CITIGROUP INC (C) Factsheet

CITIGROUP INC (C) Stock Analysis

Analysis from 10-Q filed 2026-11-05. Data as of Q3 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC N/A. FCF margin -1.9%. D/E 1.9x. Source: 10-Q filed 2026-11-05.

Metric	Value	Context
ROIC	N/A	Below expectations
FCF Margin	-1.9%	Cash flow pressure
Debt/Equity	1.9x	Elevated debt

FCF margin -1.9% — Bottom 25%.

Explore CITIGROUP INC: Earnings History | Overview

Programmatic access: Available via MCP at mcp.metricduck.com. Tools for C: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_section, get_metric_history, compare_companies, screen_filing_signals.

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Profitability: CITIGROUP INC earns N/A ROIC

ROIC TTM N/A. Source: 10-Q filed 2026-11-05.

Metric	C	Rating	Context
Return on Invested Capital (ROIC)	N/A	Red flag	Below cost of capital
Return on Equity (ROE)	9.1%	Adequate	Moderate equity returns

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Cash Flow: CITIGROUP INC generates $-1.7B FCF at -1.9% margin, positive NaN/8 quarters

FCF TTM $-1.7B. FCF margin -1.9%, Bottom 25%. OCF/Net income 0.2x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-11-05.

Metric	C	Rating	Context
Free Cash Flow Margin	-1.9%	Red flag	Thin cash margins
Free Cash Flow (TTM)	$-1.7B	Red flag	Cash burn
OCF/Net Income	0.2x	Warning	Potential accrual concerns
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

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Balance Sheet: CITIGROUP INC at 1.9x leverage, 3.9x interest coverage

Debt/Equity 1.9x. Total debt $407.3B, cash & investments $354.8B. Interest coverage 3.9x. Source: 10-Q filed 2026-11-05.

Metric	C	Rating	Context
Debt to Equity	1.9x	Warning	Elevated leverage
Net Cash Position	$-52.5B	Warning	Net debt position
Interest Coverage	3.9x	Adequate	Monitor debt obligations

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Valuation: CITIGROUP INC trades at 11.5x earnings

P/E 11.5x. EV/Sales 2.8x. FCF yield -0.8%. Dividend yield 2.0%. Source: 10-Q filed 2026-11-05.

Metric	C	Rating	Context
P/E Ratio	11.5x	Adequate	Reasonable valuation
EV/Sales	2.8x	Good	Attractive revenue multiple
FCF Yield	-0.8%	Warning	Lower cash yield
Dividend Yield	2.0%	Adequate	Growth focus over income

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Capital Allocation: CITIGROUP INC returns 11.4% shareholder yield, reducing shares 7.5% YoY

Total shareholder yield 11.4% (div 2.0% + buyback 8.7%). Share count -7.5% YoY. Capital returned $23.3B TTM. Source: 10-Q filed 2026-11-05.

Metric	C	Rating	Context
Total Shareholder Yield	11.4%	Excellent	Dividend + buyback yield combined
Buyback Yield	8.7%	Good	Active share repurchases
Share Count Change (YoY)	-7.5%	Good	Net share reduction (accretive)
Total Capital Returned (TTM)	$23.3B	Good	Dividends + buybacks returned to shareholders

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Sector Rankings

Metric	Value	Percentile	vs Median
Free Cash Flow Margin	-1.9%	Bottom 25%	-0.1x below
Return on Equity (ROE)	9.1%	Bottom 50%	0.9x below
P/E Ratio	11.5x	N/A	-

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Financial Scorecard

Metric	C	Rating	Sector Context
Free Cash Flow Margin	-1.9%	Red flag	Bottom 25% of sector (median: 28.4%)
Debt to Equity Ratio	194.5%	Warning	High financial leverage
P/E Ratio (Price-to-Earnings)	11.5x	Adequate	Attractively valued
Free Cash Flow Yield	-0.8%	Red flag	Growth-focused valuation

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Frequently Asked Questions

Q: What is CITIGROUP INC's Return on Invested Capital (ROIC)?

CITIGROUP INC (C) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Source: 10-Q filed 2026-11-05.

Q: What is CITIGROUP INC's Free Cash Flow Margin?

CITIGROUP INC (C) has a free cash flow margin of -1.9%, generating $-1.7 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-11-05.

Q: What is CITIGROUP INC's P/E ratio and how does it compare to peers?

CITIGROUP INC (C) trades at a P/E ratio of 11.5x, which is above the sector median of N/A. EV/Sales 2.8x. Source: 10-Q filed 2026-11-05.

Q: Does CITIGROUP INC pay a dividend?

CITIGROUP INC (C) currently pays a dividend yield of 2.0%. Total shareholder yield (dividend + buybacks) 11.4%. Source: 10-Q filed 2026-11-05.

Q: How much debt does CITIGROUP INC have?

CITIGROUP INC (C) has a debt-to-equity ratio of 1.9x with total debt of $407.3 billion. Interest coverage 3.9x. Net debt $52.5 billion. Source: 10-Q filed 2026-11-05.

Q: What is CITIGROUP INC's revenue and earnings growth?

CITIGROUP INC (C) grew revenue by 9.8% year-over-year. EPS +43.7% YoY. Source: 10-Q filed 2026-11-05.

Q: Is CITIGROUP INC buying back stock?

CITIGROUP INC (C) repurchased $17.8 billion of stock over the trailing twelve months. This represents a buyback yield of 8.7%. Share count -7.5% YoY. Source: 10-Q filed 2026-11-05.

Q: How does CITIGROUP INC compare to competitors in Financials?

Compared to other companies in Financials, CITIGROUP INC (C) shows: FCF margin -1.9%, sector median 28.4% (Bottom 25%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.

Q: What warning signs should I watch for with CITIGROUP INC?

Quantitative warning flags for CITIGROUP INC (C): 1) FCF margin -1.9% (below 5%); 2) debt/equity 1.9x (above 1.5x threshold); 3) interest coverage 3.9x (below 5x). Source: 10-Q filed 2026-11-05.

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Data Source: Data sourced from 10-Q filed 2026-11-05. TTM metrics as of Q3 2026.

Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.

Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.

This analysis is for informational purposes only and does not constitute investment advice.