C Citigroup

XNYS Down Alert

Financials

· How we analyze

About the company

Citigroup is a globally active major US bank from New York. Its focus areas are services for corporations such as payments and securities custody, investment banking, securities trading and credit cards in the US. Retail banking in many countries has been sold or is being divested, for example Banamex in Mexico. As of Oct 11, 2026

Fact sheet (from the annual report) National commercial banks · New York, USA

Citigroup is a global financial services holding company whose roots go back to the founding of the City Bank of New York in 1812. Consumers, companies, governments and institutions receive retail banking and loans, corporate and investment banking, securities trading on behalf of clients, trade and securities services, and wealth management. Citi operates in nearly 160 countries and jurisdictions. Through TTS, the Services division offers corporations, financial firms and public entities payments, liquidity management and trade finance, plus securities services, and earns mainly from interest margins and fees. The Markets division trades equities, foreign exchange, rates, credit and commodity products worldwide for corporate, institutional and public clients. Other areas are Banking, Wealth and the retail business in the US.

Automatically summarized from SEC annual report (10-K, filed Feb 20, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 15, 2026

What the methods say about Citigroup

Calculated automatically by fixed rules – not investment advice, check for yourself. How we analyze

Price performance at a glance

Last 30 trading days
  • Today +0.4%
  • 7 days −0.5%
  • 30 days −9.9%
  • 1 year +22.5%
Day range (last trading day)
−0.1%Price at 4% of the range+1.9%
52-week range
−20.8%Price at 48% of the range+22.2%
Distance from the all-time high
−18.2%

Our own calculation from the exchange’s daily candles, as of Oct 26, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.

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Symbol on TradingView: NYSE:C

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Fundamental analysis

Citigroup · Sector Financials · amounts in USD

Information only – does not affect our buy zones, not investment advice. Source: SEC filings, As of Feb 20, 2026.

In short

  • Light yellow: Revenue grew over 5 years (+2.8% per year), more slowly than the sector median.
  • Light yellow: Net income (total) grew over 5 years (+5.3% per year), more slowly than the sector median; per share +8.2% per year.
  • Light yellow: Net margin 16.8%, below the sector median (19.4%).
  • Light red: Debt much higher than usual in the sector.
  • Light yellow: Profit in 9 of 10 fiscal years.

Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.

RevenueNet income Net margin (below) in USD
  1. Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Revenue 69.9B USD · Net income 14.9B USD · Net margin 21.3%
  2. Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Revenue 71.4B USD · Net income −6.8B USD · Net margin −9.5%
  3. Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Revenue 72.9B USD · Net income 18.0B USD · Net margin 24.8%
  4. Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 74.3B USD · Net income 19.4B USD · Net margin 26.1%
  5. Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 74.3B USD · Net income 11.0B USD · Net margin 14.9%
  6. Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 71.9B USD · Net income 22.0B USD · Net margin 30.5%
  7. Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 75.3B USD · Net income 14.8B USD · Net margin 19.7%
  8. Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 78.5B USD · Net income 9.2B USD · Net margin 11.8%
  9. Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 81.1B USD · Net income 12.7B USD · Net margin 15.6%
  10. Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 85.2B USD · Net income 14.3B USD · Net margin 16.8%

Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 85.2B USD · Net income 14.3B USD · Net margin 16.8%

Key figures with traffic lights

Each light follows a simple, disclosed rule. The comparison is with the sector median of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).

Revenue growth

Light yellow: below sector

+2.8% per year, last 5 years

Sector Financials: median +8.8% (73 symbols)

What does this mean? Revenue: over 5 years it grew by 2.8% per year on average, but more slowly than the median company in the sector (+8.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net income (total)

Light yellow: below sector

+5.3% per year, last 5 years

Sector Financials: median +13.8% (71 symbols)

per share: +8.2% per year (5 years, split-adjusted)

What does this mean? Total net income: over 5 years it grew by 5.3% per year on average, but more slowly than the median company in the sector (+13.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net margin

Light yellow: below sector

16.8% last fiscal year

Sector Financials: median 19.4% (75 symbols)

What does this mean? Of every 100 USD in revenue, 16.79 USD remained as profit – less than the median company in the sector (19.4%). Five years ago the margin was 14.9%.

Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.

Debt / equity

Light red: much higher

1.49 latest balance sheet

Sector Financials: median 0.63 (47 symbols)

What does this mean? For every 1 USD of equity there is 1.49 USD of financial debt – more than twice as much as the median company in the sector (0.63). For banks and insurers, debt is part of the business – so the comparison is only with their own sector.

Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.

Payout ratio

Light gray: none found

– Dividend / earnings per share

Sector Financials: median 34% (58 symbols)

What does this mean? The loaded SEC filings of the last two fiscal years contain no dividend per share. Either the company pays none, or it reports it under a different tag.

Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.

Profitable years

Light yellow: 1 loss year

9 of 10 fiscal years with a profit

What does this mean? In 9 of the last 10 fiscal years the bottom line showed a profit. One year ended with a loss.

Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).

Last fiscal year and 13F

Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
85.2B USD
Revenue vs. prior year
+5.0%
Net income (FY)
14.3B USD
Net income vs. prior year
+12.8%
EPS (FY)
6.99 USD
13F funds with a position
2 of 9
Funds vs. prior quarter
±0
Shares held vs. prior quarter
−84.8%
Fiscal year to Dec 31, 2025 · 10-K filed Feb 20, 2026 · Balance sheet Dec 31, 2025 (filed Feb 20, 2026) · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term). 13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
YearEndRevenueNet income MarginEarnings per shareDividend per sharePayout
2025Dec 31, 2025 85.2B14.3B 16.8% 6.99 – –
2024Dec 31, 2024 81.1B12.7B 15.6% 5.94 – –
2023Dec 31, 2023 78.5B9.2B 11.8% 4.04 – –
2022Dec 31, 2022 75.3B14.8B 19.7% 7.00 – –
2021Dec 31, 2021 71.9B22.0B 30.5% 10.14 – –
2020Dec 31, 2020 74.3B11.0B 14.9% 4.72 – –
2019Dec 31, 2019 74.3B19.4B 26.1% 8.04 – –
2018Dec 31, 2018 72.9B18.0B 24.8% 6.68 – –
2017Dec 31, 2017 71.4B−6.8B −9.5% −2.98 – –
2016Dec 31, 2016 69.9B14.9B 21.3% 4.72 – –
Quarters (amounts in USD, per share in USD)
QuarterEndRevenueNet income MarginEarnings per shareDividend per sharePayout
Q4/25*Dec 31, 2025 19.9B2.5B 12.4% – 0.60 –
Q3/25Sep 30, 2025 22.1B3.8B 17.0% 1.86 0.60 32%
Q2/25Jun 30, 2025 21.7B4.0B 18.5% 1.96 0.56 29%
Q1/25Mar 31, 2025 21.6B4.1B 18.8% 1.96 0.56 29%
Q4/24*Dec 31, 2024 19.6B2.9B 14.6% – 0.56 –
Q3/24Sep 30, 2024 20.3B3.2B 15.9% 1.51 0.56 37%
Q2/24Jun 30, 2024 20.1B3.2B 16.0% 1.52 0.53 35%
Q1/24Mar 31, 2024 21.1B3.4B 16.0% 1.58 0.53 34%
Q4/23*Dec 31, 2023 17.4B−1.8B −10.5% – 0.53 –
Q3/23Sep 30, 2023 20.1B3.5B 17.6% 1.63 0.53 33%
Q2/23Jun 30, 2023 19.4B2.9B 15.0% 1.33 0.51 38%
Q1/23Mar 31, 2023 21.4B4.6B 21.5% 2.19 0.51 23%

* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.

How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.

Insiders

All insider transactions
Insider purchases and sales on the market over 3, 6 and 12 months
PeriodPurchasesSalesNet
3 months $00 people $00 people $0
6 months $00 people $265.3K1 person −$265.3K
12 months $00 people $23.0M8 people −$23.0M

Latest transactions

  • May 8, 2026 Dugan John Cunningham Director Open-market sale 2,117 shares · $265.3K · SEC
  • Apr 15, 2026 Skyler Edward Officer Open-market sale 25,000 shares · $3.3M · SEC
  • Apr 15, 2026 Giles Nicole Officer Open-market sale 12,732 shares · $1.7M · SEC
  • Feb 20, 2026 Mason Mark Chief financial officer (CFO) Open-market sale 2,000 shares · $229.9K · SEC
  • Feb 20, 2026 Mason Mark Chief financial officer (CFO) Open-market sale 1,627 shares · $186.1K · SEC
  • Feb 13, 2026 Torres Cantu Ernesto Officer Open-market sale 43,173 shares · $4.8M · SEC

Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.

Trend score -40

Price vs. EMA 50-15
Price vs. EMA 200-15
EMA 50 vs. EMA 200+20
ADX (trend strength)-15
Highs and lows+0
Relative strength-15

Volatility and trend strength

ADX 14 (trend strength)25.6
Rel. strength 60 d−10.8%

ATR and moving averages as price values only when logged in.

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