AI Takeaway
Citigroup delivered solid FY2025 results with revenue rising 5.6% to $85.2B and net income surging 12.8% to $14.3B, while a dramatic swing in cash flows reflects large-scale balance sheet repositioning and significantly higher capital returns to shareholders.
Revenue
$85.22B
++5.58% YoY
EPS (Basic)
$7.11
++17.91% YoY
Filed · Analysis updated · Source: SEC EDGAR 10-K filing
Citigroup grew total revenues by 5.6% year-over-year to $85.2B in FY2025, up from $80.7B in FY2024, reflecting broad-based business momentum across its diversified banking and services segments.
Source: Source: 10-K Income Statement (XBRL Financial Data)
Net income rose 12.8% to $14.3B and diluted EPS jumped 17.7% to $6.99, outpacing revenue growth and suggesting improved operating leverage and/or lower credit costs relative to the prior year.
Source: Source: 10-K Income Statement (XBRL Financial Data)
Total assets grew 12.9% to $2.66T, funded primarily by a 14.0% increase in total liabilities to $2.44T, indicating substantial growth in the firm's lending, trading, or deposit-taking activities during FY2025.
Source: Source: 10-K Balance Sheet (XBRL Financial Data)
2 more insights available
Upgrade to unlockCitigroup's debt-to-equity ratio stands at approximately 11.5x, reflecting the inherently leveraged nature of global banking. Long-term debt grew 9.9% to $315.8B, increasing sensitivity to interest rate movements and refinancing risk. Any deterioration in credit markets could disproportionately impact the firm's capital position.
Source: Source: 10-K Balance Sheet (XBRL Financial Data)
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Upgrade to unlockReported EPS of $1.81 versus the $1.71 analyst consensus — a +6.0% beat for FY2025.
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue | $85.22B | $80.72B | +5.58% |
Net Income | $14.31B | $12.68B | +12.81% |
EPS (Basic) | $7.11 | $6.03 | +17.91% |
EPS (Diluted) | $6.99 | $5.94 | +17.68% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Total Assets | $2.66T | $2.35T | +12.93% |
Total Liabilities | $2.44T | $2.14T | +13.99% |
Stockholders' Equity | $212.29B | $208.6B | +1.77% |
Long-Term Debt | $315.83B | $287.3B | +9.93% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Operating Cash Flow | $-67.63B | $-19.67B | -243.85% |
Investing Cash Flow | $-108.28B | $86.25B | -225.54% |
Financing Cash Flow | $238.03B | $-38.3B | +721.43% |
Dividends Paid | $5.37B | $5.2B | +3.33% |
Share Buybacks | $13.25B | $2.47B | +435.57% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Net Margin | 16.8% | — | — |
ROE | 6.7% | — | — |
ROA | 0.5% | — | — |
Debt to Equity | $11.51 | — | — |
Other companies in Diversified Banks
Citigroup had a strong FY2025, with revenue growing 5.6% to $85.2B and net income rising 12.8% to $14.3B. Diluted EPS jumped 17.7% to $6.99, partly boosted by $13.25B in share buybacks during the year.
Citigroup's operating cash flow was -$67.6B and investing cash flow was -$108.3B in FY2025, compared to -$19.7B and +$86.3B respectively in FY2024. These large swings are typical of global banks repositioning their securities portfolios or expanding loan books, and were offset by +$238.0B in financing cash flows reflecting significant wholesale funding activity.
Yes, Citigroup paid $5.37B in dividends in FY2025, a modest 3.3% increase from $5.20B in FY2024. The more notable capital return was a 435.6% surge in share buybacks to $13.25B, signaling management's confidence in the firm's capital position.
Citigroup's balance sheet expanded significantly to $2.66T in total assets, but leverage remains high with a debt-to-equity ratio of 11.5x and long-term debt of $315.8B. ROE of 6.7% and ROA of 0.54% remain below many peers, suggesting the firm still has work to do on improving returns as part of its ongoing transformation.
Citigroup's diluted EPS grew 17.7% year-over-year to $6.99 in FY2025, up from $5.94 in FY2024. This growth outpaced net income growth of 12.8%, reflecting the benefit of significant share repurchases totaling $13.25B during the fiscal year.