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/research/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/research/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.

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

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →NYSE

Institutional-grade research for retail investors

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

13F Pro Quality Score

54.8/100

Rank #1,195 of 2,879 stocksTOP 50%

View Financials peers →

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

Revenue Growth

41.7/100

Profitability

82.3/100

Balance Sheet

39.8/100

Earnings Quality

43.1/100

Free Cash Flow

6.0/100

Institutional Flow

29.7/100

Revenue Scale

98.4/100

Dilution Risk

94.9/100

C Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CITIGROUP INC (C), a Financials sector company. 13F Pro's AI-powered ranking engine scores C at 54.8/100 on a 32-signal composite quality model, placing it at rank #1,195 of 2,879 stocks — the top half of the AI-ranked universe. C scores in the top quartile across revenue scale (98.4), profitability (82.3). Areas of concern include free cash flow (6.0) and institutional flow (29.7), 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 66 since 2021, currently 54.8 — a stable long-term trajectory across 28 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.

▶ Think you know your stocks? Play the Daily Ticker

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

0.7%

D/E Ratio

Q4 2025

1.73

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

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2018	FY 2017
Revenue	$85.22B +5.6%	$80.72B +3.4%	$78.07B +3.6%	$75.34B +3.4%	$72.85B +0.6%	$72.44B
Net Income	$14.31B +12.8%	$12.68B +37.4%	$9.23B -37.8%	$14.85B -17.7%	$18.05B +365.4%	$-6.80B
EPS (Diluted)	$6.99 +17.7%	$5.94 +47.0%	$4.04 -42.3%	$7.00 +4.8%	$6.68 +324.2%	$-2.98
Total Assets	$2.66T +12.9%	$2.35T -2.4%	$2.41T -0.2%	$2.42T +26.1%	$1.92T +4.1%	$1.84T
Total Debt	$367.70B +9.5%	$335.81B +3.6%	$324.08B +1.7%	$318.70B +20.6%	$264.35B -6.0%	$281.16B
Operating Cash Flow	$-67.63B -243.9%	$-19.67B +73.2%	$-73.42B -392.9%	$25.07B -32.2%	$36.95B	—

AI Insight: C Financial Trends

Citigroup's revenue stalled in Q4 2025 while net income collapsed 34% year-over-year, masking modest debt stabilization.

• Revenue declined to $19.9B in Q4 2025 from $19.5B in Q4 2024, ending 2025 at lowest quarterly level despite $22.1B peak in Q3 2025.

• Net income fell to $2.5B in Q4 2025 from $2.9B in Q4 2024. Full-year 2025 average of $3.8B exceeded 2024 average of $3.2B.

• Total debt peaked at $373.3B in Q2 2025, declining to $367.7B by Q4 2025. Debt-to-equity ratio improved modestly from 1.75x to 1.73x.

⚠ Operating cash flow remains highly volatile: negative $36.6B (Q2 2025), then positive $26.6B (Q4 2025). Pattern suggests working capital strain.

⚠ Q4 2025 net income of $2.5B represents 14-year low in dataset and steepest sequential decline from Q3's $3.8B.

AI Insight: C Ratio Trends

Operating margin collapsed 5pp in Q4 2025, dragging TTM profitability metrics below 2024 baseline despite strong mid-2025 recovery.

• Operating margin surged from 21.6% (Q1 2024) to 25.2% (Q1 2025), then fell sharply to 19.2% in Q4 2025.

• ROE declined from 7.6% (Q1 2025) to 4.7% (Q4 2025); TTM ROE of 6.7% trails Q1 2024 at 6.5%.

• ROIC weakened to 2.6% in Q4 2025, lowest in series; Q1 2025 peak of 3.9% suggests deteriorating capital efficiency.

⚠ Q4 2025 profit compression mirrors Q4 2024 weakness; NPM halved from 18.8% (Q1 2025) to 12.4% (Q4 2025)—seasonal or structural?

⚠ Leverage stable at 1.73 D/E (TTM), but rising from 1.54 (Q1 2024); monitor capital actions if returns persist.

Get alerted when C's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

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.
$17.4B153,780,316 sh
VANGUARD CAPITAL MANAGEMENT LLC
$12.4B109,658,356 sh
STATE STREET CORP
$8.9B78,042,648 sh
GEODE CAPITAL MANAGEMENT, LLC
$4.8B42,312,782 sh
Capital World Investors
$4.6B40,720,859 sh
FRANKLIN RESOURCES INC
$4.4B38,971,315 sh
Fisher Asset Management, LLC
$4.0B35,218,996 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$3.7B32,457,746 sh
FMR LLC
$3.4B29,956,262 sh
MORGAN STANLEY
$3.2B27,842,086 sh

Fund	Value	Shares
BlackRock, Inc.	$17.4B	153,780,316
VANGUARD CAPITAL MANAGEMENT LLC	$12.4B	109,658,356
STATE STREET CORP	$8.9B	78,042,648
GEODE CAPITAL MANAGEMENT, LLC	$4.8B	42,312,782
Capital World Investors	$4.6B	40,720,859
FRANKLIN RESOURCES INC	$4.4B	38,971,315
Fisher Asset Management, LLC	$4.0B	35,218,996
VANGUARD PORTFOLIO MANAGEMENT LLC	$3.7B	32,457,746
FMR LLC	$3.4B	29,956,262
MORGAN STANLEY	$3.2B	27,842,086

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put C on your watchlist

Track score changes the day CITIGROUP INC files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

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.

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.