CITIGROUP INC(C)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
CITIGROUP INC (C) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores C at 65.0/100 on a 32-signal composite quality model, placing it at rank #507 of 2,961 stocks — the top 25% of the AI-ranked universe. C scores in the top quartile across revenue scale (98.2), profitability (76.5). Areas of concern include earnings quality (1.8) and free cash flow (6.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2025), CITIGROUP INC reports quarterly revenue of $19.9B, net income of $2.5B, an operating margin of 19.2%. Top institutional holders of C by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. C trades on the NYSE exchange and files with the SEC under CIK 831001. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate C daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CITIGROUP INC directly from SEC EDGAR.
AI Quality Score
65.0/100
AI Rank
#507
Revenue
$19.9B
Net Income
$2.5B
Free Cash Flow
$24.9B
Operating Margin
19.2%
C key financials by period
CITIGROUP INC reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$85.2B
$14.3B
23.3%
FY 2024
10-K
$80.7B
$12.7B
21.1%
FY 2023
10-K
$78.1B
$9.2B
16.5%
FY 2022
10-K
$75.3B
$14.8B
25.0%
FY 2021
10-K
$71.9B
$22.0B
38.2%
FY 2020
10-K
$75.5B
$11.0B
18.1%
Institutions holding C
Institutional investors reporting a position in CITIGROUP INC on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Citigroup revenues rose 14% to $24.8 billion and net income jumped 45% to $5.8 billion ($3.15 diluted EPS), with all five businesses growing and expenses up only 5%.
Biggest Revenue Drivers
Markets$7,007M+17% YoY
Higher revenues in both Equity Markets and Fixed Income Markets, with strong activity across client segments
Services$6,382M+18% YoY
Growth in TTS and Securities Services; average deposit balances up 19% on higher operating deposits
Biggest Revenue Drivers
Total revenue: $24.8B+14% YoY
Markets$7,007M+17% YoY
Higher revenues in both Equity Markets and Fixed Income Markets, with strong activity across client segments
Services$6,382M+18% YoY
Growth in TTS and Securities Services; average deposit balances up 19% on higher operating deposits
U.S. Consumer Cards (USCC)$4,521M+1% YoY
Net interest income up 5% on higher interest-earning balances, offset by a 47% decline in non-interest revenue
Wealth$3,177M+13% YoY
Growth across Citigold and Retail Banking, Private Bank and Wealth at Work on higher deposit spreads and balances
Banking$1,922M+34% YoY
Investment Banking revenues up 44%, driven by DCM up 65% and ECM up 92%, partially offset by lower Advisory
Largest Expense Items
Compensation and benefits$7,992M
Higher performance-related and other compensation and investments in the businesses, largely offset by productivity savings and lower transformation expenses
Provisions for credit losses and for benefits and claims$2.5B-12% YoY
Net credit losses of $2.4 billion, up 8%, plus a net allowance build of $118 million
Technology/communication$2,269M
Broadly flat versus the prior-year period
Transactional and product servicing$1,341M
Higher volumes in Markets, particularly Equity Markets, and higher customer engagement costs in USCC
Margins: Citi and four of its five businesses achieved positive operating leverage of 960 bps, with revenue up 14% against 5% expense growth. The efficiency ratio improved to 57.4% from 62.7%.
Watch Items from the Filing
Citi holds approximately $9 billion of unrealized CTA losses tied to Banamex, to be recognized in earnings when Banamex meets held-for-sale criteria, possibly in early 2027.
USCC non-interest revenue fell 47% to $(659) million on higher partner payment accruals and new-account acquisition costs, holding segment revenue growth to 1%.
Applying 100% weight to the downside macro scenario would raise the allowance for credit losses by approximately $4.3 billion on lending exposures.
CET1 Capital ratio fell to 12.8% from 13.5% a year earlier, roughly 120 bps above the requirement, after $10.3 billion of year-to-date share repurchases.
Mexico Consumer net credit loss rate rose to 6.13% from 5.28%, driven by growth and seasoning of credit card loans; Banking NCL rate rose to 0.63% from 0.08%.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
