Citigroup Inc - Understand $c stock

$C Market Cap: $135.2 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$61.56B

TTM

Gross Margin

99.88%

TTM

Net Earnings

$6.677B

TTM

Current Assets

Current Liabilities

$400.9B

Q3 2024

Current Ratio

Total Assets

$2431B

Q3 2024

Total Liabilities

$2222B

Q3 2024

Book Value

$209.1B

Q3 2024

Cash

$303.1B

Q3 2024

P/E

20.25

Nov 29, 2024 EST

Free Cash Flow

-$55.71B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Revenue	$78.46B	$75.34B	$71.88B	$75.50B	$75.07B	$72.85B	$72.44B	$70.80B	$76.35B	$77.22B	$76.72B	$69.53B	$77.33B	$86.60B
YoY Change	4.15%	4.8%	-4.79%	0.58%	3.04%	0.57%	2.33%	-7.28%	-1.12%	0.65%	10.35%	-10.09%	-10.7%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$78.46B	$75.34B	$71.88B	$75.50B	$75.07B	$72.85B	$72.44B	$70.80B	$76.35B	$77.22B	$76.72B	$69.53B	$77.33B	$86.60B
Cost Of Revenue	$87.00M	$94.00M	$116.0M	$17.50B	$8.383B	$7.568B	$7.451B	$204.0M	$731.0M	$801.0M	$830.0M	$887.0M	$972.0M	$965.0M
Gross Profit	$78.38B	$75.24B	$71.77B	$58.01B	$66.68B	$65.29B	$64.99B	$70.59B	$75.62B	$76.42B	$75.89B	$68.64B	$76.36B	$85.64B
Gross Profit Margin	99.89%	99.88%	99.84%	76.83%	88.83%	89.61%	89.71%	99.71%	99.04%	98.96%	98.92%	98.72%	98.74%	98.89%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$9.106B	$8.587B	$7.828B	$7.383B	$7.077B	$7.193B	$6.909B	$6.701B	$6.581B	$6.436B	$6.136B	$5.829B	$5.055B	$4.924B
YoY Change	6.04%	9.7%	6.03%	4.32%	-1.61%	4.11%	3.1%	1.82%	2.25%	4.89%	5.27%	15.31%	2.66%
% of Gross Profit	11.62%	11.41%	10.91%	12.73%	10.61%	11.02%	10.63%	9.49%	8.7%	8.42%	8.08%	8.49%	6.62%	5.75%
Depreciation & Amortization	$4.560B	$4.262B	$3.964B	$3.937B	$3.905B	$3.754B	$3.659B	$3.720B	$3.506B	$3.589B	$3.303B	$2.507B	$2.872B	$2.664B	$2.853B	$2.466B	$2.421B	$2.503B	$2.318B	$2.056B	$1.570B	$1.521B	$2.289B	$2.526B	$2.226B	$1.810B	$1.218B	$1.182B	$1.101B	$920.0M	$693.0M	$684.0M	$772.0M	$798.0M	$718.0M	$619.0M
YoY Change	6.99%	7.52%	0.69%	0.82%	4.02%	2.6%	-1.64%	6.1%	-2.31%	8.66%	31.75%	-12.71%	7.81%	-6.62%	15.69%	1.86%	-3.28%	7.98%	12.74%	30.96%	3.22%	-33.55%	-9.38%	13.48%	22.98%	48.6%	3.05%	7.36%	19.67%	32.76%	1.32%	-11.4%	-3.26%	11.14%	15.99%
% of Gross Profit	5.82%	5.66%	5.52%	6.79%	5.86%	5.75%	5.63%	5.27%	4.64%	4.7%	4.35%	3.65%	3.76%	3.11%
Operating Expenses	$9.106B	$8.587B	$7.828B	$7.383B	$7.077B	$7.193B	$6.909B	$6.701B	$6.581B	$55.05B	$48.41B	$50.04B	$50.25B	$47.38B
YoY Change	6.04%	9.7%	6.03%	4.32%	-1.61%	4.11%	3.1%	1.82%	-88.05%	13.72%	-3.25%	-0.43%	6.07%
Operating Profit	$69.27B	$66.66B	$63.94B	$50.62B	$59.61B	$58.09B	$58.08B	$63.89B	$69.04B	$21.37B	$27.49B	$18.61B	$26.11B	$38.26B
YoY Change	3.92%	4.25%	26.31%	-15.07%	2.61%	0.02%	-9.09%	-7.46%	223.12%	-22.26%	47.72%	-28.73%	-31.76%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$78.36B	$25.74B	$7.981B	$13.34B	$28.38B	$24.27B	$16.52B	$12.51B	$11.92B	$13.69B	$16.18B	$20.61B	$24.21B	$25.10B
YoY Change	204.42%	222.52%	-40.16%	-53.01%	16.96%	46.91%	32.02%	4.96%	-12.92%	-15.37%	-21.52%	-14.86%	-3.53%
% of Operating Profit	113.12%	38.62%	12.48%	26.35%	47.62%	41.77%	28.44%	19.58%	17.27%	64.07%	58.86%	110.78%	92.72%	65.59%
Other Income/Expense, Net	$67.00M	-$21.00M	$1.165B	$420.0M	$1.448B	$1.661B	$1.437B	$2.163B	$5.958B	$3.227B	$3.106B	$593.0M	$3.484B	$3.551B
YoY Change	-419.05%	-101.8%	177.38%	-70.99%	-12.82%	15.59%	-33.56%	-63.7%	84.63%	3.9%	423.78%	-82.98%	-1.89%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Pretax Income	$12.91B	$18.81B	$27.47B	$13.63B	$23.90B	$23.45B	$22.76B	$21.48B	$24.83B	$14.70B	$19.80B	$8.165B	$14.72B	$13.18B	-$7.776B	-$52.36B	$646.0M	$28.49B	$29.43B	$22.74B	$25.17B	$20.54B	$20.52B	$19.30B	$18.15B	$11.09B	$10.75B	$11.09B	$8.914B	$6.485B	$4.383B	$2.606B	$554.0M	$1.428B	$2.045B	$2.943B
YoY Change	-31.36%	-31.53%	101.5%	-42.96%	1.94%	3.01%	5.98%	-13.49%	68.87%	-25.76%	142.52%	-44.54%	11.67%	-269.55%	-85.15%	-8204.49%	-97.73%	-3.21%	29.46%	-9.67%	22.56%	0.09%	6.33%	6.31%	63.74%	3.12%	-3.04%	24.38%	37.46%	47.96%	68.19%	370.4%	-61.2%	-30.17%	-30.51%
Income Tax	$3.528B	$3.642B	$5.451B	$2.525B	$4.430B	$5.357B	$29.39B	$6.444B	$7.440B	$7.197B	$6.186B	$397.0M	$3.575B	$2.233B	-$6.716B	-$20.33B	-$2.546B	$7.749B	$9.078B	$6.464B	$7.838B	$6.998B	$7.203B	$7.027B	$6.530B	$3.907B	$3.833B	$3.967B	$3.304B	$1.906B	$1.491B	$1.128B	$964.0M	$724.0M	$1.217B	$1.085B
% Of Pretax Income	27.33%	19.37%	19.84%	18.52%	18.53%	22.85%	129.12%	30.0%	29.97%	48.96%	31.24%	4.86%	24.28%	16.94%			-394.12%	27.2%	30.84%	28.43%	31.14%	34.08%	35.1%	36.41%	35.98%	35.25%	35.66%	35.78%	37.07%	29.39%	34.02%	43.28%	174.01%	50.7%	59.51%	36.87%
Net Earnings	$7.850B	$13.70B	$21.95B	$11.05B	$19.40B	$18.05B	-$6.798B	$14.91B	$17.24B	$7.310B	$13.66B	$7.491B	$11.07B	$10.60B	-$1.606B	-$27.68B	$3.617B	$21.54B	$24.59B	$17.05B	$17.85B	$15.28B	$14.13B	$13.52B	$11.24B	$6.950B	$6.705B	$6.739B	$5.760B	$4.692B	$3.135B	$1.478B	$22.00M	$824.0M	$786.0M	$2.019B
YoY Change	-42.7%	-37.59%	98.71%	-43.06%	7.51%	-365.45%	-145.59%	-13.51%	135.87%	-46.48%	82.34%	-32.31%	4.39%	-760.15%	-94.2%	-865.39%	-83.21%	-12.41%	44.25%	-4.52%	16.87%	8.14%	4.49%	20.24%	61.77%	3.65%	-0.5%	17.0%	22.76%	49.67%	112.11%	6618.18%	-97.33%	4.83%	-61.07%
Net Earnings / Revenue	10.0%	18.18%	30.54%	14.63%	25.84%	24.77%	-9.38%	21.06%	22.58%	9.47%	17.8%	10.77%	14.31%	12.24%
Basic Earnings Per Share	$4.07	$7.04	$10.21	$4.74	$8.08	$6.69	-$2.98	$4.72	$5.41	$2.21	$4.35	$2.49	$3.73	$3.65	-$7.99	-$5.63	$0.68
Diluted Earnings Per Share	$4.01	$6.974M	$10.14	$4.72	$8.04	$6.68	-$2.98	$4.72	$5.40	$2.20	$4.34	$2.42	$3.63	$3.54	-$7.99	-$5.63	$0.67	$43.16M	$47.65M	$32.72M	$34.40M	$29.55M	$27.43M	$26.40M	$21.92M	$13.52M	$14.24M	$14.07M	$11.71M	$10.40M	$7.799M	$4.562M	$71.66K	$2.675M	$2.720M	$9.177M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$28.75B	$26.25B	$2.900B	$2.800B	$3.100B																						$0.00		$4.339B	$4.062B	$3.842B	$3.819B	$3.659B	$4.010B	$3.351B	$3.337B
YoY Change	9.5%	805.28%	3.57%	-9.68%																									6.82%	5.73%	0.6%	4.37%	-8.75%	19.67%	0.42%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$35.49B	$33.35B	$29.81B	$30.99B	$28.97B	$27.69B	$26.80B	$49.69B	$51.19B		$55.78B	$36.00M	$0.00	$0.00		$0.00
YoY Change	6.4%	11.87%	-3.8%	6.95%	4.65%	3.31%	-46.07%	-2.93%			154847.22%
Total Long-Term Assets
YoY Change
Total Assets	$2405B	$2417B	$2291B	$2260B	$1951B	$1917B	$1842B	$1792B	$1731B	$1842B	$1880B	$1865B	$1874B	$1914B	$1857B	$1938B	$2187B	$1884B	$1494B	$1484B	$1264B	$1098B	$1051B	$902.2B	$795.6B	$668.6B	$697.4B	$626.9B	$370.8B	$365.8B	$317.9B	$237.9B	$238.5B	$236.7B	$248.6B	$226.2B
YoY Change
Accounts Payable	$65.96B	$69.22B	$61.43B	$50.48B	$48.60B	$64.57B	$61.34B	$57.15B	$53.72B	$52.18B	$53.71B	$57.01B	$56.70B	$51.75B	$60.85B	$70.92B	$84.95B	$85.12B	$70.99B	$50.21B	$37.33B	$22.02B	$32.89B	$15.88B	$13.44B	$21.06B	$12.76B	$10.02B
YoY Change	-4.71%	12.68%	21.68%	3.87%	-24.73%	5.26%	7.33%	6.38%	2.96%	-2.84%	-5.8%	0.56%	9.56%	-14.95%	-14.2%	-16.52%	-0.2%	19.9%	41.4%	34.5%	69.5%	-33.04%	107.1%	18.19%	-36.18%	64.97%	27.39%
Accrued Expenses	$2.974B	$3.076B	$3.100B	$3.100B	$3.300B
YoY Change	-3.32%	-0.77%	0.0%	-6.06%
Deferred Revenue
YoY Change
Short-Term Debt	$306.6B	$237.5B	$219.3B	$225.0B	$193.8B	$200.6B	$176.9B	$160.5B	$167.6B	$220.6B	$251.5B	$259.3B	$247.8B	$258.3B	$200.2B	$332.0B	$450.7B	$450.1B	$309.3B	$240.5B	$217.3B	$193.3B	$178.0B	$162.3B	$136.9B	$97.14B	$146.1B	$308.3B	$210.1B	$206.5B	$179.5B	$171.3B	$172.6B	$169.9B	$182.7B	$165.4B
YoY Change	29.08%	8.34%	-2.57%	16.13%	-3.4%	13.39%	10.22%	-4.21%	-24.03%	-12.28%	-3.01%	4.62%	-4.08%	29.07%	-39.71%	-26.35%	0.15%	45.5%	28.6%	10.67%	12.45%	8.6%	9.66%	18.53%	40.97%	-33.53%	-52.6%	46.75%	1.7%	15.05%	4.81%	-0.76%	1.61%	-7.03%	10.44%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$372.6B	$69.22B	$64.53B	$53.58B	$51.90B	$64.57B	$61.34B	$57.15B	$53.72B	$52.18B	$53.71B	$57.01B	$56.70B	$51.75B	$60.85B	$70.92B	$84.95B	$85.12B	$70.99B	$50.21B	$37.33B	$22.02B	$32.89B	$15.88B	$13.44B	$21.06B	$12.76B	$10.02B	$210.1B	$206.5B	$179.5B	$171.3B	$172.6B	$169.9B	$182.7B	$165.4B
YoY Change	438.26%	7.26%	20.43%	3.24%	-19.62%	5.26%	7.33%	6.38%	2.96%	-2.84%	-5.8%	0.56%	9.56%	-14.95%	-14.2%	-16.52%	-0.2%	19.9%	41.4%	34.5%	69.5%	-33.04%	107.1%	18.19%	-36.18%	64.97%	27.39%	-95.23%	1.7%	15.05%	4.81%	-0.76%	1.61%	-7.03%	10.44%
Long-Term Debt	$286.6B	$271.6B	$249.1B	$260.8B	$243.3B	$221.5B	$217.4B	$184.6B	$183.5B	$223.1B	$207.1B	$223.2B	$312.5B	$363.0B	$339.9B	$292.2B	$340.2B	$288.5B	$217.5B	$207.9B	$162.7B	$126.9B	$121.6B	$111.8B	$88.48B	$48.67B	$47.39B	$43.25B	$27.68B	$24.97B	$25.15B	$24.09B	$27.67B	$26.64B	$26.83B	$26.63B
YoY Change	5.53%	9.05%	-4.49%	7.2%	9.82%	1.88%	17.79%	0.6%	-17.75%	7.71%	-7.19%	-28.59%	-13.91%	6.79%	16.33%	-14.11%	17.93%	32.64%	4.61%	27.79%	28.19%	4.35%	8.81%	26.33%	81.79%	2.71%	9.58%	56.25%	10.85%	-0.72%	4.42%	-12.96%	3.86%	-0.69%	0.74%
Other Long-Term Liabilities	$231.2B	$258.5B	$228.3B	$218.8B	$168.7B	$200.5B	$177.9B	$197.7B	$174.3B	$224.1B	$165.7B	$183.4B	$195.4B	$201.9B	$217.7B	$257.8B	$285.0B	$228.8B	$191.9B	$288.3B	$247.0B	$211.7B	$241.9B	$224.9B	$220.9B	$214.7B	$238.7B	$216.9B	$101.7B	$107.7B	$89.79B	$27.04B	$25.41B	$27.54B	$26.34B	$22.30B
YoY Change	-10.58%	13.22%	4.37%	29.68%	-15.84%	12.69%	-10.01%	13.39%	-22.22%	35.24%	-9.63%	-6.14%	-3.23%	-7.29%	-15.53%	-9.56%	24.56%	19.26%	-33.45%	16.73%	16.64%	-12.45%	7.52%	1.85%	2.87%	-10.05%	10.02%	113.23%	-5.56%	19.97%	232.14%	6.38%	-7.73%	4.56%	18.15%
Total Long-Term Liabilities	$517.8B	$530.1B	$477.4B	$479.5B	$412.0B	$422.0B	$395.3B	$382.2B	$357.8B	$447.2B	$372.8B	$406.5B	$507.9B	$564.8B	$557.7B	$550.0B	$625.2B	$517.3B	$409.4B	$496.2B	$409.7B	$338.7B	$363.5B	$336.7B	$309.3B	$263.4B	$286.1B	$260.2B	$129.4B	$132.7B	$114.9B	$51.12B	$53.09B	$54.19B	$53.17B	$48.93B
YoY Change	-2.33%	11.04%	-0.45%	16.41%	-2.37%	6.75%	3.41%	6.83%	-19.99%	19.95%	-8.29%	-19.95%	-10.09%	1.29%	1.4%	-12.04%	20.86%	26.37%	-17.5%	21.12%	20.96%	-6.83%	7.95%	8.85%	17.46%	-7.94%	9.95%	101.04%	-2.47%	15.44%	124.84%	-3.7%	-2.03%	1.91%	8.67%
Total Liabilities	$2200B	$2215B	$2089B	$2061B	$1758B	$1721B	$1642B	$1567B	$1509B	$1632B	$1676B	$1676B	$1696B	$1750B	$1704B	$1797B	$2074B	$1765B	$1382B	$1375B	$1166B	$1011B	$970.2B	$836.0B	$737.3B	$625.9B	$655.5B	$588.5B	$339.5B	$339.2B	$294.5B	$222.4B	$225.7B	$224.0B	$235.9B	$214.4B
YoY Change	-0.71%	6.03%	1.4%	17.22%	2.14%	4.84%	4.77%	3.82%	-7.51%	-2.63%	0.03%	-1.21%	-3.11%	2.73%	-5.17%	-13.36%	17.54%	27.73%	0.49%	17.91%	15.35%	4.19%	16.05%	13.39%	17.79%	-4.52%	11.39%	73.35%	0.07%	15.2%	32.4%	-1.45%	0.73%	-5.02%	10.04%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	1.930B shares	1.947B shares	2.033B shares	2.086B shares	2.249B shares	2.493B shares	2.699B shares	2.888B shares	3.004B shares	3.032B shares	3.036B shares	2.931B shares	2.910B shares	2.878B shares
Diluted Shares Outstanding	1.956B shares	1.964B shares	2.049B shares	2.099B shares	2.265B shares	2.495B shares	2.699B shares	2.888B shares	3.008B shares	3.037B shares	3.042B shares	3.016B shares	2.999B shares	2.968B shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $135.23 Billion

About CITIGROUP INC

Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. The company is headquartered in New York City, New York and currently employs 229,000 full-time employees. Its segments include Services, Markets, Banking, U.S. Personal Banking (USPB) and Wealth. Services segment includes treasury and trade solutions (TTS) and securities services. TTS provides an integrated suite of tailored cash management, trade and working capital solutions to multinational corporations, financial institutions and public sector organizations. Markets segment provides corporate, institutional and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products and commodities. Banking segment includes investment banking, which supports client capital-raising needs to help strengthen and grow their businesses. USPB segment includes branded cards and retail services, which have proprietary card portfolios and co-branded card portfolios. Wealth includes private bank, wealth at work and Citigold and provides financial services.

Industry: National Commercial Banks Peers: BANK OF AMERICA CORP /DE/ JPMORGAN CHASE & CO US BANCORP \DE\ WELLS FARGO & COMPANY/MN