Citigroup C

Banks - Diversified, Financial Services

$120.62

−1.54%

Market cap: $202.3B
PE: 11.8×; 10y median 10.5×
Forward PE: 9.9×; 10y median 10.7×
Revenue, 12 months: $93.1B; +10% on a year ago
Net margin: 20.8%

Citigroup trades at 11.8× trailing earnings, near its ten-year median. Revenue was $93.1B over the last twelve months, up 10% on a year earlier with a 21% net margin.

Charts

Financials

Income statement for C, by quarter
Income statement	Q4 FY23	Q1 FY24	Q2 FY24	Q3 FY24	Q4 FY24	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26
	$17.4B−3%	$21B−2%	$20B+3%	$20.2B+0%	$19.5B+12%	$21.6B+3%	$21.7B+8%	$22.1B+9%	$19.9B+2%	$24.6B+14%	$24.8B+14%	$23.8B+8%
Cost of revenue	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Gross profit	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Interest expense	$22.6B+81%	$22.7B+42%	$22.5B+20%	$23.1B+10%	$21.3B−6%	$19.7B−14%	$20.7B−8%	$21.8B−6%	$21B−2%	$19.8B+1%	$20.5B−1%	n/a
Pre-tax income	−$2.1B	$4.5B−27%	$4.3B+7%	$4.4B−8%	$3.8B	$5.4B+20%	$5.2B+21%	$5.3B+22%	$3.8B+0%	$7.5B+38%	$8B+54%	$7.3B+37%
	−$296M	$1.1B−26%	$1B−4%	$1.1B−7%	$912M	$1.3B+18%	$1.2B+13%	$1.6B+40%	$1.3B+41%	$1.6B+18%	$2B+69%	$1.9B+21%
Net income	−$1.8B	$3.4B−27%	$3.2B+10%	$3.2B−9%	$2.9B	$4.1B+21%	$4B+25%	$3.8B+16%	$2.5B−14%	$5.8B+42%	$5.8B+45%	$5.2B+40%
	−$1.16	$1.58−28%	$1.52+14%	$1.51−7%	$1.34	$1.96+24%	$1.96+29%	$1.86+23%	$1.19−11%	$3.06+56%	$3.15+61%	$2.85+53%
	1.9B−2%	1.9B−1%	1.9B−1%	1.9B−1%	1.9B+1%	1.9B−1%	1.9B−3%	1.9B−4%	1.8B−6%	1.8B−8%	1.7B−8%	1.7B−8%

Gross profit: 12 periods, Q1 FY18 to Q4 FY20: not printed by the filing, worked out from its own lines.

Net income: 5 periods, Q4 FY09 to Q4 FY25: printed in the fourth-quarter results release.

EPS, diluted: Q4 FY08: quarter's net income to common over its shares, to the cent. 5 periods, Q4 FY09 to Q4 FY25: printed in the fourth-quarter results release.

Diluted shares: Q4 FY08 and Q4 FY17: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days. 5 periods, Q4 FY09 to Q4 FY25: printed in the fourth-quarter results release. 11 periods, Q4 FY10 to Q4 FY21: share-days: the 12-month average less the 9-month, weighted by days.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet. Figures from older filings without data tags, and from a results release before its 10-Q, are read from the document's text and checked against it.

Estimates

Next earnings report: Jan 14, 2027.

Quarter	Revenue	Range	EPS	Range	Analysts
Q4 FY26	$22.9B	$22.5B to $23.2B	$2.33	$2.11 to $2.44	8
Q1 FY27	$25.3B	$24.5B to $25.7B	$3.27	$3.03 to $3.40	4
Q2 FY27	$25.2B	$24.6B to $25.7B	$3.30	$3.19 to $3.38	1
Q3 FY27	$25B	$24.4B to $25.5B	$3.26	$3.16 to $3.35	1
Q4 FY27	$24.5B	$23.9B to $24.9B	$2.96	$2.86 to $3.03	1
Q1 FY28	$26.3B	$25.7B to $26.8B	$3.78	$3.65 to $3.87	2
Q2 FY28	$26.1B	$25.5B to $26.6B	$3.70	$3.58 to $3.80	2
Q3 FY28	$26B	$25.3B to $26.5B	$3.69	$3.57 to $3.79	2

Peers

Companies in Banks - Diversified nearest Citigroup's size, closest first.

Company	Market cap	PE	Its 10y median PE	Fwd PE	P/S	Revenue growth	Net margin
CCitigroup	$202.3B	11.8×	10.5×	9.9×	n/m	+10%	20.8%
WFCWells Fargo	$249.1B	11.6×	12.7×	10.5×	n/m	+5%	26.3%
BACBank of America	$353.6B	12.0×	13.5×	10.3×	n/m	n/m	n/m
USBU.S. Bancorp	$92.8B	11.9×	12.6×	10.9×	n/m	+7%	27.6%
JPMJPMorgan Chase	$881.4B	13.9×	12.9×	13.2×	n/m	+13%	32.5%
Peer median	$301.4B	12.0×	12.8×	10.7×	n/a	+7%	27.6%