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olivLaw · US equity research

C C

National Commercial Banks · SIC 6021 · Vertical: National Commercial Banks (SIC 6021)

123.10USD+0.38% · 1 dayClose 02 Nov 2026

Citigroup Inc. is a diversified global financial holding company offering consumer banking, investment banking, brokerage, treasury services and wealth management in nearly 160 countries and jurisdictions. In fiscal 2025 revenues were 85.2 billion USD and net income 14.3 billion USD. In the third quarter 2026, revenues rose 8% from the prior-year period to 23.8 billion USD.

At the close of 02 Nov 2026, C (C) stock was 123.10 USD (+0.38% on the day), with market capitalisation 215.3 bn USD, P/E 17.6 on diluted EPS of 6.99 USD over the last 12 months, dividend yield 1.88%, beta 1.31, 52-week range 97.63–145.67 USD. Latest reported quarter (Q4 2025): revenue of 19.9 bn USD (+2.1% YoY), net income of 2.5 bn USD (−13.5% YoY), diluted EPS 1.36 USD.

Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.

Market cap
215.3 bn USD
shares as of 31 Jan 2026
P/E (TTM)
17.6
Diluted EPS TTM 6.99 · TTM to 31 Dec 2025
E/P (TTM)
5.68%
TTM to 31 Dec 2025
Dividend yield
1.88%
DPS 12m 2.32
Beta (2y)
1.31
Volatility (1y) 29%
52-week range
97.63145.67

Price history

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Technical reading

RSI (14)
43.5
weak (30–45)
Bollinger (20, 2)
118.53 – 130.49
in the lower half of the band · %B 0.38 · band width 9.6%
SMA 50 / 200
129.84 / 126.60
mixed trend
MACD (12, 26, 9)
-2.00 / -2.34
MACD above signal

Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).

Performance

CompanyS&P 500vs S&P 500Vertical median
1 month−4.2%−2.3%−1.9 pp—
3 months−7.8%−0.8%−7.1 pp—
6 months−2.0%+4.7%−6.7 pp—
Year to date+5.5%+10.2%−4.7 pp—
1 year+21.6%+10.3%+11.4 pp+0.0%
3 years+191.3%+73.0%+118.3 pp+72.9%
5 years+78.4%+61.8%+16.6 pp—
Max drawdown (1y)
−17.2%
22 Jun 2026 → 23 Oct 2026
Max drawdown (5y)
−44.7%
12 Nov 2021 → 27 Oct 2023
Compound annual growth (5y)
+12.3%
S&P 500 +10.1%

Price returns, dividends excluded.

Quarterly results

Latest quarter: Q4 2025 · 31 Dec 2025

Revenue
19.9 bn USD
+2.1% YoY
Net income
2.5 bn USD
−13.5% YoY
Diluted EPS
1.36
−8.1% YoY
net / operating
12.4% / unavailable

Quarterly margins

Quarterly statements · USD

Fiscal yearQ1 '24Q2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25
Revenue21.0 bn20.0 bn20.2 bn19.5 bn21.6 bn21.7 bn22.1 bn19.9 bn
Depreciation & amortisation1.1 bn1.1 bn ≈1.1 bn ≈1.0 bn1.1 bn1.1 bn ≈1.1 bn ≈1.1 bn
Interest expense22.7 bn22.5 bn——————
Pre-tax income4.5 bn4.3 bn4.4 bn3.8 bn5.4 bn5.2 bn5.4 bn3.8 bn
Income tax1.1 bn1.0 bn1.1 bn912.0 m1.3 bn1.2 bn1.6 bn1.3 bn
Net income3.4 bn3.2 bn3.2 bn2.9 bn4.1 bn4.0 bn3.8 bn2.5 bn
Diluted EPS1.581.521.511.48 ≈1.961.961.861.36 ≈
Operating cash flow-10.8 bn-17.0 bn ≈-16.7 bn ≈24.8 bn-58.7 bn-36.6 bn ≈1.1 bn ≈26.6 bn
Capex1.6 bn1.6 bn ≈1.6 bn ≈1.7 bn1.5 bn1.8 bn ≈1.6 bn ≈1.6 bn
Dividends paid1.3 bn1.3 bn ≈1.3 bn ≈1.3 bn1.3 bn1.3 bn ≈1.4 bn ≈1.4 bn
Share repurchases413.0 m111.0 m ≈982.0 m ≈968.0 m1.8 bn2.0 bn ≈5.0 bn ≈4.5 bn

≈ derived quarter (cumulative difference / share-days average)

E/P over time

E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.

Today's P/E sits at the 100 percentile of its own 37-quarter history (min 5.7, median 9.6, max 17.6; quarters with earnings only).

Fiscal years

Fiscal year20182019202020212022202320242025
Revenue72.9 bn75.1 bn75.5 bn71.9 bn75.3 bn78.1 bn80.7 bn85.2 bn
Revenue YoY+0.6%+3.0%+0.6%−4.8%+4.8%+3.6%+3.4%+5.6%
Net income18.0 bn19.4 bn11.0 bn22.0 bn14.8 bn9.2 bn12.7 bn14.3 bn
Net income YoYunavailable+7.5%−43.1%+98.7%−32.4%−37.8%+37.4%+12.8%
Diluted EPS6.688.044.7210.147.004.045.946.99
Diluted EPS YoYunavailable+20.4%−41.3%+114.8%−31.0%−42.3%+47.0%+17.7%
net %24.8%25.8%14.6%30.5%19.7%11.8%15.7%16.8%
Free cash flow33.2 bn-18.2 bn-26.9 bn43.0 bn19.4 bn-80.0 bn-26.2 bn-74.2 bn

Reported results vs expectations

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Balance sheet & financial health

Fiscal year 2025 · 31 Dec 2025

Cash
349.6 bn USD
Financial debt
367.7 bn USD
Net debt
18.1 bn USD
Equity
213.8 bn USD
Total assets
2,657.2 bn USD
Debt / equity
1.72x
Current ratio
unavailable
ROE
6.8%
ROA
0.6%
FCF margin
-87.0%

Financial statements (source on every figure)

Revenue and net income (USD)

Income statement · USD

Net interest income
2023
54.9 bn
2024
54.1 bn
2025
59.8 bn

SEC (XBRL)· 20 Feb 2026verified

Net fee income
2023
23.2 bn
2024
26.6 bn
2025
25.4 bn

SEC (XBRL)· 20 Feb 2026verified

Non-interest expense
2023
56.0 bn
2024
53.6 bn
2025
55.1 bn

SEC (XBRL)· 20 Feb 2026verified

Pre-tax income
2023
12.9 bn
2024
17.0 bn
2025
19.8 bn

SEC (XBRL)· 20 Feb 2026verified

Net income
2023
9.2 bn
2024
12.7 bn
2025
14.3 bn

SEC (XBRL)· 20 Feb 2026verified

Diluted EPS
2023
4.04
2024
5.94
2025
6.99

SEC (XBRL)· 20 Feb 2026verified

Balance sheet · USD

Cash
2023
260.9 bn
2024
276.5 bn
2025
349.6 bn

SEC (XBRL)· 20 Feb 2026verified

Loans
2023
671.2 bn
2024
675.9 bn
2025
733.0 bn

SEC (XBRL)· 20 Feb 2026verified

Total assets
2023
2,412.0 bn
2024
2,352.9 bn
2025
2,657.2 bn

SEC (XBRL)· 20 Feb 2026verified

Deposits
2023
1,308.7 bn
2024
1,284.5 bn
2025
1,403.6 bn

SEC (XBRL)· 20 Feb 2026verified

Short-term debt
2023
37.5 bn
2024
48.5 bn
2025
51.9 bn

SEC (XBRL)· 20 Feb 2026verified

Long-term debt
2023
286.6 bn
2024
287.3 bn
2025
315.8 bn

SEC (XBRL)· 20 Feb 2026verified

Total liabilities
2023
2,205.6 bn
2024
2,143.6 bn
2025
2,443.4 bn

SEC (XBRL)· 20 Feb 2026verified

Equity
2023
206.3 bn
2024
209.4 bn
2025
213.8 bn

SEC (XBRL)· 20 Feb 2026verified

Cash flow · USD

Dividends paid
2023
5.2 bn
2024
5.2 bn
2025
5.4 bn

SEC (XBRL)· 20 Feb 2026verified

Share repurchases
2023
2.0 bn
2024
2.5 bn
2025
13.3 bn

SEC (XBRL)· 20 Feb 2026verified

Computed indicators

Growth

Revenue growth (YoY)
5.6%
computed by olivLawFY 2025
Revenue CAGR 3Y
4.2%
computed by olivLawFY 2022 → FY 2025
Revenue CAGR 5Y
2.5%
computed by olivLawFY 2020 → FY 2025
Net income growth (YoY)
12.8%
computed by olivLawFY 2025
Net income CAGR 3Y
-1.2%
computed by olivLawFY 2022 → FY 2025
Net income CAGR 5Y
5.3%
computed by olivLawFY 2020 → FY 2025
EPS growth (YoY)
17.7%
computed by olivLawFY 2025
EPS CAGR 3Y
-0.0%
computed by olivLawFY 2022 → FY 2025
EPS CAGR 5Y
8.2%
computed by olivLawFY 2020 → FY 2025

Profitability

Net margin
16.8%
computed by olivLawFY 2025

Returns

ROE
6.8%
computed by olivLawFY 2025 · balance sheet at 31 Dec 2025
ROA
0.6%
computed by olivLawFY 2025 · balance sheet at 31 Dec 2025
Payout ratio (EPS)
33.2%
computed by olivLawFY 2025

Market and valuation

Market capitalisation
215.3 bn USD
computed by olivLawbalance sheet at 31 Dec 2025
Market cap / net income TTM
15.1x
computed by olivLawFY 2025
P/E (TTM)
17.6x
computed by olivLawFY 2025
Earnings yield
5.7%
computed by olivLawFY 2025
P/B
1.0x
computed by olivLawbalance sheet at 31 Dec 2025
P/S
2.5x
computed by olivLawFY 2025 · balance sheet at 31 Dec 2025
Dividend yield
1.9%
computed by olivLawFY 2025
Shareholder yield (distributions)
8.6%
computed by olivLawFY 2025 · balance sheet at 31 Dec 2025

Banking

Net interest margin
2.4%
computed by olivLawFY 2025 · balance sheet at 31 Dec 2025
Cost-to-income
64.7%
computed by olivLawFY 2025
Loan-to-deposit
52.2%
computed by olivLawbalance sheet at 31 Dec 2025
NPL ratio
unavailable
input data missing
CET1 ratio
unavailable
input data missing
Cost of risk
unavailable
input data missing

32 indicators that do not apply to the sector.

Valuation

olivLaw classification

Unattractive profile

Score: 24 / 100

A scoring methodology on indicators and valuation, not investment advice.

score < 40

Closing price

123.10 USD

02 Nov 2026Source: olivLaw, closing series

Market cap: 215.3 bn USD

Key indicators

Market capitalisation
215.3 bn USD
computed by olivLawbalance sheet at 31 Dec 2025
P/E (TTM)
17.6x
computed by olivLawFY 2025
P/B
1.0x
computed by olivLawbalance sheet at 31 Dec 2025
ROE
6.8%
computed by olivLawFY 2025 · balance sheet at 31 Dec 2025
Net margin
16.8%
computed by olivLawFY 2025
Revenue growth (YoY)
5.6%
computed by olivLawFY 2025
Dividend yield
1.9%
computed by olivLawFY 2025

Coverage and freshness

16/20 reporting lines present
Latest full fiscal year: 2025
Latest reported period: 31 Dec 2025
Latest balance sheet date: 31 Dec 2025
Share count (cover of the latest filing), as of: 31 Jan 2026
Source: SEC (XBRL)published 20 Feb 2026
verified 2494derived 165

Score by group

  • Growth18
  • Returns29
  • Quality8
  • Balance sheet100
  • Valuation43

Estimated value range

Low
97.87
USD per share
Mid
100.22
USD per share
High
103.61
USD per share
Price: 123.10 USD
The price is above the range
Potential to the central value: -18.6% (value / price − 1)
Margin of safety: -22.8% (1 − price / value)
Agreement between methods: high · 4 methods used · 3 independent bases

The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 66.87 – 173.82 USD.

Valuation assumptions are editorial choices, not measured; beta is not measured.

Method ranges (USD per share)

— — Mid · ▏ Price

Valuation methods

  • Residual income112.19 – 117.29 (Mid 114.69)
  • Justified P/B66.87 – 89.93 (Mid 76.70)
  • Dividend discount (DDM)unavailable · input data missing
  • Peers: P/E83.55 – 89.59 (Mid 85.74)
    6 companies used · median multiple 12.3x · quartiles 12.0x – 12.8x
    BAC, COF, HBAN, PNC, USB, WFC
  • Peers: P/B138.39 – 173.82 (Mid 154.75)
    6 companies used · median multiple 1.3x · quartiles 1.1x – 1.4x
    BAC, COF, HBAN, PNC, USB, WFC
Multiple comparisons use the SIC vertical: National Commercial Banks (SIC 6021)

Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.

Assumptions (illustrative, editorial)

Risk-free rate
4.3%
Equity risk premium
5.0%
Beta (default)
1.00
Cost of equity
9.3%
Terminal growth
2.5%

Factor scorecard

Unattractive profile · Score 24/100

FactorValueScoreWeight used
ROE · Quality6.8%0 (vs peers)19%
ROA · Quality0.6%12 (on a fixed band)7%
Cost-to-income · Quality64.7%1 (on a fixed band)12%
Net interest margin · Quality2.4%35 (on a fixed band)7%
EPS CAGR 3Y · Growth-0.0%0 (on a fixed band)10%
Revenue CAGR 3Y · Growth4.2%42 (on a fixed band)7%
NPL ratio · Balance sheetunavailableunavailable—
Cost of risk · Balance sheetunavailableunavailable—
Loan-to-deposit · Balance sheet52.2%100 (on a fixed band)5%
P/B · Valuation1.0x86 (vs peers)12%
P/E (TTM) · Valuation17.6x0 (vs peers)12%
Dividend yield · Returns1.9%29 (vs peers)10%

Factors without a value were dropped; the remaining weights were renormalised.

Score groups

  • Balance sheet· partial100/100 · 1/3 factors with a value
  • Growth18/100 · 2/2 factors with a value
  • Quality8/100 · 4/4 factors with a value
  • Returns29/100 · 1/1 factors with a value
  • Valuation43/100 · 2/2 factors with a value

A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.

Memo

Citigroup Inc (C). Latest full fiscal year: 2025; data up to 2025-12-31.

Figures computed from the financial statements: net interest income 59.8 bn USD in 2025; YoY growth 5.6%; net margin 16.8%; ROE 6.8%.

The estimated value range is 97.87–103.61 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 100.22 USD, the price of 123.10 USD leaves a potential of -18.6% (value / price − 1) and a margin of safety of -22.8% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.

olivLaw score 24/100, methodological classification: unattractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.

Text generated deterministically from the figures shown; no language model. Not investment advice.

What supports the thesis

  • Loan-to-deposit: 52.2%
  • P/B: 1.0x

What contradicts it

  • ROE: 6.8%
  • ROA: 0.6%
  • Cost-to-income: 64.7%
  • EPS CAGR 3Y: -0.0%
  • P/E (TTM): 17.6x
  • Dividend yield: 1.9%
  • The price is above the estimated value range

Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk.

Versus the vertical median

National Commercial Banks (SIC 6021) · same industry (4-digit SIC) · compared with 7 companies

Only companies with a capitalisation between 26.8 bn and 1,714.5 bn (within 8× of the company's); 33 of the vertical were left out.

Multiples and returns vs the median

P/E
17.6x
vertical median 12.5x
above median (+40.4%)
EV/EBITDA
—
vertical median —
P/S
2.5x
vertical median 3.4x
below median (−26.4%)
P/B
1.0x
vertical median 1.4x
below median (−27.4%)
ROE
6.8%
vertical median 12.6%
below median (−46.1%)
Net margin
16.8%
vertical median 29.1%
below median (−42.3%)
EBIT margin
—
vertical median —
Revenue YoY
5.6%
vertical median 6.4%
below median (−12.9%)
Net debt/EBITDA
—
vertical median —
Dividend yield
1.9%
vertical median 2.3%
below median (−19.5%)

Price rebased to 100 (monthly, 5 years)

Companies in the vertical

Market capP/EROENet marginRevenue YoY1A / 3A
JPMJpmorgan Chase & Co905.3 bn14.517.8%35.7%+2.8%+9% / +118%
BACBofA Finance LLC342.0 bn11.710.8%26.8%+6.8%−8% / +63%
WFCWells Fargo & Company257.8 bn12.012.9%—−1.6%+0% / +93%
CCitigroup Inc215.3 bn17.66.8%16.8%+5.6%+22% / +191%
COFCapital One Financial Corp129.3 bn12.99.4%17.0%+36.6%−4% / +89%
USBUs Bancorp \de\94.2 bn11.912.7%27.5%+4.4%+23% / +59%
PNCPnc Financial Services Group, Inc.92.4 bn12.512.6%30.6%+7.2%+21% / +73%
HBANHuntington Bancshares Incorporated32.3 bn12.99.1%133.3%+6.4%−2% / +42%

1- and 3-year price returns: for C from daily closes (the same as the performance table), for the other companies from month-end closes.

olivLaw engine forecast

The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.

The engine has no published run for this company yet.

Valuation scenarios (editable assumptions)

Illustrative scenarios

Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.

Bear
Allowed range: -50 … 50%
Allowed range: -100 … 100%
Allowed range: 0 … 100
Allowed range: -10 … 20%
Allowed range: 0 … 100%
Base
Allowed range: -50 … 50%
Allowed range: -100 … 100%
Allowed range: 0 … 100
Allowed range: -10 … 20%
Allowed range: 0 … 100%
Bull
Allowed range: -50 … 50%
Allowed range: -100 … 100%
Allowed range: 0 … 100
Allowed range: -10 … 20%
Allowed range: 0 … 100%
Nothing is saved.

Estimated price (USD)

Estimated priceBearBaseBull
1 years
84.87
Total return -29% · Per year -29%
150.07
Total return 24% · Per year 24%
226.07
Total return 86% · Per year 86%
3 years
81.87
Total return -28% · Per year -11%
162.92
Total return 40% · Per year 12%
269.56
Total return 128% · Per year 32%
5 years
78.97
Total return -27% · Per year -6%
176.88
Total return 56% · Per year 9%
321.42
Total return 178% · Per year 23%
What moves the 3-year price the most
  • Exit P/E± 40.73
  • Net margin± 28.51
  • Annual revenue growth± 23.47
  • Annual dilution± 2.40

AI analysis

AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.

In brief

Citigroup Inc. is a diversified global financial holding company offering consumer banking, investment banking, brokerage, treasury services and wealth management in nearly 160 countries and jurisdictions 1. In fiscal 2025 revenues were 85.2 billion USD and net income 14.3 billion USD 1. In the third quarter 2026, revenues rose 8% from the prior-year period to 23.8 billion USD 2.

SWOT

Strengths

  • The group has extensive international presence across many countries and jurisdictions and a strong position in treasury and custody services 12.
  • Revenue growth and disciplined expense management delivered positive operating leverage for the second consecutive year, according to the annual report 1.
  • The CET1 capital ratio is solid, and the company has returned substantial capital to shareholders through repurchases and dividends 12.

Weaknesses

  • The transformation and remediation of regulatory orders consume significant resources and may take longer than planned 1.
  • Operating efficiency still depends on expense control, while technology and compliance costs have risen 1.
  • Compensation and benefits expenses increased, which could limit margin improvement 1.

Opportunities

  • Growth in treasury services and wealth management could support revenues if client demand remains strong 2.
  • Exiting markets being wound down may free capital and focus resources on core activities 1.
  • Investment in data and automation could lower costs over the long term as the transformation matures 1.

Threats

  • Geopolitical tensions and shifts in trade policy could affect the economies and financial markets in which the group operates 1.
  • A weaker credit environment could raise loss provisions further 2.
  • Regulatory pressure and the possibility of further supervisory actions could generate additional costs 1.

Risks

  • Regulatory and compliance riskhigh

    The FRB and OCC consent orders require extensive remediation plans, and regulators could identify further control issues leading to additional actions 1.

  • Credit riskmedium

    Provisions for credit losses rose in the third quarter 2026, and if the macroeconomic picture worsens, losses could exceed current estimates 2.

  • Geopolitical and country riskhigh

    Conflicts, trade tensions and instability in countries where the group operates could affect activity and asset values 1.

  • Funding and liquidity riskmedium

    Changes in interest rates and market conditions could alter funding costs and deposit levels, which are central to the balance sheet 1.

  • Operational and technology riskmedium

    Transformation programs and technology investments carry execution and data security risks that could generate operational losses 1.

Investment thesis

What would need to be true (bull case)

  • If growth in Services and Markets persists and operating leverage stays positive, profitability could keep improving 12.
  • The exits from Russia and the Banamex stake could simplify the group and support capital available for repurchases 1.
  • Management indicated it expects to exceed this year's capital return target, which could support medium-term investor interest 2.

What would break the thesis

  • If transformation and remediation of regulatory orders take longer, additional costs could continue to limit margins 1.
  • A deterioration in credit quality combined with rising provisions could reduce net income in coming quarters 2.
  • Geopolitical tensions and shifts in trade policy could weigh on trading revenues and loan growth 1.

What to watch

  • Trend in provisions for credit losses and portfolio qualityQ4 2026
  • Progress of the transformation and remediation of the FRB and OCC orders2027
  • Effects of completing the Russia exit on CET1 and revenuesQ1 2027

Products, market & competition

AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.

The business

Management describes its ambition as being the preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in the U.S. 1. The multiyear transformation, including remediation of the 2020 consent orders with the FRB and OCC, continues as a central priority 1.

Market context

Citigroup operates in an environment where macroeconomic, geopolitical and regulatory uncertainties could affect growth, unemployment, inflation and volatility in U.S. and global financial markets 1. Interest rate pressures and trade policy could influence funding costs and credit loss provisions 1.

Growth in deposits and loans, particularly in Services and Markets, points to sustained demand from institutional clients, and recent quarterly revenues suggest positive momentum 12. Precise market share and competitive positioning cannot be measured from the sources available for this profile.

Trends

  • Exits from non-core marketstailwind

    Completing the sale of AO Citibank in Russia and the Banamex stake reduces exposure to high-risk countries and may release capital, according to the company's CET1 estimates 1. The effect on revenues depends on gains or losses on sale.

  • Credit costs and provisionsheadwind

    Provisions for credit losses rose in the third quarter 2026 compared with the prior year, reflecting changes in the macroeconomic outlook and portfolio growth 2. If credit quality deteriorated further, pressure on earnings could increase.

Competitive position

The analyzed sources do not explicitly name Citigroup's direct competitors and provide no comparative market share data. The SEC text indicates that the group competes across consumer banking, investment banking, wealth management and treasury services 1.

Through its weight in cross-border services and global institutional finance, Citigroup competes where international network reach and technology matter most; such comparisons would require external data outside this profile.

  • Global commercial and investment banks

    Direct competitors are not named in the supplied sources; comparisons depend on external data.

  • Wealth management firms

    The Wealth segment competes with wealth managers not identified in the analyzed sources.

  • Payment and transaction processing providers

    The Services segment competes with processing and clearing operators not identified in the analyzed sources.

  • Consumer card issuers

    The U.S. Consumer Cards segment competes with card issuers not identified in the analyzed sources.

News & filings

In the press

The latest news item in our archive is from 23 Oct 2026; the newest SEC filing is from 26 Oct 2026. The press archive comes from the RSS feeds we follow and does not necessarily cover the latest event — the filings alongside do.

SEC filings

  • Current report26 Oct 2026
    Financial statements and exhibits
  • Current report22 Oct 2026
    Departure or appointment of officers · Financial statements and exhibits
  • Current report13 Oct 2026
    Results of operations · Financial statements and exhibits
  • Current report24 Sept 2026
    Financial statements and exhibits
  • Quarterly report06 Aug 2026
  • Current report14 Jul 2026
    Results of operations · Financial statements and exhibits
  • Current report21 May 2026
    Departure or appointment of officers · Shareholder vote · Financial statements and exhibits
  • Quarterly report07 May 2026
  • Current report14 Apr 2026
    Results of operations · Financial statements and exhibits
  • Current report03 Apr 2026
    Regulation FD disclosure · Financial statements and exhibits

Sources

  1. [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / C · 20 Feb 2026
  2. [2] Form 8-K, results release (exhibit 99.1) · SEC / C · 13 Oct 2026

Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.

C (C): stock, results, valuation and forecast · olivLaw