Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
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 (Diluted)
$6.99
+17.68% YoY
Source: SEC XBRL
Citigroup (C) reported FY2025 revenue of $85.22B, up 5.6% year over year. Operating cash flow was negative $67.63B.
Last 4 quarters: 4 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 3.15 | 2.80 | Beat +12.7% |
| Mar 2026 | 3.06 | 2.70 | Beat +13.3% |
| Dec 2025This filing | 1.81 | 1.71 | Beat +6.0% |
| Sep 2025 | 2.24 | 1.94 | Beat +15.6% |
Reported EPS of $1.81 versus the $1.71 analyst consensus — a +6.0% beat for Dec 2025.
Compiled by AI from this SEC 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: 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: 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: 10-K Balance Sheet (XBRL Financial Data)
Share buybacks surged 435.6% to $13.25B while dividends paid rose 3.3% to $5.37B, reflecting management's commitment to returning capital as part of its ongoing transformation strategy.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
Operating cash flow turned sharply negative at -$67.6B (vs. -$19.7B prior year) and investing cash flow was -$108.3B (vs. +$86.3B prior year), while financing cash flow surged to +$238.0B, collectively indicating significant securities portfolio repositioning and wholesale funding activity typical of large global banks.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
Compiled by AI from this SEC filing · 2 high, 3 medium, 0 low
Citigroup'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: 10-K Balance Sheet (XBRL Financial Data)
Operating cash flow was deeply negative at -$67.6B in FY2025, a significant deterioration from -$19.7B in FY2024. For a global bank, large swings in operating cash flow can reflect changes in trading assets, loan originations, or deposit flows, but the magnitude warrants close monitoring for liquidity management implications.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
Citigroup's ROA of just 0.54% highlights the challenge of generating returns on a $2.66T asset base. This metric is below many regional bank peers and underscores the ongoing pressure to improve efficiency and profitability as part of the firm's multi-year transformation.
Source: 10-K Balance Sheet & Income Statement (XBRL Financial Data)
Stockholders' equity grew only 1.8% to $212.3B while total liabilities expanded 14.0%, meaning the balance sheet is becoming more leveraged over time. This dynamic could constrain capital ratios and limit strategic flexibility if earnings growth slows or credit losses rise.
Source: 10-K Balance Sheet (XBRL Financial Data)
Citigroup has been undergoing a multi-year organizational transformation involving divestitures, restructuring, and regulatory remediation. The large swings in investing and financing cash flows suggest continued portfolio repositioning, which carries execution risk and may result in one-time charges or strategic missteps.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 85.23 $B | 80.72 $B | +5.58% |
Net Income $B | 14.31 $B | 12.68 $B | +12.81% |
EPS (Basic) $ | 7.11 $ | 6.03 $ | +17.91% |
EPS (Diluted) $ | 6.99 $ | 5.94 $ | +17.68% |
Answers draw on this SEC filing and the data on this page
Citigroup delivered strong second-quarter 2026 results with net income growing 45% to $5.8 billion, driven by revenue gains across all businesses and disciplined expense management, while returning $5.0 billion to shareholders.
Citigroup's 2026-Q1 10-Q filing is available but no financial data or filing text sections were provided, preventing a detailed quantitative analysis of the quarter's performance.
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