What is the 13F Pro Quality Score for C?

13F Pro ranks CITIGROUP INC (C) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View C's current score at https://13fpro.ai/company/C (free sign-up required for the full ranking).

Which hedge funds own the most C stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of C include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/C as soon as new 13F filings post.

Where does 13F Pro source C data?

All CITIGROUP INC fundamentals and ownership data come directly from SEC EDGAR. CITIGROUP INC files with the SEC under CIK 831001. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

CITIGROUP INC (C) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives C's revenue?

Per CITIGROUP INC's latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Markets ($7,007M, +17% YoY); Services ($6,382M, +18% YoY); U.S. Consumer Cards (USCC) ($4,521M, +1% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/C.

How often is C research updated on 13F Pro?

C's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CITIGROUP INC(C)Stock Analysis

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SEC EDGAR: CIK 831001 C stock profile & AI dashboard →

13F Pro Quality Score

65.0/100

Rank #507 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

40.5/100

Profitability

76.5/100

Balance Sheet

37.8/100

Earnings Quality

1.8/100

Free Cash Flow

6.9/100

Institutional Flow

41.5/100

Revenue Scale

98.2/100

Dilution Risk

94.7/100

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Why C Scores 65/100

exact factor attribution · 2026-09-11

C's composite is driven by scale and profitability, held back by free cash flow and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+9.6 pts

98th pct

Profitability

+5.3 pts

77th pct

Shareholder dilution

+3.0 pts

95th pct

Earnings growth

+1.8 pts

77th pct

Institutional flow

-0.6 pts

42th pct

Capital efficiency

-1.6 pts

38th pct

Revenue growth

-2.5 pts

41th pct

Earnings quality

-4.8 pts

2th pct

Free cash flow

-6.5 pts

7th pct

Latest change (2026-08-06): 55 → 55 · ↑ Earnings growth 43→60

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

C Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for CITIGROUP INC (C), 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. CITIGROUP INC's 13F Pro composite quality score has ranged between 47 and 70 since 2021, currently 65.0 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about CITIGROUP INC

Quirks, history, and lore behind C — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mega-cap · listed on the NYSE · headquartered in New York City.
2
The Numbers
One of the largest banks on the planet, with a balance sheet over $2 trillion in assets and operations in roughly 160 countries — it may bank in more nations than you've visited.
3
The History
Its roots trace back to 1812, and it was born in its modern form from one of the largest financial mergers of the 1990s — a deal so big it actually required Congress to rewrite the rules.
4
The Secret
It received the largest bank bailout of the 2008 financial crisis — a staggering $45 billion from the U.S. government — and spent years clawing its way back to respectability.
5
The Lore
Its iconic red umbrella logo, inherited from Travelers Group after their merger, was quietly retired — but old-timers still miss it. CEO Jane Fraser became the first woman to lead a major Wall Street bank when she took the helm in 2021.
6
The Giveaway
Its single-letter NYSE ticker says it all — and so does that famous blue and white wordmark on credit cards held by over 200 million customers worldwide.

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What's Driving C's Business? Latest 10-Q Breakdown

✓ 33/33 datapoints verified

AI-extracted from CITIGROUP INC's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q4 2025

$19.9B

Net Income

Q4 2025

$2.5B

Free Cash Flow

Q4 2025

$24.9B

Operating Margin

Q4 2025

19.2%

ROIC

Q4 2025

2.6%

D/E Ratio

Q4 2025

1.73

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+5.6% YoY

$85.22BFY 2025

FY22 $75.34BFY23 $78.07BFY24 $80.72BFY25 $85.22B

Net Income

+12.8% YoY

$14.31BFY 2025

FY22 $14.85BFY23 $9.23BFY24 $12.68BFY25 $14.31B

EPS (Diluted)

+17.7% YoY

$6.99FY 2025

FY22 $7.00FY23 $4.04FY24 $5.94FY25 $6.99

Total Assets

+12.9% YoY

$2.66TFY 2025

FY22 $2.42TFY23 $2.41TFY24 $2.35TFY25 $2.66T

Total Debt

+9.5% YoY

$367.70BFY 2025

FY22 $318.70BFY23 $324.08BFY24 $335.81BFY25 $367.70B

Op. Cash Flow

-243.9% YoY

$-67.63BFY 2025

FY22 $25.07BFY23 $-73.42BFY24 $-19.67BFY25 $-67.63B

Free Cash Flow

-183.4% YoY

$-74.15BFY 2025

FY22 $19.44BFY23 $-80.00BFY24 $-26.17BFY25 $-74.15B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$85.22B +5.6%	$80.72B +3.4%	$78.07B +3.6%	$75.34B +4.8%	$71.88B -4.8%	$75.50B
Net Income	$14.31B +12.8%	$12.68B +37.4%	$9.23B -37.8%	$14.85B -32.4%	$21.95B +98.7%	$11.05B
EPS (Diluted)	$6.99 +17.7%	$5.94 +47.0%	$4.04 -42.3%	$7.00 -31.0%	$10.14 +114.8%	$4.72
Total Assets	$2.66T +12.9%	$2.35T -2.4%	$2.41T -0.2%	$2.42T +5.5%	$2.29T +1.4%	$2.26T
Total Debt	$367.70B +9.5%	$335.81B +3.6%	$324.08B +1.7%	$318.70B +12.9%	$282.35B -6.3%	$301.20B
Operating Cash Flow	$-67.63B -243.9%	$-19.67B +73.2%	$-73.42B -392.9%	$25.07B -46.8%	$47.09B +300.5%	$-23.49B
Free Cash Flow	$-74.15B -183.4%	$-26.17B +67.3%	$-80.00B -511.6%	$19.44B -54.8%	$42.97B +259.5%	$-26.93B

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Available Research

13F Pro tracks comprehensive data for CITIGROUP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of C

BlackRock, Inc.
$20.9B149,509,189 sh
VANGUARD CAPITAL MANAGEMENT LLC
$15.0B107,230,182 sh
STATE STREET CORP
$10.9B77,908,419 sh
GEODE CAPITAL MANAGEMENT, LLC
$5.7B41,054,866 sh
Fisher Asset Management, LLC
$5.1B36,456,162 sh
FRANKLIN RESOURCES INC
$5.0B36,014,050 sh
Capital World Investors
$4.7B33,626,421 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$4.5B32,370,598 sh
FMR LLC
$4.4B31,648,606 sh
MORGAN STANLEY
$3.9B28,109,284 sh

Fund	Value	Shares
BlackRock, Inc.	$20.9B	149,509,189
VANGUARD CAPITAL MANAGEMENT LLC	$15.0B	107,230,182
STATE STREET CORP	$10.9B	77,908,419
GEODE CAPITAL MANAGEMENT, LLC	$5.7B	41,054,866
Fisher Asset Management, LLC	$5.1B	36,456,162
FRANKLIN RESOURCES INC	$5.0B	36,014,050
Capital World Investors	$4.7B	33,626,421
VANGUARD PORTFOLIO MANAGEMENT LLC	$4.5B	32,370,598
FMR LLC	$4.4B	31,648,606
MORGAN STANLEY	$3.9B	28,109,284

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Is C a good stock to buy?

13F Pro's AI-powered analysis of CITIGROUP INC (C) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for C are available on the C stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. C is classified as a mega company.

Which hedge funds own C?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling C. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CITIGROUP INC's investment landscape.