Citigroup Inc. (C)

From the record

Citigroup Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Citigroup Inc.'s 10 filed years say what it did: revenue went from $71 billion in fiscal 2016 to $85 billion in fiscal 2025, up 2.1% a year; it rose in 8 of 9 years; the deepest fall was 5% from fiscal 2020 to fiscal 2021; net income was positive in 9 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Citigroup Inc.'s diluted share count shrank about 1.6% a year, and dividends and buybacks returned about 92% of its net income over 3 years (its filed statements). Its officers and directors filed 11 sales and 0 purchases of their own stock on the open market in the year to 2026-10-02 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Citigroup Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 3.5% over the year (the filed statements).

From the record

Citigroup Inc.'s standing among 79 graded names in its industry family: revenue of $85 billion in fiscal 2025 ranks in the top 5% by size; a net margin of 16.8% ranks in the bottom 18%; revenue growth of 4.2% a year over the last 3 filed years ranks in the bottom 8% (its annual reports).

From the record

Citigroup Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Fraser, Jane Nind (Chair & CEO, as filed), filing under that title since 2021-11-23, 5 years (bottom 36% of its family); the 30 officers and directors filing in the last fifteen months have been on the record a median of 6.2 years (bottom 39%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 30 people in charge now (top 46%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Citigroup Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $350 billion against debt of $316 billion leaves 1.3% of its assets as net cash, bottom 35% of its family; cash from operations less capital spending is -87% of revenue (bottom 1%) (its annual report).

From the record

Citigroup Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 4.2% a year over the last three filed years against 2.1% over all 10, speeding up (bottom 39% of its family); the newest year grew 5.6% (top 39%); capital spending grew 5% a year (bottom 42%) (its annual reports). Citigroup Inc. reported 5 lines of business in fiscal 2025: Markets at $22 billion, Services at $21 billion, US Personal Banking at $21 billion, and 2 more. 5 of 5 grew in the latest filed year, and the largest line is 27% of revenue (its annual report).

From the record

Citigroup Inc.'s newest year against its own record: revenue of $85 billion in fiscal 2025 came in 2% above the $84 billion its prior three years' pace pointed to (top 11% of its family); net income of $14 billion against a prior three-year average of $12 billion (bottom 41%); a net margin of 16.8% against 15.7% before (top 32%) (its annual reports).