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Earnings transcript
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C
Citigroup Inc.
$122.71
-0.4
(-0.32%)
| Exchange: | NYSE |
| Market Cap: | 205.83B |
| Shares Outstanding: | 45.9M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – DiversifiedView industry performance | |||||
| CEO: | Jane Nind Fraser | |||||
| Full Time Employees: | 217000 | |||||
| Address: |
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| Website: | https://www.citigroup.com |
Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which offers cross-border support for clients, providing on-the-ground local market expertise, post-trade technologies, customized data solutions, and a wide range of securities services solutions that can be tailored to meet client needs. The Markets segment provides corporate, institutional, and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products, and commodities. The Banking segment offers Investment Banking and Corporate Lending services. The Wealth segment includes Private Bank, Wealth at Work, and Citigold and provides financial services to a range of client segments through banking, lending, mortgages, investment, custody, and trust product offerings. The USPB segment includes Branded Cards and Retail Services, which have proprietary card portfolios and co-branded card portfolios within Branded Cards, and co-brand and private label relationships within Retail Services. The All Other segment consists of activities not assigned to the reportable operating segments, including certain unallocated costs of global functions, other corporate expenses, and net treasury results. The company was founded in 1812 and is headquartered in New York, NY.
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Revenue Segmentation
Revenue by type
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C full analysis
Hey everyone, welcome back to another deep dive here on the channel. Today we're breaking down Citigroup, one of the big global banks that's been showing real signs of a turnaround. Let's jump right in. Citigroup has been delivering stronger results lately, with its second-quarter performance highlighting broad revenue growth across trading, investment banking, and services. The stock has seen some volatility on expense concerns, but the underlying franchise looks more resilient than it has in years. Citigroup operates as…
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 155,382,000 | 170,707,000 | 168,285,000 |
| Gross Profit | 67,901,000 | 71,120,000 | 75,047,000 |
| EBITDA | 17,470,000 | 21,357,000 | 24,201,000 |
| Operating Income | 12,910,000 | 17,046,000 | 19,828,000 |
| Net Income | 9,228,000 | 12,682,000 | 14,306,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 2,411,834,000 | 2,352,945,000 | 2,657,202,000 |
| Total Liabilities | 2,205,583,000 | 2,143,579,000 | 2,443,380,000 |
| Total Stockholders Equity | 205,453,000 | 208,598,000 | 212,291,000 |
| Total Debt | 602,183,000 | 590,560,000 | 715,803,000 |
| Cash and Cash Equivalents | 260,932,000 | 276,532,000 | 349,579,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | -73,416,000 | -19,669,000 | -67,632,000 |
| Capital Expenditure | -6,583,000 | -6,500,000 | 0 |
| Free Cash Flow | -79,999,000 | -26,169,000 | -67,632,000 |
| Net Income | 9,229,000 | 12,684,000 | 14,268,000 |
| Net Change in Cash | -81,093,000 | 15,600,000 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 110,697,540.422 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 115,678,309.231 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 113,458,000 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 48,472,194.723 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 51,052,956.145 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 49,902,513.502 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 33,007,469.885 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 34,952,732.074 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 34,085,580.018 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 25,953,953.691 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 27,121,736.124 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 26,601,166.265 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 18.300 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 18.770 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 17.720 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 6 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 11 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- No specific financial metrics, performance data, or positive indicators available in source to highlight.
- Earnings call transcript for Q2 2026 provides no extractable content or context.
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates C intrinsic value between $84.02 – $162.62 per share. This depends on revenue growth, margins, and discount rate.
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Common questions about C valuation
Is Citigroup Inc. (C) overvalued or undervalued right now?
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Is C a buy, hold, or sell for long-term investors?
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What is C’s P/E ratio?
You can see C’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for C?
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Is C a good long-term investment?
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C
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Daily snapshot
-0.32
Trading Metrics:
| Open: | 122.83 | Previous Close: | 123.1 | |
| Day Low: | 121.43 | Day High: | 122.91 | |
| Year Low: | 95.83 | Year High: | 147.96 | |
| Price Avg 50: | 129.84 | Price Avg 200: | 126.6 | |
| Volume: | 7.44M | Average Volume: | 10.375M |
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