Fundamental analysis · SEC EDGAR · as of 31/12/2025
C · NYSE · Financial
Fundamental quality
48
out of 100
Citigroup Inc is a mature, stable business: it earns money solidly (net margin 16.8%) but grows slowly (2.5% a year). On fundamental quality it scores 48 out of 100, profiling it as a company with demanding fundamentals. Its weakest area is its financial strength (FCF margin -87%). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Citigroup is one of the largest U.S. banks, with a global footprint that's especially strong in corporate and investment banking and in cross-border payments for multinationals. After years of restructuring, it has refocused on its more profitable businesses.
EPS growth: 8.2% · Revenue growth: 2.5%
Net margin: 16.8% · ROE: 6.7%
FCF: -87%
Source: SEC EDGAR · as of 31/12/2025
The score combines growth, profitability and financial strength. Here its profitability weighs in its favor, while its financial strength drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Why isn't a bank measured like other companies? Read the how to analyze a bank guide.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 75,501 | 11,047 | -26,934 | -8,415 |
| 2021 | 71,884 | 21,952 | 42,971 | 20,314 |
| 2022 | 75,338 | 14,845 | 19,437 | -23,323 |
| 2023 | 78,066 | 9,228 | -79,999 | 63,144 |
| 2024 | 80,722 | 12,682 | -26,169 | 59,273 |
| 2025 | 85,225 | 14,306 | -74,152 | 18,126 |
Between 2020 and 2025, revenue went from $75,501M to $85,225M (+13%) and net income went from $11,047M to $14,306M (+30%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
$2.87
per share, yearly
37.6% of earnings
Payout
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Citigroup Inc cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Citigroup Inc a good company to invest in?
In terms of business quality, Citigroup Inc scores 48 out of 100 in our analysis, placing it as a company with demanding fundamentals. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Citigroup Inc a profitable company?
Yes. Citigroup Inc shows a net margin of 16.8% and an ROE of 6.7%, a sign of a profitable business.
Is Citigroup Inc growing?
Its revenue has grown 2.5% annualized in recent years and its earnings per share 8.2%.
Does Citigroup Inc generate cash?
Over the last twelve months its free cash flow was negative.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Citigroup Inc's filings on EDGAR
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