Stocktoria

CITIGROUP INC C

NYSE · stock · National Commercial Banks · website · IPO 1986-10-30 · LEI

CITIGROUP INC statistics & valuation

Market cap$243.1B
P / E17.0×
P / S2.9×
P / B1.1×
Dividend yield2.21%
Net margin16.8%
Return on equity6.7%
FCF margin-87.0%
Net debt$315.8B
Enterprise value USD$558.9B
Graham number -2.6%$133.99

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($133.99); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
21.10% -9.40% 24.80% 25.80% 14.60% 30.50% 19.70% 11.80% 15.70% 16.80% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.60% -3.40% 9.20% 10.00% 5.50% 10.80% 7.40% 4.50% 6.10% 6.70% 2016201720182019202020212022202320242025
Shares outstanding
2.89B 2.70B 2.49B 2.27B 2.10B 2.05B 1.96B 1.96B 1.94B 1.87B 2016201720182019202020212022202320242025
Net debt ($)
$45.68B $56.19B $43.89B $248.76B $271.69B $254.37B $271.61B $286.62B $287.30B $315.83B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% -0.40% 0.90% 1.00% 0.50% 1.00% 0.60% 0.40% 0.50% 0.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
72.00% -16.80% 45.50% -24.20% -35.70% 59.80% 25.80% -102.50% -32.40% -87.00% 2016201720182019202020212022202320242025
Debt / equity (×)
0.91× 1.17× 1.18× 1.28× 1.36× 1.26× 1.35× 1.39× 1.37× 1.48× 2016201720182019202020212022202320242025
EPS ($)
$4.72 -$2.98 $6.68 $8.04 $4.72 $10.14 $7.00 $4.04 $5.94 $6.99 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CITIGROUP INC trades at about 19.7× earnings — above its 10-year norm (10-year range 6.4×–16.6×, median 11.8×).

6.4× 19.7×

Shaded band = 10-year range (6.4×–16.6×); dot = today's 19.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin16.8%15.7%11.8%19.7%30.5%14.6%25.8%24.8%-9.4%21.1%
FCF margin-87.0%-32.4%-102.5%25.8%59.8%-35.7%-24.2%45.5%-16.8%72.0%
Return on assets0.5%0.5%0.4%0.6%1.0%0.5%1.0%0.9%-0.4%0.8%
Return on equity6.7%6.1%4.5%7.4%10.8%5.5%10.0%9.2%-3.4%6.6%
Debt / equity1.48×1.37×1.39×1.35×1.26×1.36×1.28×1.18×1.17×0.91×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.