CITIGROUP INC (C) Factsheet
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CITIGROUP INC (C) Stock Analysis
Analysis from 10-Q filed 2026-08-06. Data as of Q2 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin -26.8%. D/E 1.7x. Source: 10-Q filed 2026-08-06.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | -26.8% | Cash flow pressure |
| Debt/Equity | 1.7x | Elevated debt |
FCF margin -26.8% — Bottom 10%.
Explore CITIGROUP INC: Earnings History | Filings
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_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: CITIGROUP INC earns N/A ROIC
ROIC TTM N/A, sector median -19.5%. Source: 10-Q filed 2026-08-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of -19.5% |
| Return on Equity (ROE) | 8.4% | Adequate | Moderate equity returns |
Cash Flow: CITIGROUP INC generates $-24.5B FCF at -26.8% margin, positive NaN/8 quarters
FCF TTM $-24.5B. FCF margin -26.8%. OCF/Net income -1.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-08-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | -26.8% | Red flag | Thin cash margins |
| Free Cash Flow (TTM) | $-24.5B | Red flag | Cash burn |
| OCF/Net Income | -1.0x | Warning | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: CITIGROUP INC at 1.7x leverage, 3.6x interest coverage
Debt/Equity 1.7x. Net cash $5.0B. Interest coverage 3.6x. Source: 10-Q filed 2026-08-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Debt to Equity | 1.7x | Warning | Elevated leverage |
| Net Cash Position | $5.0B | Excellent | Net cash positive |
| Interest Coverage | 3.6x | Adequate | Monitor debt obligations |
Valuation: CITIGROUP INC trades at 13.8x earnings
P/E 13.8x. EV/Sales 2.3x. FCF yield -11.3%. Dividend yield 1.9%. Source: 10-Q filed 2026-08-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| P/E Ratio | 13.8x | Adequate | Reasonable valuation |
| EV/Sales | 2.3x | Good | Attractive revenue multiple |
| FCF Yield | -11.3% | Warning | Lower cash yield |
| Dividend Yield | 1.9% | Adequate | Growth focus over income |
Capital Allocation: CITIGROUP INC returns 11.6% shareholder yield, reducing shares 8.9% YoY
Total shareholder yield 11.6% (div 1.9% + buyback 9.1%). Share count -8.9% YoY. Capital returned $25.2B TTM. Source: 10-Q filed 2026-08-06.
| Metric | C | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 11.6% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 9.1% | Good | Active share repurchases |
| Share Count Change (YoY) | -8.9% | Good | Net share reduction (accretive) |
| Total Capital Returned (TTM) | $25.2B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | -26.8% | Bottom 10% | -1.0x below |
| Return on Equity (ROE) | 8.4% | Bottom 50% | 0.8x below |
| P/E Ratio | 13.8x | N/A | - |
Financial Scorecard
| Metric | C | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | -26.8% | Red flag | Thin cash margins |
| Debt to Equity Ratio | 170.5% | Warning | High financial leverage |
| P/E Ratio (Price-to-Earnings) | 13.8x | Adequate | Attractively valued |
| Free Cash Flow Yield | -11.3% | Red flag | Growth-focused valuation |
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. Sector median -19.5%. Source: 10-Q filed 2026-08-06.
Q: What is CITIGROUP INC's Free Cash Flow Margin?
CITIGROUP INC (C) has a free cash flow margin of -26.8%, generating $-24.5 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-08-06.
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 13.8x, which is above the sector median of N/A. EV/Sales 2.3x. Source: 10-Q filed 2026-08-06.
Q: Does CITIGROUP INC pay a dividend?
CITIGROUP INC (C) currently pays a dividend yield of 1.9%. Total shareholder yield (dividend + buybacks) 11.6%. Source: 10-Q filed 2026-08-06.
Q: How much debt does CITIGROUP INC have?
CITIGROUP INC (C) has a debt-to-equity ratio of 1.7x with total debt of $361.4 billion. Interest coverage 3.6x. Net cash position $5.0 billion. Source: 10-Q filed 2026-08-06.
Q: What is CITIGROUP INC's revenue and earnings growth?
CITIGROUP INC (C) grew revenue by 10.2% year-over-year. EPS +36.3% YoY. Source: 10-Q filed 2026-08-06.
Q: Is CITIGROUP INC buying back stock?
CITIGROUP INC (C) repurchased $19.8 billion of stock over the trailing twelve months. This represents a buyback yield of 9.1%. Share count -8.9% YoY. Source: 10-Q filed 2026-08-06.
Q: How does CITIGROUP INC compare to competitors in Financials?
Compared to other companies in Financials, CITIGROUP INC (C) shows: ROIC N/A, sector median -19.5% (N/Ax). FCF margin -26.8%, sector median 27.3%. 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 -26.8% (below 5%); 2) debt/equity 1.7x (above 1.5x threshold); 3) interest coverage 3.6x (below 5x). Source: 10-Q filed 2026-08-06.
Data Source: Data sourced from 10-Q filed 2026-08-06. TTM metrics as of Q2 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.