1C Stock Financial Analysis - Citigroup Inc. (BIT) Stock

Overview

Citigroup Inc., based in the United States, primarily operates in the banking and financial services industry. As one of the largest banking institutions globally, it offers a broad spectrum of financial products and services including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Citigroup's major projects are focused on expanding digital banking, enhancing its global presence, and increasing investment in technology to improve customer service and operational efficiency. In response to evolving market demands, Citigroup has been actively involved in significant restructuring efforts aimed at streamlining its operations and refocusing on its core banking activities to foster sustainable growth and financial stability.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Citigroup Inc. as of June 30, 2025 is 72,825.00 MM.
The operating income for Citigroup Inc. as of June 30, 2025 is 19,072.00 MM.
The net income for Citigroup Inc. as of June 30, 2025 is 14,177.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	72,825.00	19,072.00	14,177.00
2025-03-31	71,585.00	18,255.00	13,375.00
2024-12-31	71,363.00	17,525.00	12,682.00
2024-09-30	69,058.00	13,892.00	7,987.00
2024-06-30	69,501.00	14,280.00	8,295.00
2024-03-31	69,624.00	13,947.00	7,993.00
2023-12-31	70,700.00	15,390.00	9,228.00
2023-09-30	71,960.00	18,190.00	13,580.00
2023-06-30	70,804.00	17,795.00	13,513.00
2023-03-31	71,359.00	19,719.00	15,145.00
2022-12-31	70,560.00	18,771.00	14,845.00
2022-09-30	71,142.00	19,581.00	15,505.00
2022-06-30	71,611.00	21,049.00	16,670.00
2022-03-31	72,761.00	22,426.00	18,316.00
2021-12-31	74,990.00	27,469.00	21,952.00
2021-09-30	77,494.00	28,960.00	23,088.00
2021-06-30	74,773.00	27,052.00	21,590.00
2021-03-31	66,381.00	20,813.00	16,453.00
2020-12-31	59,572.00	13,632.00	11,047.00
2020-09-30	56,513.00	13,893.00	11,717.00

Income Statement: EPS

The earnings per share basic for Citigroup Inc. as of June 30, 2025 is 6.86.
The earnings per share diluted for Citigroup Inc. as of June 30, 2025 is 6.76.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	6.86	6.76
2025-03-31	6.42	6.33
2024-12-31	6.03	5.94
2024-09-30	3.51	3.48
2024-06-30	3.63	3.61
2024-03-31	3.44	3.42
2023-12-31	4.07	4.04
2023-09-30	6.35	6.30
2023-06-30	6.35	6.30
2023-03-31	7.21	7.17
2022-12-31	7.04	7.00
2022-09-30	7.34	7.29
2022-06-30	7.87	7.82
2022-03-31	8.56	8.51
2021-12-31	10.21	10.14
2021-09-30	10.62	10.56
2021-06-30	9.80	9.75
2021-03-31	7.32	7.29
2020-12-31	4.74	4.72
2020-09-30	5.00	4.98

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Citigroup Inc. as of June 30, 2025 is -87,165.00 MM.
The cash from investing activities for Citigroup Inc. as of June 30, 2025 is 10,188.00 MM.
The cash from financing activities for Citigroup Inc. as of June 30, 2025 is 160,150.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-87,165.00	10,188.00	160,150.00
2025-03-31	-67,546.00	-27,577.00	134,321.00
2024-12-31	-19,669.00	86,250.00	-38,304.00
2024-09-30	-49,131.00	40,035.00	54,735.00
2024-06-30	-16,663.00	-24,063.00	-4,621.00
2024-03-31	-53,762.00	9,458.00	-2,728.00
2023-12-31	-73,416.00	-8,459.00	687.00
2023-09-30	-55,937.00	-6,200.00	21,149.00
2023-06-30	-73,719.00	24,076.00	66,237.00
2023-03-31	3,831.00	-43,708.00	95,175.00
2022-12-31	25,069.00	-79,455.00	137,763.00
2022-09-30	161.00	-41,925.00	20,974.00
2022-06-30	37,771.00	-93,449.00	43,103.00
2022-03-31	14,645.00	-108,632.00	42,371.00
2021-12-31	47,090.00	-110,746.00	17,272.00
2021-09-30	60,818.00	-124,181.00	65,429.00
2021-06-30	22,150.00	-81,734.00	50,486.00
2021-03-31	28,110.00	-63,389.00	75,492.00
2020-12-31	-23,488.00	-92,445.00	233,595.00
2020-09-30	267.00	-94,482.00	197,814.00

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for Citigroup Inc. as of June 30, 2025 is 0.01.
The roe for Citigroup Inc. as of June 30, 2025 is 0.07.
The roic for Citigroup Inc. as of June 30, 2025 is 0.01.
The croic for Citigroup Inc. as of June 30, 2025 is 0.04.
The ocroic for Citigroup Inc. as of June 30, 2025 is -0.07.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.07	0.01	0.04	-0.07
2025-03-31	0.01	0.06	0.01	0.02	-0.02
2024-12-31	0.00	0.04	0.01	0.06	-0.06
2024-09-30	0.00	0.04	0.01	0.06	-0.06
2024-06-30	0.00	0.04	0.01	-0.06	-0.06
2024-03-31	0.00	0.05	0.01	-0.10	-0.09
2023-12-31	0.01	0.07	0.02	-0.06	-0.07
2023-09-30	0.01	0.07	0.02	0.02	-0.09
2023-06-30	0.01	0.07	0.02	0.02	-0.09
2023-03-31	0.01	0.08	0.02	0.06	0.00
2022-12-31	0.01	0.08	0.02	-0.03	-0.00
2022-09-30	0.01	0.08	0.02	-0.03	-0.00
2022-06-30	0.01	0.08	0.02	-0.02	0.05
2022-03-31	0.01	0.09	0.03	-0.07	0.03
2021-12-31	0.01	0.11	0.03	-0.07	0.09
2021-09-30	0.01	0.12	0.03	0.00	0.09
2021-06-30	0.01	0.11	0.03	-0.01	0.03
2021-03-31	0.01	0.09	0.02	0.05	0.04
2020-12-31	0.01	0.06	0.01	0.15	-0.03
2020-09-30	0.01	0.06	0.02	0.13	0.00

Gross Margins

The gross margin for Citigroup Inc. as of June 30, 2025 is 1.00.
The net margin for Citigroup Inc. as of June 30, 2025 is 0.19.
The operating margin for Citigroup Inc. as of June 30, 2025 is 0.25.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.19	0.25
2025-03-31	1.00	0.18	0.24
2024-12-31	1.00	0.12	0.18
2024-09-30	1.00	0.12	0.18
2024-06-30	1.00	0.11	0.18
2024-03-31	1.00	0.13	0.19
2023-12-31	1.00	0.19	0.25
2023-09-30	1.00	0.19	0.25
2023-06-30	1.00	0.19	0.25
2023-03-31	1.00	0.21	0.28
2022-12-31	1.00	0.22	0.27
2022-09-30	1.00	0.22	0.27
2022-06-30	1.00	0.23	0.29
2022-03-31	1.00	0.25	0.31
2021-12-31	1.00	0.29	0.37
2021-09-30	1.00	0.31	0.39
2021-06-30	1.00	0.30	0.38
2021-03-31	1.00	0.25	0.32
2020-12-31	1.00	0.19	0.23
2020-09-30	1.00	0.20	0.24

MX:C
PE:C
CL:C
CH:C
CO:C
DE:TRVC	€83.05
US:C	$95.40
GB:0R01	$97.40
GB:TRVCD
AT:CITI
CL:CCL
KZ:C_KZ	$97.00