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Citigroup Inc. C

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122.71 USD -0.39 (-0.32%)

At closeNov 4, 2026, 5:16 AM EST

124.73 +2.02 +1.65%

Pre-market · Nov 4, 5:16 AM ET

121.43 Day range 122.91
95.83 52-week range 147.96
YTD
+5.16%
1 year
+21.48%

Financial health

Altman Z-Score

0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 3

Valuation

P/E 16.1×
FY 2016: 12.5×FY 2017: -25.0×FY 2018: 7.8×FY 2019: 9.9×FY 2020: 13.0×FY 2021: 5.9×FY 2022: 6.4×FY 2023: 12.6×FY 2024: 11.7×FY 2025: 16.1×
FY 2016 5y median 11.7× FY 2025
P/S 1.3×
FY 2016: 2.1×FY 2017: 2.3×FY 2018: 1.3×FY 2019: 1.7×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 0.9×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 1.3×
FY 2016 5y median 0.9× FY 2025
P/B 1.0×
FY 2016: 0.8×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 1.0×
FY 2016 5y median 0.6× FY 2025
P/FCF -2.9×
FY 2016: 3.4×FY 2017: -16.5×FY 2018: 3.9×FY 2019: -9.9×FY 2020: -4.8×FY 2021: 2.9×FY 2022: 4.5×FY 2023: -1.2×FY 2024: -5.1×FY 2025: -2.9×
FY 2016 5y median -1.2× FY 2025
EV/EBITDA 23.9×
FY 2016: 15.5×FY 2017: 17.3×FY 2018: 14.1×FY 2019: 16.0×FY 2020: 18.2×FY 2021: 10.6×FY 2022: 11.6×FY 2023: 25.2×FY 2024: 21.0×FY 2025: 23.9×
FY 2016 5y median 21.0× FY 2025
EV/Sales 3.4×
FY 2016: 4.7×FY 2017: 5.1×FY 2018: 4.0×FY 2019: 4.3×FY 2020: 3.6×FY 2021: 4.2×FY 2022: 2.7×FY 2023: 2.8×FY 2024: 2.6×FY 2025: 3.4×
FY 2016 5y median 2.8× FY 2025
FCF Yield -34.9%
FY 2016: 29.8%FY 2017: -6.0%FY 2018: 25.6%FY 2019: -10.1%FY 2020: -20.9%FY 2021: 35.0%FY 2022: 22.1%FY 2023: -80.6%FY 2024: -19.6%FY 2025: -34.9%
FY 2016 5y median -19.6% FY 2025

Profitability

Gross Margin 44.6%
FY 2016: 76.8%FY 2017: 73.2%FY 2018: 67.3%FY 2019: 64.5%FY 2020: 65.4%FY 2021: 94.9%FY 2022: 69.2%FY 2023: 43.7%FY 2024: 41.7%FY 2025: 44.6%
FY 2016 5y median 44.6% FY 2025
Operating Margin 11.8%
FY 2016: 25.8%FY 2017: 25.6%FY 2018: 24.1%FY 2019: 23.1%FY 2020: 15.3%FY 2021: 34.4%FY 2022: 18.8%FY 2023: 8.3%FY 2024: 10.0%FY 2025: 11.8%
FY 2016 5y median 11.8% FY 2025
Net Margin 8.5%
FY 2016: 17.9%FY 2017: -7.6%FY 2018: 18.6%FY 2019: 18.8%FY 2020: 12.4%FY 2021: 27.5%FY 2022: 14.8%FY 2023: 5.9%FY 2024: 7.4%FY 2025: 8.5%
FY 2016 5y median 8.5% FY 2025
ROE 6.7%
FY 2016: 6.6%FY 2017: -3.4%FY 2018: 9.2%FY 2019: 10.0%FY 2020: 5.5%FY 2021: 10.9%FY 2022: 7.4%FY 2023: 4.5%FY 2024: 6.1%FY 2025: 6.7%
FY 2016 5y median 6.7% FY 2025
ROIC 0.9%
FY 2016: 2.3%FY 2017: -1.0%FY 2018: 2.6%FY 2019: 2.7%FY 2020: 1.5%FY 2021: 2.9%FY 2022: 1.9%FY 2023: 1.1%FY 2024: 1.5%FY 2025: 0.9%
FY 2016 5y median 1.5% FY 2025
ROA 0.5%
FY 2016: 0.8%FY 2017: -0.4%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 0.5%FY 2021: 1.0%FY 2022: 0.6%FY 2023: 0.4%FY 2024: 0.5%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue -1.4%
FY 2016: -5.6%FY 2017: 6.8%FY 2018: 9.2%FY 2019: 6.5%FY 2020: -14.1%FY 2021: -10.1%FY 2022: 25.5%FY 2023: 55.0%FY 2024: 9.9%FY 2025: -1.4%
FY 2016 FY 2025
Operating Income 16.3%
FY 2016: -13.5%FY 2017: 6.0%FY 2018: 3.0%FY 2019: 1.9%FY 2020: -43.0%FY 2021: 101.5%FY 2022: -31.5%FY 2023: -31.4%FY 2024: 32.0%FY 2025: 16.3%
FY 2016 FY 2025
EPS (diluted) 17.5%
FY 2016: -12.5%FY 2017: -162.9%FY 2018: 324.2%FY 2019: 20.4%FY 2020: -41.2%FY 2021: 114.4%FY 2022: -31.0%FY 2023: -42.3%FY 2024: 47.3%FY 2025: 17.5%
FY 2016 FY 2025
Free Cash Flow -183.4%
FY 2016: 40.1%FY 2017: -123.7%FY 2018: 373.4%FY 2019: -154.8%FY 2020: -48.2%FY 2021: 259.5%FY 2022: -54.8%FY 2023: -511.6%FY 2024: 67.3%FY 2025: -183.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 3.4×
FY 2016: 1.7×FY 2017: 2.2×FY 2018: 2.3×FY 2019: 2.4×FY 2020: 2.5×FY 2021: 2.3×FY 2022: 2.6×FY 2023: 2.9×FY 2024: 2.8×FY 2025: 3.4×
FY 2016 5y median 2.8× FY 2025
Net Debt / EBITDA 15.1×
FY 2016: 8.7×FY 2017: 9.7×FY 2018: 9.3×FY 2019: 9.6×FY 2020: 10.9×FY 2021: 6.7×FY 2022: 7.8×FY 2023: 19.5×FY 2024: 14.7×FY 2025: 15.1×
FY 2016 5y median 14.7× FY 2025
Interest Coverage 0.2×
FY 2016: 1.7×FY 2017: 1.4×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 1.0×FY 2021: 3.4×FY 2022: 0.7×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 1.3%FY 2017: 1.9%FY 2018: 3.9%FY 2019: 3.0%FY 2020: 4.2%FY 2021: 4.2%FY 2022: 5.7%FY 2023: 5.2%FY 2024: 3.9%FY 2025: 2.5%
FY 2016 5y median 4.2% FY 2025
Payout Ratio 37.6%
FY 2016: 15.3%FY 2017: -55.9%FY 2018: 27.8%FY 2019: 28.1%FY 2020: 48.4%FY 2021: 23.7%FY 2022: 33.7%FY 2023: 56.5%FY 2024: 41.0%FY 2025: 37.6%
FY 2016 5y median 37.6% FY 2025

Annual · latest fiscal year ends 2025-12-31