Compiled 2026-09-26Data through 2025-12-312 min read
Dated source-based research · No live market data

Executive summary

Annual revenue of USD 85.225 billion and net income of USD 14.306 billion for the period ended 2025-12-31. This is a structured data brief from filed financial statements, not an independently audited investment opinion.

Business and industry context

CITIGROUP INC is an SEC-reporting issuer listed on NYSE under C. Its SEC industry description is National Commercial Banks. This profile organizes annual financial disclosures for research; sector labels are editorial groupings, not GICS classifications. Banks, insurers, exchanges and asset managers earn income through different balance-sheet and fee models. Conventional industrial cash-flow ratios may not be economically comparable.

Financial evidence

The selected fiscal period runs from 2025-01-01 to 2025-12-31. Revenue was USD 85.225 billion; operating income was not available; diluted EPS was USD 6.99 per share. Prior-period revenue was USD 80.722 billion. The reported revenue change was 5.58%. Comparisons are not adjusted for acquisitions, disposals, foreign exchange or fiscal-week differences.

Profitability and cash generation

Net margin, calculated as net income divided by revenue, was 16.79%. Operating cash flow was USD -67.632 billion; capital expenditure was USD 6.520 billion. Free cash flow (operating cash flow less purchases of property, plant and equipment) was USD -74.152 billion. Missing standard tags are not interpreted as zero. These measures may not be directly comparable between business models.

Balance-sheet context

Total assets were USD 2,657.202 billion, total liabilities USD 2,443.380 billion and reported shareholder equity USD 212.291 billion at the period end. Total liabilities include operating obligations and are not a measure of interest-bearing debt.

Valuation context

This release does not include a synchronized market-price dataset. Consequently, price-based multiples are not quoted. P/E requires a dated share price and a clearly identified EPS basis; P/S and P/B require consistently dated capitalization and accounting denominators. A multiple alone does not establish fair value.

Risks and uncertainties

Credit losses, deposit pricing, reserve assumptions, market liquidity and regulatory capital. Standardized XBRL can omit custom-tag disclosures. Annual data cannot establish the direction of the latest quarter.

What to monitor

Net interest income, credit provisions, fee income, underwriting results and capital adequacy. Read subsequent quarterly filings, footnotes and accounting-policy changes before interpreting these historical observations.

Methodology note

Source snapshots were collected on September 18, 2026. Values preserve reported currency and periods. This brief was compiled on September 26, 2026; the publication date is not a new source retrieval date.

Sources & dates