow−80.00 −511.6%Buybacks−1.98Dividends paid−5.21Fiscal year 2024Operating cash flow−19.67Capital expenditure−6.50Free cash flow−26.17Buybacks−2.47Dividends paid−5.20Fiscal year 2025Operating cash flow−67.63Capital expenditure−6.52Free cash flow−74.15Buybacks−13.25Dividends paid−5.37
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 53.73 −8.77 36.95 −12.84 −23.49 47.09 25.07 −73.42 −19.67 −67.63
Capital expenditure −2.76 −3.36 −3.77 −5.34 −3.45 −4.12 −5.63 −6.58 −6.50 −6.52
Free cash flow 50.98 −12.14 33.18 −18.17 −26.93 42.97 19.44 −80.00 −26.17 −74.15
Growth −123.8% −154.8% −54.8% −511.6%
Buybacks −9.29 −14.54 −14.43 −17.57 −2.93 −7.60 −3.25 −1.98 −2.47 −13.25
Dividends paid −2.29 −3.80 −5.02 −5.45 −5.35 −5.20 −5.00 −5.21 −5.20 −5.37

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash160.49Total debt206.18Net cash (debt)−45.68Shareholders’ equity225.12Debt to equity0.92Fiscal year 2017Cash180.52Total debt236.71Net cash (debt)−56.19Shareholders’ equity200.74Debt to equity1.18Fiscal year 2018Cash188.11Total debt232.00Net cash (debt)−43.89Shareholders’ equity196.22Debt to equity1.18Fiscal year 2019Cash193.92Total debt248.76Net cash (debt)−54.84Shareholders’ equity193.24Debt to equity1.29Fiscal year 2020Cash309.62Total debt271.69Net cash (debt)37.93Shareholders’ equity199.44Debt to equity1.36Fiscal year 2021Cash262.03Total debt254.37Net cash (debt)7.66Shareholders’ equity201.97Debt to equity1.26Fiscal year 2022Cash342.03Total debt271.61Net cash (debt)70.42Shareholders’ equity201.19Debt to equity1.35Fiscal year 2023Cash260.93Total debt286.62Net cash (debt)−25.69Shareholders’ equity205.45Debt to equity1.40Fiscal year 2024Cash276.53Total debt287.30Net cash (debt)−10.77Shareholders’ equity208.60Debt to equity1.38Fiscal year 2025Cash349.58Total debt315.83Net cash (debt)33.75Shareholders’ equity212.29Debt to equity1.49
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 160.49 180.52 188.11 193.92 309.62 262.03 342.03 260.93 276.53 349.58
Total debt 206.18 236.71 232.00 248.76 271.69 254.37 271.61 286.62 287.30 315.83
Net cash (debt) −45.68 −56.19 −43.89 −54.84 37.93 7.66 70.42 −25.69 −10.77 33.75
Shareholders’ equity 225.12 200.74 196.22 193.24 199.44 201.97 201.19 205.45 208.60 212.29
Debt to equity 0.92 1.18 1.18 1.29 1.36 1.26 1.35 1.40 1.38 1.49

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
30.3% 31.4% 32.2% 31.8% 18.1% 38.2% 25.0% 16.5% 21.1% 23.3%
21.1% −9.4% 24.8% 25.8% 14.6% 30.5% 19.7% 11.8% 15.7% 16.8%
72.0% −16.8% 45.5% −24.2% −35.7% 59.8% 25.8% −102.5% −32.4% −87.0%
Spending
3.9% 4.6% 5.2% 7.1% 4.6% 5.7% 7.5% 8.4% 8.1% 7.7%
30.0% 129.1% 22.8% 18.5% 18.5% 19.8% 19.4% 27.3% 24.7% 27.1%
Returns
6.6% −3.4% 9.2% 10.0% 5.5% 10.9% 7.4% 4.5% 6.1% 6.7%
0.8% −0.4% 0.9% 1.0% 0.5% 1.0% 0.6% 0.4% 0.5% 0.5%
Balance and payout
0.92 1.18 1.18 1.29 1.36 1.26 1.35 1.40 1.38 1.49
87.4% 89.1% 89.7% 90.1% 91.1% 91.2% 91.6% 91.4% 91.1% 92.0%
15.3% n/a 27.8% 28.1% 48.4% 23.7% 33.7% 56.5% 41.0% 37.6%
22.7% n/a 58.6% n/a n/a 29.8% 42.5% n/a n/a n/a