Citigroup (C): financials, SEC filings and peers
Citigroup (C) is a diversified banks company in the Financials sector of the S&P 500, headquartered in New York City, New York.
It was founded in 1998 and joined the S&P 500 on May 31, 1988.
Its fiscal year ends in December, and its shares trade on the NYSE.
In its SEC filings it is classified as “National Commercial Banks”.
Citigroup at a glance
- Revenue (12 months)
- $85.2B
- Revenue growth
- +5.6%
- Operating margin
- 23.3%
- Net income (12 months)
- $14.3B
- Free cash flow (12 months)
- −$74.2B
- Cash
- $349.6B
- Debt
- $367.7B
- Diluted EPS (12 months)
- $6.99
Twelve months to December 31, 2025, from the 10-K filed February 20, 2026.
Latest twelve months
Over the twelve months to December 31, 2025, Citigroup reported revenue of $85.2 billion, about the same as a year earlier (+5.6%).
Its operating margin was 23.3%, up 2.1 percentage points from a year earlier: for every $100 of sales, about $23 was left as operating profit.
Net income was $14.3 billion (16.8% of revenue), 12.8% higher than a year earlier.
Operating cash flow was −$67.6 billion and capital spending $6.5 billion, leaving free cash flow of −$74.2 billion (-87.0% of revenue).
At the end of the period it held $349.6 billion in cash and $367.7 billion in debt, a net debt position of $18.1 billion.
The diluted share count rose 523.3% in a year, which dilutes existing shareholders.
Five-year trend
- Revenue went from $75.5 billion in fiscal 2020 to $85.2 billion in fiscal 2025, about 2.5% a year.
- Revenue has grown for 4 fiscal years in a row.
- Free cash flow was negative in 4 of the last 6 fiscal years.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B |
| Revenue growth | -4.8% | 4.8% | 3.6% | 3.4% | 5.6% |
| Operating margin | — | — | — | — | — |
| Net income | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| Free cash flow | $43.0B | $19.4B | −$80.0B | −$26.2B | −$74.2B |
| Diluted EPS | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 |
Fiscal years as reported in Citigroup’s 10-K filings. Free cash flow is operating cash flow minus capital spending.
Recent SEC filings
- 8-K filed September 24, 2026
Companies like Citigroup
Other S&P 500 companies in Diversified Banks:
- BACBank of AmericaCharlotte, North Carolina
- JPMJPMorgan ChaseNew York City, New York
- PNCPNC Financial ServicesPittsburgh, Pennsylvania
- TFCTruist FinancialCharlotte, North Carolina
- USBU.S. BancorpMinneapolis, Minnesota
- WFCWells FargoSan Francisco, California
More from Financials
Questions about Citigroup
Is Citigroup's revenue growing?
Yes. Revenue for the twelve months to December 31, 2025 was $85.2 billion, up 5.6% from a year earlier, according to its SEC filings.
Is Citigroup profitable?
Yes. It earned $14.3 billion in net income over the twelve months to December 31, 2025, a net margin of 16.8%.
Does Citigroup have more cash or more debt?
At December 31, 2025 it had $349.6 billion in cash and $367.7 billion in debt, so more debt than cash.
Which companies are similar to Citigroup?
In the S&P 500, Citigroup is grouped in Diversified Banks within the Financials sector. Bank of America (BAC), JPMorgan Chase (JPM), PNC Financial Services (PNC), Truist Financial (TFC), U.S. Bancorp (USB) are in the same group.
Understand the numbers
Source: Citigroup’s filings with the U.S. Securities and Exchange Commission (EDGAR), retrieved September 27, 2026. Figures are as reported by the company and may be restated. This page is for information only and is not financial advice.