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CompareEarnings: May 31, 2026

Citigroup Inc

Exchange: NYSESector: Financial ServicesIndustry: Banks - Diversified

Citi is one of the world's largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary global conversation - accessing information, analyzing data, developing insights, and formulating advice for our clients. About Citi Global Perspectives & Solutions (Citi GPS) As our premier thought-leadership product, Citi Global Perspectives & Solutions (Citi GPS) is designed to help our clients navigate the global economy's most demanding challenges, identify future themes and trends, and help our clients profit in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of our research analysts and a wide range of senior professionals across our firm. About the Oxford Martin School The Oxford Martin School is a world-leading research department of the University of Oxford. Its 200 academics work across more than 30 pioneering research programmes to find solutions to the world's most urgent challenges. It supports novel and high-risk projects that often do not fit within conventional funding channels, with the belief that breaking boundaries and fostering innovative collaborations can dramatically improve the wellbeing of this and future generations. Underpinning all our research is the need to translate academic excellence into impact – from innovations in science, medicine and technology, through to providing expert advice and policy recommendations. Web: www.oxfordmartin.ox.ac.uk - Twitter: @oxmartinschool - Facebook: /oxfordmartinschool

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Trading 100% below its estimated fair value of $230.68.

Current Price

$115.25

-0.04%

GoodMoat Value

$230.68

100.2% undervalued
Profile
Valuation (TTM)
Market Cap$206.21B
P/E14.41
EV$565.98B
P/B0.97
Shares Out1.79B
P/Sales2.42
Revenue$85.22B
EV/EBITDA23.80

Citigroup Inc (C) Financial Statements

GoodMoat Analysis

Based on data as of March 26, 2026

Citigroup's financial quality presents a mixed picture for a value investor. While it shows modest revenue growth and a solid operating margin, it is offset by weak free cash flow generation and a highly leveraged balance sheet, which are significant concerns.

Read full analysis
Analyzing Citigroup through the GoodMoat Quality Indicators reveals a profile with notable strengths and weaknesses. The company's 4.4% YoY revenue growth is modest but positive, and its 23.3% operating margin is a solid indicator of core profitability. However, several key quality metrics fall short of the framework's benchmarks. Most critically, the free cash flow (FCF) yield of -36.2% is deeply unfavourable, indicating the company is not currently generating surplus cash for shareholders and fails the framework's test for positive, growing FCF. The balance sheet is also a concern, with a Debt/Equity ratio of 3.37, which is significantly above the favourable threshold of less than 1.0x. This high leverage introduces financial risk. Return on Equity (ROE) of 6.7% is below the cost of capital for most large banks, suggesting suboptimal use of shareholder funds. From a growth assessment perspective, the 4.4% revenue trajectory is not accelerating and is well below the high-growth threshold of 20%, indicating a mature, slow-growth profile typical of its industry. The combination of weak cash generation, high leverage, and low returns presents a challenging quality picture that requires careful scrutiny. Analysis based on data as of 2024-05-15.

C Financial Data

EBITDA$24.05B
Revenue (TTM)$85.22B
Gross Profit (TTM)$74.96B
Gross Margin—
Operating Margin23.27%
ROE6.74%
ROA0.54%
Debt/Equity3.37
Current Ratio—
FCF$-74.09B
FCF Yield-35.93%
Piotroski F-Score—
Rev/Share (TTM)$47.63
50-Day MA$112.73
200-Day MA$102.38
Shares Outstanding1.79B

C Computed Insights

FCF$-74.09B
FCF Growth Rate—
EPS Growth (CAGR)—
WACC10.00%

Income Statement

Balance Sheet

Cash Flow Statement

C Financial Statements & Data

Citigroup Inc (C) financial data including income statement, balance sheet, and cash flow statement. This page provides a comprehensive view of Citigroup Inc's financial performance and position as a Financial Services company.

Trailing twelve-month (TTM) revenue is $85.22B. Gross profit (TTM) is $74.96B. EBITDA is $24.05B. Earnings per share (EPS) is $6.99. The P/E ratio is 14.41. Market capitalization is $206.21B.

Free cash flow (FCF) is $-74.09B. Weighted average cost of capital (WACC) is 10.00%.

Historical revenue data covers 7 years from FY19 to FY25. Net income history spans 7 years. Free cash flow and capital expenditure data spans 7 years. GoodMoat displays interactive charts for revenue, net income, FCF vs CAPEX, and cash-to-debt ratios to help investors identify financial trends.

Use Citigroup Inc's financial data to assess the company's earnings quality, balance sheet health, and cash generation. Compare key metrics across periods to identify trends before making investment decisions with GoodMoat's valuation tools.