Citigroup Inc., a diversified financial service holding company, provides various financial products and services to consumers, corporations, governments, and institutions. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes treasury and trade solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and securities services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, and prime brokerage. The Banking segment includes investment banking services comprising equity and debt capital markets-related strategic financing solutions; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending consists of corporate and commercial banking. The U.S. Personal Banking segment provides proprietary and co-branded card portfolios; and traditional banking services to retail and small business customers. The Wealth segment offers financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; professional industries, including law firms, consulting groups, accounting, and asset management; and affluent and high net worth clients. The company operates in North America, the United Kingdom, Japan, North and South Asia, Australia, Europe, the Middle East, and Africa. Citigroup Inc. was founded in 1812 and is headquartered in New York, New York.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $85.2B | - | $14.3B | $-74.2B | 7.4% | 5.6% | 12.8% |
| 2024 | $80.7B | - | $12.7B | $-26.2B | 6.6% | 3.3% | 37.4% |
| 2023 | $78.1B | - | $9.2B | $-80.0B | 4.9% | 4.8% | -37.8% |
| 2022 | $74.5B | - | $14.8B | $19.4B | 8.1% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 74,480 | 78,090 | 80,672 | 85,213 |
| Operating Revenue | - | 74,480 | 78,090 | 80,672 | 85,213 |
| Selling General And Administration | - | 28,305 | 30,712 | 29,745 | 30,823 |
| Interest Income | - | 74,408 | 133,258 | 143,713 | 142,864 |
| Interest Expense | - | 25,740 | 78,358 | 89,618 | 83,072 |
| Net Interest Income | - | 48,668 | 54,900 | 54,095 | 59,792 |
| Pretax Income | - | 18,807 | 12,910 | 17,046 | 19,828 |
| Tax Provision | - | 3,642 | 3,528 | 4,211 | 5,373 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 24.98 | -780.51 | -192.66 | -298.37 |
| Net Income Continuous Operations | - | 15,165 | 9,382 | 12,835 | 14,455 |
| Net Income From Continuing And Discontinued Operation | - | 14,845 | 9,228 | 12,682 | 14,306 |
| Net Income From Continuing Operation Net Minority Interest | - | 15,076 | 9,229 | 12,684 | 14,309 |
| Net Income | - | 14,845 | 9,228 | 12,682 | 14,306 |
| Net Income Common Stockholders | - | 13,700 | 7,850 | 11,458 | 13,021 |
| Net Income Including Noncontrolling Interests | - | 14,934 | 9,381 | 12,833 | 14,452 |
| Normalized Income | - | 14,971.98 | 11,307.49 | 13,271.34 | 15,111.63 |
| Diluted NI Availto Com Stockholders | - | 13,741 | 7,907 | 11,532 | 13,097 |
| Basic Average Shares | - | 1,946.70 | 1,930.10 | 1,901.40 | 1,832 |
| Diluted Average Shares | - | 1,964.30 | 1,955.80 | 1,940.10 | 1,873.10 |
| Reconciled Depreciation | - | 4,262 | 4,560 | 4,311 | 4,373 |
| Total Unusual Items | - | 129 | -2,859 | -780 | -1,101 |
| Total Unusual Items Excluding Goodwill | - | 129 | -2,859 | -780 | -1,101 |
| Preferred Stock Dividends | - | 1,032 | 1,198 | 1,054 | 1,114 |
| Minority Interests | - | -89 | -153 | -151 | -146 |
| Net Income Discontinuous Operations | - | -231 | -1 | -2 | -3 |
| Special Income Charges | - | 129 | -2,859 | -780 | -1,101 |
| Gain On Sale Of Business | - | 664 | -372 | -318 | -877 |
| Other Special Charges | - | - | 1,706 | 203 | 238 |
| Impairment Of Capital Assets | - | 535 | - | - | - |
| Restructuring And Mergern Acquisition | - | 0 | 781 | 259 | -14 |
| Gain On Sale Of Security | - | -460 | -115 | -152 | 107 |
| General And Administrative Expense | - | 26,749 | 29,319 | 28,632 | 29,726 |
| Salaries And Wages | - | 26,655 | 29,232 | 28,542 | 29,639 |
| Insurance And Claims | - | 94 | 87 | 90 | 87 |
| Selling And Marketing Expense | - | 1,556 | 1,393 | 1,113 | 1,097 |
| Otherunder Preferred Stock Dividend | - | 113 | 180 | 170 | 171 |
| Average Dilution Earnings | - | 41 | 57 | 74 | 76 |
| Occupancy And Equipment | - | 2,320 | 2,508 | 2,438 | 2,477 |
| Professional Expense And Contract Services Expense | - | 2,481 | 2,078 | 2,016 | 2,073 |
| Other Non Interest Expense | - | 17,584 | 17,900 | 18,678 | 18,745 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Citigroup Inc.this co. | C | $230.5B | 17.70β discount | 1.09 | 6.1% | - |
| The Goldman Sachs Group, Inc. | GS | $322.3B | 19.77 | 2.58 | 13.0% | - |
| Wells Fargo & Company | WFC | $249.8B | 11.71 | 1.52 | 13.0% | - |
| American Express Company | AXP | $213.2B | 19.68 | 6.37 | 32.4% | - |
| BlackRock, Inc. | BLK | $166.5B | 29.99 |
| - |
| - |
| - |
| - |
| 2.98 |
| 9.9% |
| 18.17 |
| The Charles Schwab Corporation | SCHW | $153.0B | 17.29 | 3.59 | 20.7% | - |
| Interactive Brokers Group, Inc. | IBKR | $147.7B | 150.07 | 27.54 | 18.3% | 15.71 |
| Blackstone Inc. | BX | $144.9B | 47.99 | 16.72 | 34.8% | - |
| S&P Global Inc. | SPGI | $124.4B | 27.81 | 4.00 | 14.4% | 17.70 |
| Peer Median | - | 23.79 | 3.79 | 16.4% | 17.70 | |