Citigroup (C) Financials

$63.14 +1.50 (+2.43%)

As of 04/14/2025 03:58 PM Eastern

Annual Income Statements for Citigroup

This table shows Citigroup's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	17,242	14,912	-6,798	18,045	19,401	11,047	21,952	14,845	9,228	12,682
Consolidated Net Income / (Loss)	17,332	14,975	-6,738	18,080	19,467	11,087	22,025	14,934	9,381	12,833
Net Income / (Loss) Continuing Operations	17,386	15,033	-6,627	18,088	19,471	11,107	22,018	15,165	9,382	12,835
Total Pre-Tax Income	24,826	21,477	22,761	23,445	23,901	13,632	27,469	18,807	12,910	17,046
Total Revenue	76,354	70,797	72,444	72,986	75,067	75,501	71,884	75,837	78,462	81,139
Net Interest Income / (Expense)	46,630	45,476	45,061	46,562	48,128	44,751	42,494	48,668	54,900	54,095
Total Interest Income	58,551	57,988	61,579	70,828	76,510	58,089	50,475	74,408	133,258	143,713
Investment Securities Interest Income	58,551	57,988	61,579	70,828	76,510	58,089	50,475	74,408	133,258	143,713
Total Interest Expense	11,921	12,512	16,518	24,266	28,382	13,338	7,981	25,740	78,358	89,618
Long-Term Debt Interest Expense	11,921	12,512	16,518	24,266	28,382	13,338	7,981	25,740	78,358	89,618
Total Non-Interest Income	29,724	25,321	27,383	26,424	26,939	30,750	29,390	26,670	23,562	27,044
Other Service Charges	23,299	5,457	5,021	5,241	4,859	3,892	5,108	3,763	3,848	4,840
Net Realized & Unrealized Capital Gains on Investments	417	329	778	421	1,474	1,591	459	72	184	329
Investment Banking Income	-	11,678	12,707	11,857	11,746	11,385	13,672	9,175	8,905	10,653
Other Non-Interest Income	6,008	7,857	8,877	8,905	8,892	13,885	10,154	14,159	10,621	11,223
Provision for Credit Losses	7,913	6,982	7,503	7,354	8,310	17,495	-3,778	5,145	9,099	10,019
Total Non-Interest Expense	43,615	42,338	42,180	42,187	42,783	44,374	48,193	51,292	56,366	53,984
Salaries and Employee Benefits	21,769	20,970	21,181	21,154	21,433	22,214	25,134	26,655	29,232	28,542
Net Occupancy & Equipment Expense	9,459	9,243	9,362	9,517	9,405	9,716	10,142	10,907	11,614	11,473
Marketing Expense	1,547	1,632	1,608	1,545	1,516	1,217	1,490	1,556	1,393	1,113
Property & Liability Insurance Claims	-	-	109	101	73	-	-	94	87	90
Other Operating Expenses	10,840	10,493	9,920	9,870	10,429	11,227	11,427	12,174	13,346	12,597
Impairment Charge	-	-	-	-	32	-	-	499	323	431
Restructuring Charge	-	-	-	-	-	-	0.00	0.00	781	259
Income Tax Expense	7,440	6,444	29,388	5,357	4,430	2,525	5,451	3,642	3,528	4,211
Net Income / (Loss) Discontinued Operations	-54	-58	-111	-8.00	-4.00	-20	7.00	-231	-1.00	-2.00
Net Income / (Loss) Attributable to Noncontrolling Interest	90	63	60	35	66	40	73	89	153	151
Basic Earnings per Share	$5.41	$4.72	($2.98)	$6.69	$8.08	$4.74	$10.21	$7.04	$4.07	$6.03
Weighted Average Basic Shares Outstanding	3.00B	2.89B	2.70B	2.49B	2.25B	2.09B	2.03B	1.95B	1.93B	1.90B
Diluted Earnings per Share	$5.40	$4.72	($2.98)	$6.68	$8.04	$4.72	$10.14	$7.00	$4.04	$5.94
Weighted Average Diluted Shares Outstanding	3.01B	2.89B	2.70B	2.49B	2.27B	2.10B	2.05B	1.96B	1.96B	1.94B
Weighted Average Basic & Diluted Shares Outstanding	3.19B	3.16B	2.57B	2.70B	2.11B	2.09B	1.98B	1.94B	1.91B	1.88B
Cash Dividends to Common per Share	$0.16	$0.42	$0.96	$1.54	$1.92	$2.04	$2.04	$2.04	$2.08	$2.18

This table shows Citigroup's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	3,479	2,513	4,606	2,915	3,546	-1,839	3,371	3,217	3,238	2,856
Consolidated Net Income / (Loss)	3,509	2,534	4,651	2,951	3,587	-1,808	3,407	3,263	3,273	2,890
Net Income / (Loss) Continuing Operations	3,515	2,536	4,652	2,952	3,585	-1,807	3,408	3,263	3,274	2,890
Total Pre-Tax Income	4,394	3,176	6,183	4,042	4,788	-2,103	4,544	4,310	4,390	3,802
Total Revenue	18,508	18,505	21,447	19,436	20,139	17,440	21,104	20,139	20,315	19,581
Net Interest Income / (Expense)	12,563	13,270	13,348	13,900	13,828	13,824	13,507	13,493	13,362	13,733
Total Interest Income	19,919	25,708	29,395	32,647	34,837	36,379	36,223	35,987	36,456	35,047
Investment Securities Interest Income	19,919	25,708	29,395	32,647	34,837	36,379	36,223	35,987	36,456	35,047
Total Interest Expense	7,356	12,438	16,047	18,747	21,009	22,555	22,716	22,494	23,094	21,314
Total Non-Interest Income	5,945	4,736	8,099	5,536	6,311	3,616	7,597	6,646	6,953	5,848
Other Service Charges	1,215	532	1,809	897	1,149	-7.00	1,514	1,108	1,008	1,210
Net Realized & Unrealized Capital Gains on Investments	-39	275	-14	-22	-41	261	85	6.00	31	207
Investment Banking Income	2,139	2,016	2,366	2,132	2,195	2,212	2,724	2,662	2,695	2,572
Other Non-Interest Income	2,625	2,419	3,939	2,528	3,008	1,146	3,274	2,874	3,219	1,856
Provision for Credit Losses	1,365	2,225	1,975	1,824	1,894	3,406	2,365	2,476	2,570	2,608
Total Non-Interest Expense	12,749	12,511	13,289	13,570	13,457	16,050	14,195	13,353	13,355	13,081
Salaries and Employee Benefits	6,745	6,618	7,538	7,388	7,424	6,882	7,673	6,888	7,058	6,923
Net Occupancy & Equipment Expense	2,702	2,959	2,725	2,904	2,876	3,109	2,831	2,835	2,879	2,928
Marketing Expense	407	424	331	361	324	377	228	280	282	323
Other Operating Expenses	2,895	2,510	2,695	2,917	2,833	4,901	3,238	3,314	3,127	2,918
Restructuring Charge	-	-	0.00	0.00	0.00	781	225	36	9.00	-11
Income Tax Expense	879	640	1,531	1,090	1,203	-296	1,136	1,047	1,116	912
Net Income / (Loss) Attributable to Noncontrolling Interest	30	21	45	36	41	31	36	46	35	34
Basic Earnings per Share	$1.64	$1.17	$2.21	$1.34	$1.64	($1.12)	$1.59	$1.54	$1.53	$1.37
Weighted Average Basic Shares Outstanding	1.94B	1.95B	1.94B	1.94B	1.92B	1.93B	1.91B	1.91B	1.90B	1.90B
Diluted Earnings per Share	$1.63	$1.16	$2.19	$1.33	$1.63	($1.11)	$1.58	$1.52	$1.51	$1.33
Weighted Average Diluted Shares Outstanding	1.96B	1.96B	1.96B	1.97B	1.95B	1.96B	1.94B	1.95B	1.94B	1.94B
Weighted Average Basic & Diluted Shares Outstanding	1.94B	1.94B	1.95B	1.93B	1.91B	1.91B	1.91B	1.91B	1.89B	1.88B

This table details how cash moves in and out of Citigroup's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Change in Cash & Equivalents	-11,208	27,397	20,022	7,589	5,814	115,696	-47,582	79,992	-81,093	15,600
Net Cash From Operating Activities	22,387	38,705	-8,774	36,952	-12,837	-23,488	47,090	25,069	-73,416	-19,669
Net Cash From Continuing Operating Activities	39,737	53,733	-8,774	36,944	-12,841	-23,488	47,090	24,838	-73,416	-19,669
Net Income / (Loss) Continuing Operations	-54	-58	-6,687	18,045	19,401	11,067	21,945	15,076	9,229	12,684
Consolidated Net Income / (Loss)	-	-	-6,687	18,053	19,405	-	21,952	14,845	9,228	12,682
Depreciation Expense	3,506	3,720	3,659	3,754	3,905	3,937	3,964	4,262	4,560	4,311
Non-Cash Adjustments to Reconcile Net Income	-7,383	7,728	20,632	-8,095	15,513	-2,678	-13,905	-19,061	2,996	12,258
Changes in Operating Assets and Liabilities, net	19,210	20,566	-33,881	15,773	-59,970	-53,182	35,086	24,792	-90,201	-48,922
Net Cash From Investing Activities	33,812	-54,135	-38,751	-73,118	-23,374	-92,445	-110,746	-79,455	-8,459	86,250
Net Cash From Continuing Investing Activities	14,883	-54,135	-38,751	-73,118	-23,374	-92,445	-110,746	-79,455	-8,459	86,250
Purchase of Property, Leasehold Improvements and Equipment	-3,198	-2,756	-3,361	-3,774	-5,336	-3,446	-4,119	-5,632	-6,583	-6,500
Purchase of Investment Securities	-241,009	-251,163	-243,802	-219,695	-296,957	-318,138	-343,603	-278,241	-281,037	-288,579
Sale and/or Maturity of Investments	249,192	216,657	200,666	150,037	259,557	229,139	236,976	198,677	280,554	381,329
Other Investing Activities, net	-	-	-	-	-	-	0.00	5,741	-1,393	0.00
Net Cash From Financing Activities	-64,773	28,292	66,854	44,528	42,933	233,595	17,272	137,763	687	-38,304
Net Cash From Continuing Financing Activities	-64,773	28,292	66,854	44,528	42,933	233,595	17,272	137,763	687	-38,304
Net Change in Deposits	8,555	24,394	30,416	53,348	57,420	210,081	44,966	68,415	-57,273	-24,223
Issuance of Debt	44,619	63,806	81,711	60,655	71,837	76,458	70,658	104,748	65,819	99,075
Issuance of Preferred Equity	6,227	2,498	0.00	0.00	1,496	2,995	3,300	0.00	2,739	5,282
Repayment of Debt	-90,099	-45,838	-40,986	-70,238	-51,029	-78,937	-76,491	-37,962	-74,598	-81,909
Repurchase of Preferred Equity	-	-	0.00	-793	-1,980	-1,500	-3,785	0.00	-4,145	-5,050
Repurchase of Common Equity	-5,452	-9,290	-14,541	-14,433	-17,571	-2,925	-7,601	-3,250	-1,977	-2,474
Payment of Dividends	-1,253	-2,287	-3,797	-5,020	-5,447	-5,352	-5,198	-5,003	-5,212	-5,199
Other Financing Activities, Net	-27,370	-4,991	14,051	21,009	-11,793	32,775	-8,577	10,815	75,334	-23,806
Effect of Exchange Rate Changes	-	-	693	-773	-908	-1,966	-1,198	-3,385	95	-12,677
Cash Interest Paid	12,031	12,067	15,675	22,963	27,901	12,094	7,143	22,615	72,989	88,027
Cash Income Taxes Paid	4,978	4,359	2,083	4,313	4,888	4,797	4,028	3,733	5,727	5,798

This table details how cash moves in and out of Citigroup's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	15,577	42,418	-18,066	-27,051	-42,921	6,945	11,798	-26,596	56,960	-26,562
Net Cash From Operating Activities	-1,988	12,813	-30,485	-54,059	15,794	-4,666	-10,831	-16,960	-16,674	24,796
Net Cash From Continuing Operating Activities	-2,446	13,040	-30,485	-54,059	15,794	-4,666	-10,831	-16,960	-16,674	24,796
Net Income / (Loss) Continuing Operations	3,485	2,515	4,607	2,916	3,544	-1,838	3,372	3,217	3,239	2,856
Consolidated Net Income / (Loss)	3,479	2,513	4,606	2,915	3,546	-1,839	3,371	3,217	3,238	2,856
Depreciation Expense	1,065	1,108	1,111	1,136	1,141	1,172	1,110	1,101	1,081	1,019
Non-Cash Adjustments to Reconcile Net Income	-1,558	-540	1,905	2,152	395	-1,456	4,384	2,792	-5,718	10,800
Changes in Operating Assets and Liabilities, net	-4,980	9,730	-38,108	-60,263	10,714	-2,544	-19,697	-24,070	-15,276	10,121
Net Cash From Investing Activities	17,566	-36,207	-3,073	45,790	-12,710	-38,466	14,844	12,269	51,388	7,749
Net Cash From Continuing Investing Activities	17,566	-36,207	-3,073	45,790	-12,710	-38,466	14,844	12,269	51,388	7,749
Purchase of Property, Leasehold Improvements and Equipment	-1,202	-1,965	-1,634	-1,491	-1,693	-1,765	-1,607	-1,644	-1,561	-1,688
Purchase of Investment Securities	-49,747	-55,818	-50,329	-73,363	-65,929	-91,416	-61,934	-80,300	-61,846	-84,499
Sale and/or Maturity of Investments	67,213	19,077	48,919	120,644	56,049	54,942	78,385	94,213	114,795	93,936
Net Cash From Financing Activities	1,123	66,195	15,766	-16,847	-43,965	45,733	12,351	-18,740	15,391	-47,306
Net Cash From Continuing Financing Activities	1,123	66,195	15,766	-16,847	-43,965	45,733	12,351	-18,740	15,391	-47,306
Net Change in Deposits	-16,413	59,468	-35,495	-10,592	-46,361	35,175	-1,518	-29,026	31,862	-25,541
Issuance of Debt	32,469	-106	8,832	17,191	21,012	18,784	14,865	34,455	32,726	17,029
Issuance of Preferred Equity	-	-	1,245	-	1,494	-	548	1,743	1,495	1,496
Repayment of Debt	-18,572	9,049	-12,471	-23,513	-14,312	-24,302	-20,137	-29,108	-18,284	-14,380
Repurchase of Common Equity	-50	-	0.00	-1,000	-429	-548	-413	-111	-982	-968
Payment of Dividends	-1,263	-1,226	-1,267	-1,280	-1,352	-1,313	-1,291	-1,252	-1,342	-1,314
Other Financing Activities, Net	4,952	-990	54,922	2,347	-3,267	21,332	20,847	5,809	-26,834	-23,628
Effect of Exchange Rate Changes	-1,124	-383	-274	-1,935	-2,040	4,344	-4,566	-3,165	6,855	-11,801
Cash Interest Paid	6,273	10,058	14,358	17,445	20,070	21,116	22,115	22,064	22,973	20,875
Cash Income Taxes Paid	1,023	1,049	1,593	1,438	1,040	1,656	1,457	1,724	1,283	1,334

This table presents Citigroup's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	2,074,165	2,145,381	190,417	1,917,383	1,951,158	2,260,090	2,291,413	2,416,676	2,411,834	2,352,945
Cash and Due from Banks	20,900	23,043	23,775	23,645	23,967	26,349	27,515	30,577	27,342	22,782
Federal Funds Sold	219,675	236,813	-	270,684	251,322	294,712	327,288	365,401	345,700	274,062
Interest Bearing Deposits at Other Banks	112,197	137,451	156,741	164,460	169,952	283,266	234,518	311,448	233,590	253,750
Trading Account Securities	584,170	597,229	-	614,724	644,703	822,438	844,767	860,696	930,841	919,404
Loans and Leases, Net of Allowance	604,991	612,309	-12,355	671,881	0.00	650,927	-16,455	640,247	671,217	675,914
Loans and Leases	617,617	624,369	-	684,196	-	650,927	-	657,221	689,362	694,488
Allowance for Loan and Lease Losses	12,626	12,060	12,355	12,315	-	-	16,455	16,974	18,145	18,574
Premises and Equipment, Net	-	-	-	-	-	-	24,328	26,253	28,747	30,192
Goodwill	22,349	21,659	22,256	22,046	22,126	22,162	21,299	19,691	20,098	19,300
Intangible Assets	3,721	5,114	-	5,220	4,822	4,747	4,495	4,428	4,421	4,494
Other Assets	506,162	511,763	-	144,723	834,266	155,489	807,203	157,935	149,878	153,047
Total Liabilities & Shareholders' Equity	1,731,210	1,792,077	0.00	1,917,383	1,951,158	2,260,090	2,291,413	2,416,676	2,411,834	2,352,945
Total Liabilities	1,508,118	1,565,934	0.00	1,720,309	1,757,212	2,059,890	2,088,741	2,214,838	2,205,583	2,143,579
Non-Interest Bearing Deposits	210,826	214,314	-	186,484	184,503	227,485	1,317,230	1,365,954	1,308,681	1,284,458
Federal Funds Purchased and Securities Sold	146,496	141,821	-	177,768	166,339	199,525	191,285	202,444	278,107	254,755
Short-Term Debt	74,801	87,853	-	96,917	93,650	79,998	89,403	116,314	100,996	115,106
Long-Term Debt	201,275	206,178	-	231,999	248,760	271,686	254,374	271,606	286,619	287,300
Other Long-Term Liabilities	177,659	200,676	-	200,455	177,873	228,010	236,449	258,520	231,180	201,960
Total Equity & Noncontrolling Interests	223,092	226,143	0.00	197,074	193,946	200,200	202,672	201,838	206,251	209,366
Total Preferred & Common Equity	221,857	225,120	0.00	196,220	193,242	199,442	201,972	201,189	205,453	208,598
Preferred Stock	16,718	19,253	-	18,460	17,980	19,480	18,995	18,995	17,600	17,850
Total Common Equity	205,139	205,867	0.00	177,760	175,262	179,962	182,977	182,194	187,853	190,748
Common Stock	108,319	108,073	-	107,953	107,871	107,877	108,034	108,489	108,986	109,148
Retained Earnings	133,841	146,477	-	151,347	165,369	168,272	184,948	194,734	198,905	206,294
Treasury Stock	-7,677	-16,302	-	-44,370	-61,660	-64,129	-71,240	-73,967	-75,238	-76,842
Accumulated Other Comprehensive Income / (Loss)	-29,344	-32,381	-	-37,170	-36,318	-32,058	-38,765	-47,062	-44,800	-47,852
Noncontrolling Interest	1,235	1,023	-	854	704	758	700	649	798	768

This table presents Citigroup's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Total Assets	2,381,064	2,416,676	2,455,113	2,423,675	2,368,477	2,411,834	2,432,510	2,405,686	2,430,663	2,352,945
Cash and Due from Banks	26,502	30,577	26,224	25,763	26,548	27,342	25,174	26,917	25,266	22,782
Federal Funds Sold	349,214	365,401	384,198	337,103	335,059	345,700	344,264	317,970	285,928	274,062
Interest Bearing Deposits at Other Banks	273,105	311,448	-	-	-	233,590	-	-	-	253,750
Trading Account Securities	866,276	860,696	896,484	668,268	915,366	930,841	946,651	954,615	948,743	919,404
Loans and Leases, Net of Allowance	0.00	640,247	634,826	643,116	648,719	671,217	656,282	669,506	670,566	675,914
Loans and Leases	-	657,221	651,995	660,612	666,348	689,362	674,578	687,722	688,922	694,488
Allowance for Loan and Lease Losses	-	16,974	17,169	17,496	17,629	18,145	18,296	18,216	18,356	18,574
Premises and Equipment, Net	-	26,253	27,119	27,818	27,959	28,747	29,188	29,399	30,096	30,192
Goodwill	19,326	19,691	19,882	19,998	19,829	20,098	20,042	19,704	19,691	19,300
Intangible Assets	4,485	4,428	4,632	4,576	4,540	4,421	4,338	4,226	4,121	4,494
Other Assets	858,465	157,935	461,748	697,033	390,457	149,878	406,571	383,349	446,252	153,047
Total Liabilities & Shareholders' Equity	2,381,064	2,416,676	2,455,113	2,423,675	2,368,477	2,411,834	2,432,510	2,405,686	2,430,663	2,352,945
Total Liabilities	2,181,947	2,214,838	2,246,094	2,214,253	2,158,282	2,205,583	2,225,112	2,196,542	2,220,761	2,143,579
Non-Interest Bearing Deposits	234,418	1,365,954	1,330,459	1,319,867	1,273,506	1,308,681	1,307,163	1,278,137	1,309,999	1,284,458
Federal Funds Purchased and Securities Sold	203,429	202,444	257,681	260,035	256,770	278,107	299,387	305,206	278,377	254,755
Short-Term Debt	135,209	116,314	116,895	109,863	118,242	100,996	104,923	112,315	122,526	115,106
Long-Term Debt	253,068	271,606	279,684	274,510	275,760	286,619	285,495	280,321	299,081	287,300
Other Long-Term Liabilities	283,755	258,520	261,375	249,978	234,004	231,180	228,144	220,563	210,778	201,960
Total Equity & Noncontrolling Interests	199,117	201,838	209,019	209,422	210,195	206,251	207,398	209,144	209,902	209,366
Total Preferred & Common Equity	198,560	201,189	208,295	208,719	209,503	205,453	206,585	208,310	209,083	208,598
Preferred Stock	18,995	18,995	20,245	20,245	19,495	17,600	17,600	18,100	16,350	17,850
Total Common Equity	179,565	182,194	188,050	188,474	190,008	187,853	188,985	190,210	192,733	190,748
Common Stock	108,378	108,489	108,400	108,610	108,788	108,986	108,623	108,816	109,000	109,148
Retained Earnings	193,462	194,734	198,353	199,976	202,135	198,905	200,956	202,913	204,770	206,294
Treasury Stock	-73,977	-73,967	-73,262	-74,247	-74,738	-75,238	-74,865	-74,842	-75,840	-76,842
Accumulated Other Comprehensive Income / (Loss)	-48,298	-47,062	-45,441	-45,865	-46,177	-44,800	-45,729	-46,677	-45,197	-47,852
Noncontrolling Interest	557	649	724	703	692	798	813	834	819	768

This table displays calculated financial ratios and metrics derived from Citigroup's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-1.12%	-7.28%	2.33%	0.75%	2.85%	0.58%	-4.79%	5.50%	3.46%	3.41%
EBITDA Growth	53.15%	-11.07%	4.85%	2.95%	2.50%	-36.98%	78.91%	-24.72%	-25.80%	22.16%
EBIT Growth	68.87%	-13.49%	5.98%	3.01%	2.26%	-43.14%	101.50%	-29.37%	-33.01%	31.85%
NOPAT Growth	131.69%	-13.53%	-144.08%	372.94%	7.65%	-42.96%	98.24%	-31.12%	-38.13%	36.80%
Net Income Growth	131.03%	-13.60%	-145.00%	368.33%	7.67%	-43.05%	98.66%	-32.20%	-37.18%	36.80%
EPS Growth	145.45%	-12.59%	-163.14%	324.16%	20.36%	-41.29%	114.83%	-30.97%	-42.29%	47.03%
Operating Cash Flow Growth	-42.64%	72.89%	-122.67%	521.15%	-134.74%	-82.97%	300.49%	-46.76%	-392.86%	73.21%
Free Cash Flow Firm Growth	-5,925.79%	98.20%	4,244.31%	-146.94%	102.87%	-148.56%	720.97%	-202.52%	118.74%	-196.15%
Invested Capital Growth	1,110.35%	3.72%	-78.20%	176.23%	1.97%	2.90%	-0.98%	7.93%	0.70%	3.02%
Revenue Q/Q Growth	0.73%	-0.73%	-0.59%	-0.47%	2.72%	-1.88%	-0.94%	2.00%	-0.72%	2.71%
EBITDA Q/Q Growth	13.21%	1.71%	-0.25%	0.73%	2.11%	-1.80%	-4.78%	-0.15%	-22.61%	37.44%
EBIT Q/Q Growth	15.59%	1.38%	0.00%	0.80%	2.09%	-2.39%	-5.22%	-0.81%	-28.54%	53.81%
NOPAT Q/Q Growth	21.04%	1.25%	-142.13%	463.07%	3.70%	-5.72%	-4.95%	-4.07%	-31.64%	57.72%
Net Income Q/Q Growth	20.75%	1.55%	-142.85%	455.14%	3.72%	-5.65%	-4.97%	-4.14%	-31.64%	57.75%
EPS Q/Q Growth	21.90%	2.39%	-157.42%	435.68%	6.77%	-4.65%	-3.80%	-4.89%	-35.97%	69.71%
Operating Cash Flow Q/Q Growth	-26.46%	227.09%	-240.16%	0.27%	54.91%	-8,897.00%	-18.74%	15,470.81%	-31.25%	59.97%
Free Cash Flow Firm Q/Q Growth	-1,650.77%	95.41%	5,123.65%	-185.32%	-56.94%	55.59%	-16.08%	-30.79%	271.35%	73.55%
Invested Capital Q/Q Growth	62.63%	-1.65%	-79.24%	-2.64%	-0.28%	-1.38%	-0.66%	0.40%	-1.71%	-3.13%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	37.11%	35.59%	36.47%	37.27%	37.14%	23.27%	43.73%	31.20%	22.38%	26.43%
EBIT Margin	32.51%	30.34%	31.42%	32.12%	31.94%	18.06%	38.21%	25.58%	16.56%	21.12%
Profit (Net Income) Margin	22.70%	21.15%	-9.30%	24.77%	25.93%	14.68%	30.64%	19.69%	11.96%	15.82%
Tax Burden Percent	69.81%	69.73%	-29.60%	77.12%	81.45%	81.33%	80.18%	79.41%	72.66%	75.28%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	99.70%	100.00%	100.00%	96.94%	99.33%	99.47%
Effective Tax Rate	29.97%	30.00%	129.12%	22.85%	18.53%	18.52%	19.84%	19.37%	27.33%	24.70%
Return on Invested Capital (ROIC)	4.58%	1.75%	-1.25%	5.05%	3.67%	2.04%	4.01%	2.67%	1.59%	2.13%
ROIC Less NNEP Spread (ROIC-NNEP)	4.55%	1.74%	-1.27%	5.05%	3.66%	2.04%	4.01%	2.61%	1.59%	2.13%
Return on Net Nonoperating Assets (RNNOA)	3.39%	4.91%	-4.71%	13.30%	6.29%	3.58%	6.92%	4.71%	3.01%	4.05%
Return on Equity (ROE)	7.97%	6.67%	-5.96%	18.35%	9.96%	5.63%	10.93%	7.38%	4.60%	6.18%
Cash Return on Invested Capital (CROIC)	-107.83%	-1.90%	127.16%	-88.63%	1.71%	-0.81%	5.00%	-4.95%	0.89%	-0.84%
Operating Return on Assets (OROA)	1.51%	1.02%	1.95%	2.22%	1.24%	0.65%	1.21%	0.82%	0.54%	0.72%
Return on Assets (ROA)	1.05%	0.71%	-0.58%	1.72%	1.01%	0.53%	0.97%	0.63%	0.39%	0.54%
Return on Common Equity (ROCE)	7.42%	6.10%	-5.42%	16.55%	8.99%	5.07%	9.85%	6.67%	4.17%	5.63%
Return on Equity Simple (ROE_SIMPLE)	7.81%	6.65%	0.00%	9.21%	10.07%	5.56%	10.91%	7.42%	4.57%	6.15%
Net Operating Profit after Tax (NOPAT)	17,386	15,033	-6,627	18,088	19,471	11,107	22,018	15,165	9,382	12,835
NOPAT Margin	22.77%	21.23%	-9.15%	24.78%	25.94%	14.71%	30.63%	20.00%	11.96%	15.82%
Net Nonoperating Expense Percent (NNEP)	0.03%	0.01%	0.03%	0.00%	0.00%	0.01%	0.00%	0.06%	0.00%	0.00%
SG&A Expenses to Revenue	42.93%	44.98%	44.38%	44.14%	43.10%	43.90%	51.15%	51.58%	53.83%	50.69%
Operating Expenses to Revenue	57.12%	59.80%	58.22%	57.80%	56.99%	58.77%	67.04%	67.63%	71.84%	66.53%
Earnings before Interest and Taxes (EBIT)	24,826	21,477	22,761	23,445	23,974	13,632	27,469	19,400	12,997	17,136
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	28,332	25,197	26,420	27,199	27,879	17,569	31,433	23,662	17,557	21,447
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.58	0.64	0.00	0.58	0.83	0.62	0.59	0.44	0.50	0.69
Price to Tangible Book Value (P/TBV)	0.67	0.74	0.00	0.68	0.98	0.73	0.68	0.51	0.58	0.79
Price to Revenue (P/Rev)	1.56	1.87	2.15	1.41	1.94	1.47	1.49	1.06	1.20	1.63
Price to Earnings (P/E)	6.93	8.88	0.00	5.71	7.49	10.08	4.88	5.40	10.22	10.43
Dividend Yield	0.40%	0.90%	1.63%	3.65%	2.88%	3.81%	3.78%	4.93%	4.22%	3.12%
Earnings Yield	14.44%	11.26%	0.00%	17.51%	13.34%	9.92%	20.50%	18.52%	9.79%	9.59%
Enterprise Value to Invested Capital (EV/IC)	0.07	0.06	0.00	0.00	0.11	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.79	0.70	0.00	0.00	0.82	0.00	0.00	0.00	0.00	0.03
Enterprise Value to EBITDA (EV/EBITDA)	2.14	1.96	0.00	0.00	2.20	0.00	0.00	0.00	0.00	0.12
Enterprise Value to EBIT (EV/EBIT)	2.44	2.30	0.00	0.00	2.56	0.00	0.00	0.00	0.00	0.15
Enterprise Value to NOPAT (EV/NOPAT)	3.49	3.29	0.00	0.00	3.15	0.00	0.00	0.00	0.00	0.21
Enterprise Value to Operating Cash Flow (EV/OCF)	2.71	1.28	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	6.73	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.24	1.30	0.00	1.67	1.77	1.76	1.70	1.92	1.88	1.92
Long-Term Debt to Equity	0.90	0.91	0.00	1.18	1.28	1.36	1.26	1.35	1.39	1.37
Financial Leverage	0.75	2.82	3.70	2.64	1.72	1.76	1.73	1.81	1.90	1.90
Leverage Ratio	7.56	9.39	10.33	10.70	9.89	10.68	11.30	11.64	11.83	11.46
Compound Leverage Factor	7.56	9.39	10.33	10.70	9.86	10.68	11.30	11.28	11.75	11.40
Debt to Total Capital	55.31%	56.53%	0.00%	62.53%	63.84%	63.72%	62.91%	65.78%	65.27%	65.78%
Short-Term Debt to Total Capital	14.99%	16.89%	0.00%	18.43%	17.46%	14.50%	16.36%	19.72%	17.01%	18.82%
Long-Term Debt to Total Capital	40.32%	39.64%	0.00%	44.11%	46.38%	49.23%	46.55%	46.05%	48.26%	46.96%
Preferred Equity to Total Capital	3.35%	3.70%	0.00%	3.51%	3.35%	3.53%	3.48%	3.22%	2.96%	2.92%
Noncontrolling Interests to Total Capital	0.25%	0.20%	0.00%	0.16%	0.13%	0.14%	0.13%	0.11%	0.13%	0.13%
Common Equity to Total Capital	41.10%	39.58%	0.00%	33.80%	32.68%	32.61%	33.48%	30.89%	31.63%	31.18%
Debt to EBITDA	9.74	11.67	0.00	12.09	12.28	20.02	10.94	16.39	22.08	18.76
Net Debt to EBITDA	-2.71	-4.10	0.00	-4.77	-3.69	-14.38	-7.81	-13.50	-12.47	-6.91
Long-Term Debt to EBITDA	7.10	8.18	0.00	8.53	8.92	15.46	8.09	11.48	16.33	13.40
Debt to NOPAT	15.88	19.56	0.00	18.18	17.59	31.66	15.61	25.58	41.31	31.35
Net Debt to NOPAT	-4.41	-6.87	0.00	-7.18	-5.28	-22.75	-11.15	-21.07	-23.34	-11.55
Long-Term Debt to NOPAT	11.58	13.72	0.00	12.83	12.78	24.46	11.55	17.91	30.55	22.38
Noncontrolling Interest Sharing Ratio	6.88%	8.51%	8.97%	9.80%	9.72%	9.88%	9.91%	9.73%	9.32%	8.91%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-908,087	-16,322	676,434	-317,485	9,105	-4,421	27,453	-28,144	5,274	-5,071
Operating Cash Flow to CapEx	700.03%	1,404.39%	-261.05%	979.12%	-240.57%	-681.60%	1,143.24%	445.12%	-1,115.24%	-302.60%
Free Cash Flow to Firm to Interest Expense	-76.18	-1.30	40.95	-13.08	0.32	-0.33	3.44	-1.09	0.07	-0.06
Operating Cash Flow to Interest Expense	1.88	3.09	-0.53	1.52	-0.45	-1.76	5.90	0.97	-0.94	-0.22
Operating Cash Flow Less CapEx to Interest Expense	1.61	2.87	-0.73	1.37	-0.64	-2.02	5.38	0.76	-1.02	-0.29
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.03	0.06	0.07	0.04	0.04	0.03	0.03	0.03	0.03
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.00	2.85	2.75
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	842,123	873,478	190,417	525,990	536,356	551,884	546,449	589,758	593,866	611,772
Invested Capital Turnover	0.20	0.08	0.14	0.20	0.14	0.14	0.13	0.13	0.13	0.13
Increase / (Decrease) in Invested Capital	925,473	31,355	-683,061	335,573	10,366	15,528	-5,435	43,309	4,108	17,906
Enterprise Value (EV)	60,658	49,385	-24,492	-7,500	61,256	-121,067	-118,747	-219,687	-106,355	2,641
Market Capitalization	119,401	132,385	156,024	103,059	145,403	111,338	107,102	80,175	94,264	132,211
Book Value per Share	$68.86	$72.24	$0.00	$72.79	$80.28	$86.44	$92.21	$94.07	$98.15	$100.86
Tangible Book Value per Share	$60.11	$62.85	($8.42)	$61.62	$67.93	$73.51	$79.21	$81.61	$85.34	$88.28
Total Capital	499,168	520,174	0.00	525,990	536,356	551,884	546,449	589,758	593,866	611,772
Total Debt	276,076	294,031	0.00	328,916	342,410	351,684	343,777	387,920	387,615	402,406
Total Long-Term Debt	201,275	206,178	0.00	231,999	248,760	271,686	254,374	271,606	286,619	287,300
Net Debt	-76,696	-103,276	-180,516	-129,873	-102,831	-252,643	-245,544	-319,506	-219,017	-148,188
Capital Expenditures (CapEx)	3,198	2,756	3,361	3,774	5,336	3,446	4,119	5,632	6,583	6,500
Net Nonoperating Expense (NNE)	54	58	111	8.00	4.00	20	-7.00	231	1.00	2.00
Net Nonoperating Obligations (NNO)	619,031	647,335	190,417	328,916	342,410	351,684	343,777	387,920	387,615	402,406
Total Depreciation and Amortization (D&A)	3,506	3,720	3,659	3,754	3,905	3,937	3,964	4,262	4,560	4,311
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$5.41	$4.72	($2.98)	$6.69	$8.08	$4.74	$10.21	$7.04	$4.07	$6.03
Adjusted Weighted Average Basic Shares Outstanding	3.00B	2.89B	2.70B	2.49B	2.25B	2.09B	2.03B	1.95B	1.93B	1.90B
Adjusted Diluted Earnings per Share	$5.40	$4.72	($2.98)	$6.68	$8.04	$4.72	$10.14	$7.00	$4.04	$5.94
Adjusted Weighted Average Diluted Shares Outstanding	3.01B	2.89B	2.70B	2.49B	2.27B	2.10B	2.05B	1.96B	1.96B	1.94B
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$8.08	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	2.95B	2.77B	2.57B	2.35B	2.11B	2.09B	1.98B	1.94B	1.91B	1.88B
Normalized Net Operating Profit after Tax (NOPAT)	17,386	15,033	15,933	18,088	19,497	11,107	22,018	15,567	10,184	13,355
Normalized NOPAT Margin	22.77%	21.23%	21.99%	24.78%	25.97%	14.71%	30.63%	20.53%	12.98%	16.46%
Pre Tax Income Margin	32.51%	30.34%	31.42%	32.12%	31.84%	18.06%	38.21%	24.80%	16.45%	21.01%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.08	1.72	1.38	0.97	0.84	1.02	3.44	0.75	0.17	0.19
NOPAT to Interest Expense	1.46	1.20	-0.40	0.75	0.69	0.83	2.76	0.59	0.12	0.14
EBIT Less CapEx to Interest Expense	1.81	1.50	1.17	0.81	0.66	0.76	2.93	0.53	0.08	0.12
NOPAT Less CapEx to Interest Expense	1.19	0.98	-0.60	0.59	0.50	0.57	2.24	0.37	0.04	0.07
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	7.23%	15.27%	-56.35%	27.77%	27.98%	48.27%	23.60%	33.50%	55.56%	40.51%
Augmented Payout Ratio	38.69%	77.31%	-272.16%	107.59%	118.24%	74.66%	58.11%	55.26%	76.63%	59.79%

This table displays calculated financial ratios and metrics derived from Citigroup's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.08%	8.74%	11.78%	-1.03%	8.81%	-5.76%	-1.60%	3.62%	0.87%	12.28%
EBITDA Growth	-21.10%	-0.73%	16.13%	-26.50%	8.61%	-117.31%	-22.48%	4.50%	-7.72%	681.87%
EBIT Growth	-25.32%	-4.05%	17.41%	-32.31%	8.97%	-153.49%	-26.51%	6.63%	-8.31%	293.06%
NOPAT Growth	-24.72%	-20.23%	7.56%	-38.36%	1.99%	-158.05%	-26.74%	10.54%	-8.68%	296.32%
Net Income Growth	-24.83%	-20.29%	7.59%	-35.40%	2.22%	-171.35%	-26.75%	10.57%	-8.75%	259.85%
EPS Growth	-24.19%	-23.68%	8.42%	-39.27%	0.00%	-195.69%	-27.85%	14.29%	-7.36%	219.82%
Operating Cash Flow Growth	-105.58%	205.94%	-229.67%	-330.13%	894.47%	-136.42%	64.47%	68.63%	-205.57%	631.42%
Free Cash Flow Firm Growth	-337.82%	-573.33%	-61.27%	108.99%	60.91%	86.31%	141.18%	-272.59%	-81.86%	-169.10%
Invested Capital Growth	6.79%	7.93%	5.55%	0.04%	2.86%	0.70%	-1.29%	1.34%	4.52%	3.02%
Revenue Q/Q Growth	-5.75%	-0.02%	19.11%	-9.38%	3.62%	-13.40%	21.01%	-4.57%	0.87%	-3.61%
EBITDA Q/Q Growth	-22.51%	-10.66%	70.26%	-29.01%	14.50%	-114.24%	707.30%	-4.30%	1.11%	-10.24%
EBIT Q/Q Growth	-26.41%	-14.22%	94.68%	-34.63%	18.46%	-142.11%	316.07%	-5.15%	1.86%	-11.34%
NOPAT Q/Q Growth	-26.60%	-27.85%	83.44%	-36.54%	21.44%	-141.06%	331.51%	-4.25%	0.34%	-11.73%
Net Income Q/Q Growth	-23.18%	-27.79%	83.54%	-36.55%	21.55%	-150.40%	288.44%	-4.23%	0.31%	-11.70%
EPS Q/Q Growth	-25.57%	-28.83%	88.79%	-39.27%	22.56%	-168.10%	242.34%	-3.80%	-0.66%	-11.92%
Operating Cash Flow Q/Q Growth	-108.46%	744.52%	-337.92%	-77.33%	129.22%	-129.54%	-132.13%	-56.59%	1.69%	248.71%
Free Cash Flow Firm Q/Q Growth	-11.12%	-20.59%	33.36%	110.07%	-583.11%	57.78%	300.53%	-142.20%	-409.06%	37.53%
Invested Capital Q/Q Growth	-1.04%	0.40%	2.69%	-1.95%	1.75%	-1.71%	0.67%	0.66%	4.94%	-3.13%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	29.50%	26.36%	34.01%	26.64%	29.44%	-4.84%	26.79%	26.87%	26.93%	25.08%
EBIT Margin	23.74%	20.37%	28.83%	20.80%	23.77%	-11.56%	21.53%	21.40%	21.61%	19.88%
Profit (Net Income) Margin	18.96%	13.69%	21.69%	15.18%	17.81%	-10.37%	16.14%	16.20%	16.11%	14.76%
Tax Burden Percent	79.86%	79.79%	75.22%	73.01%	74.92%	85.97%	74.98%	75.71%	74.56%	76.01%
Interest Burden Percent	100.00%	84.27%	100.00%	100.00%	100.00%	104.32%	100.00%	100.00%	100.00%	97.69%
Effective Tax Rate	20.00%	20.15%	24.76%	26.97%	25.13%	0.00%	25.00%	24.29%	25.42%	23.99%
Return on Invested Capital (ROIC)	2.48%	1.83%	2.85%	1.98%	2.36%	-1.12%	2.10%	2.14%	2.06%	1.99%
ROIC Less NNEP Spread (ROIC-NNEP)	2.48%	1.83%	2.85%	1.98%	2.36%	-1.21%	2.10%	2.14%	2.06%	1.99%
Return on Net Nonoperating Assets (RNNOA)	4.56%	3.31%	5.41%	3.77%	4.51%	-2.29%	3.96%	3.97%	4.00%	3.78%
Return on Equity (ROE)	7.04%	5.14%	8.26%	5.75%	6.87%	-3.41%	6.06%	6.10%	6.06%	5.76%
Cash Return on Invested Capital (CROIC)	-3.78%	-4.95%	-2.77%	2.26%	-0.52%	0.89%	2.65%	0.08%	-3.10%	-0.84%
Operating Return on Assets (OROA)	0.74%	0.66%	0.92%	0.67%	0.79%	-0.38%	0.69%	0.70%	0.71%	0.68%
Return on Assets (ROA)	0.59%	0.44%	0.69%	0.49%	0.59%	-0.34%	0.52%	0.53%	0.53%	0.50%
Return on Common Equity (ROCE)	6.37%	4.64%	7.44%	5.18%	6.21%	-3.09%	5.49%	5.52%	5.52%	5.25%
Return on Equity Simple (ROE_SIMPLE)	7.85%	0.00%	7.33%	6.54%	6.55%	0.00%	3.94%	4.06%	3.89%	0.00%
Net Operating Profit after Tax (NOPAT)	3,515	2,536	4,652	2,952	3,585	-1,472	3,408	3,263	3,274	2,890
NOPAT Margin	18.99%	13.70%	21.69%	15.19%	17.80%	-8.44%	16.15%	16.20%	16.12%	14.76%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.09%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	53.24%	54.04%	49.40%	54.81%	52.75%	59.45%	50.85%	49.67%	50.30%	51.96%
Operating Expenses to Revenue	68.88%	67.61%	61.96%	69.82%	66.82%	92.03%	67.26%	66.30%	65.74%	66.80%
Earnings before Interest and Taxes (EBIT)	4,394	3,769	6,183	4,042	4,788	-2,016	4,544	4,310	4,390	3,892
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	5,459	4,877	7,294	5,178	5,929	-844	5,654	5,411	5,471	4,911
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.41	0.44	0.46	0.45	0.40	0.50	0.63	0.63	0.61	0.69
Price to Tangible Book Value (P/TBV)	0.48	0.51	0.52	0.52	0.46	0.58	0.72	0.72	0.70	0.79
Price to Revenue (P/Rev)	1.00	1.06	1.10	1.10	0.95	1.20	1.52	1.52	1.50	1.63
Price to Earnings (P/E)	4.78	5.40	5.65	6.30	5.55	10.22	14.87	14.45	14.82	10.43
Dividend Yield	5.33%	4.93%	4.63%	4.67%	5.26%	4.22%	3.38%	3.37%	3.47%	3.12%
Earnings Yield	20.90%	18.52%	17.70%	15.88%	18.01%	9.79%	6.73%	6.92%	6.75%	9.59%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.15	0.21	0.21	0.00	0.26	0.31	0.39	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	1.19	1.65	1.62	0.00	2.03	2.37	3.11	0.03
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	3.85	5.74	5.64	0.00	10.00	11.62	15.76	0.12
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	4.70	7.17	7.04	0.00	14.04	16.17	22.08	0.15
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	5.98	9.34	9.32	0.00	19.44	22.08	30.22	0.21
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	24.20	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	9.49	0.00	0.00	9.94	402.10	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.95	1.92	1.90	1.84	1.87	1.88	1.88	1.88	2.01	1.92
Long-Term Debt to Equity	1.27	1.35	1.34	1.31	1.31	1.39	1.38	1.34	1.42	1.37
Financial Leverage	1.84	1.81	1.90	1.90	1.91	1.90	1.89	1.86	1.94	1.90
Leverage Ratio	11.84	11.64	11.90	11.75	11.60	11.83	11.74	11.54	11.42	11.46
Compound Leverage Factor	11.84	9.81	11.90	11.75	11.60	12.34	11.74	11.54	11.42	11.20
Debt to Total Capital	66.10%	65.78%	65.49%	64.73%	65.21%	65.27%	65.31%	65.25%	66.76%	65.78%
Short-Term Debt to Total Capital	23.02%	19.72%	19.30%	18.50%	19.57%	17.01%	17.55%	18.66%	19.40%	18.82%
Long-Term Debt to Total Capital	43.08%	46.05%	46.18%	46.23%	45.64%	48.26%	47.76%	46.58%	47.36%	46.96%
Preferred Equity to Total Capital	3.23%	3.22%	3.34%	3.41%	3.23%	2.96%	2.94%	3.01%	2.59%	2.92%
Noncontrolling Interests to Total Capital	0.09%	0.11%	0.12%	0.12%	0.11%	0.13%	0.14%	0.14%	0.13%	0.13%
Common Equity to Total Capital	30.57%	30.89%	31.05%	31.74%	31.45%	31.63%	31.61%	31.61%	30.52%	31.18%
Debt to EBITDA	16.38	16.39	16.47	17.30	17.37	22.08	24.66	24.44	27.02	18.76
Net Debt to EBITDA	-10.99	-13.50	-0.57	0.97	1.43	-12.47	1.33	2.97	7.08	-6.91
Long-Term Debt to EBITDA	10.68	11.48	11.61	12.36	12.16	16.33	18.04	17.45	19.17	13.40
Debt to NOPAT	24.56	25.58	25.60	28.15	28.71	41.31	47.97	46.47	51.81	31.35
Net Debt to NOPAT	-16.48	-21.07	-0.89	1.58	2.36	-23.34	2.58	5.65	13.57	-11.55
Long-Term Debt to NOPAT	16.01	17.91	18.05	20.10	20.09	30.55	35.08	33.18	36.75	22.38
Noncontrolling Interest Sharing Ratio	9.55%	9.73%	9.97%	9.91%	9.71%	9.32%	9.46%	9.53%	8.89%	8.91%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-33,811	-40,773	-27,171	2,736	-13,218	-5,580	11,190	-4,722	-24,038	-15,016
Operating Cash Flow to CapEx	-165.39%	652.06%	-1,865.67%	-3,625.69%	932.90%	-264.36%	-673.99%	-1,031.63%	-1,068.16%	1,468.96%
Free Cash Flow to Firm to Interest Expense	-4.60	-3.28	-1.69	0.15	-0.63	-0.25	0.49	-0.21	-1.04	-0.70
Operating Cash Flow to Interest Expense	-0.27	1.03	-1.90	-2.88	0.75	-0.21	-0.48	-0.75	-0.72	1.16
Operating Cash Flow Less CapEx to Interest Expense	-0.43	0.87	-2.00	-2.96	0.67	-0.29	-0.55	-0.83	-0.79	1.08
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	0.00	3.00	0.00	0.00	0.00	2.85	2.77	2.76	2.72	2.75
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	587,394	589,758	605,598	593,795	604,197	593,866	597,816	601,780	631,509	611,772
Invested Capital Turnover	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13
Increase / (Decrease) in Invested Capital	37,326	43,309	31,823	216	16,803	4,108	-7,782	7,985	27,312	17,906
Enterprise Value (EV)	-166,820	-219,687	92,696	127,528	127,964	-106,355	158,241	186,576	245,960	2,641
Market Capitalization	74,172	80,175	85,570	85,073	75,382	94,264	118,848	119,893	118,378	132,211
Book Value per Share	$92.72	$94.07	$96.75	$96.81	$98.67	$98.15	$98.92	$99.72	$101.02	$100.86
Tangible Book Value per Share	$80.42	$81.61	$84.14	$84.19	$86.01	$85.34	$86.16	$87.17	$88.54	$88.28
Total Capital	587,394	589,758	605,598	593,795	604,197	593,866	597,816	601,780	631,509	611,772
Total Debt	388,277	387,920	396,579	384,373	394,002	387,615	390,418	392,636	421,607	402,406
Total Long-Term Debt	253,068	271,606	279,684	274,510	275,760	286,619	285,495	280,321	299,081	287,300
Net Debt	-260,544	-319,506	-13,843	21,507	32,395	-219,017	20,980	47,749	110,413	-148,188
Capital Expenditures (CapEx)	1,202	1,965	1,634	1,491	1,693	1,765	1,607	1,644	1,561	1,688
Net Nonoperating Expense (NNE)	6.00	2.00	1.00	1.00	-2.00	336	1.00	0.00	1.00	0.00
Net Nonoperating Obligations (NNO)	388,277	387,920	396,579	384,373	394,002	387,615	390,418	392,636	421,607	402,406
Total Depreciation and Amortization (D&A)	1,065	1,108	1,111	1,136	1,141	1,172	1,110	1,101	1,081	1,019
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.64	$1.17	$2.21	$1.34	$1.64	($1.12)	$1.59	$1.54	$1.53	$1.37
Adjusted Weighted Average Basic Shares Outstanding	1.94B	1.95B	1.94B	1.94B	1.92B	1.93B	1.91B	1.91B	1.90B	1.90B
Adjusted Diluted Earnings per Share	$1.63	$1.16	$2.19	$1.33	$1.63	($1.11)	$1.58	$1.52	$1.51	$1.33
Adjusted Weighted Average Diluted Shares Outstanding	1.96B	1.96B	1.96B	1.97B	1.95B	1.96B	1.94B	1.95B	1.94B	1.94B
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	1.94B	1.94B	1.95B	1.93B	1.91B	1.91B	1.91B	1.91B	1.89B	1.88B
Normalized Net Operating Profit after Tax (NOPAT)	3,515	2,536	4,652	2,952	3,585	-925	3,577	3,290	3,281	2,882
Normalized NOPAT Margin	18.99%	13.70%	21.69%	15.19%	17.80%	-5.31%	16.95%	16.34%	16.15%	14.72%
Pre Tax Income Margin	23.74%	17.16%	28.83%	20.80%	23.77%	-12.06%	21.53%	21.40%	21.61%	19.42%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.60	0.30	0.39	0.22	0.23	-0.09	0.20	0.19	0.19	0.18
NOPAT to Interest Expense	0.48	0.20	0.29	0.16	0.17	-0.07	0.15	0.15	0.14	0.14
EBIT Less CapEx to Interest Expense	0.43	0.15	0.28	0.14	0.15	-0.17	0.13	0.12	0.12	0.10
NOPAT Less CapEx to Interest Expense	0.31	0.05	0.19	0.08	0.09	-0.14	0.08	0.07	0.07	0.06
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	32.20%	33.50%	32.66%	36.91%	37.35%	55.56%	64.35%	61.64%	63.90%	40.51%
Augmented Payout Ratio	54.04%	55.26%	35.39%	44.60%	47.76%	76.63%	93.72%	79.41%	89.15%	59.79%

Frequently Asked Questions About Citigroup's Financials

When does Citigroup's financial year end?

According to the most recent income statement we have on file, Citigroup's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Citigroup's net income changed over the last 9 years?

The last 5 years of Citigroup's net income performance:

2020: $11.09 billion
2021: $22.03 billion
2022: $14.93 billion
2023: $9.38 billion
2024: $12.83 billion

How has Citigroup revenue changed over the last 9 years?

Over the last 9 years, Citigroup's total revenue changed from $76.35 billion in 2015 to $81.14 billion in 2024, a change of 6.3%.

How much debt does Citigroup have?

Citigroup's total liabilities were at $2.14 trillion at the end of 2024, a 2.8% decrease from 2023, and a 42.1% increase since 2015.

How much cash does Citigroup have?

In the past 9 years, Citigroup's cash and equivalents has ranged from $20.90 billion in 2015 to $30.58 billion in 2022, and is currently $22.78 billion as of their latest financial filing in 2024.

How has Citigroup's book value per share changed over the last 9 years?

Over the last 9 years, Citigroup's book value per share changed from 68.86 in 2015 to 100.86 in 2024, a change of 46.5%.

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This page (NYSE:C) was last updated on 4/15/2025 by MarketBeat.com Staff

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