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Company Dossier · Financials

Citigroup Inc.

CNYSEDiversified BanksWILMINGTON, US-DE, USMega capWebsite ↗
  • S&P 500
  • S&P 100
  • Russell 1000

What Citigroup Inc. is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.

Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →

The latest read

Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.

  • Revenue over the four quarters to December 31, 2025: $85.2 billion, up 5.6% from a year earlier.SEC EDGAR filings (XBRL)
  • Free cash flow (operating cash flow minus capital expenditure) over the four quarters to December 31, 2025: −$74.2 billion.SEC EDGAR filings (XBRL)
  • Capital expenditure over the four quarters to December 31, 2025: $6.52 billion, up 0.3% from a year earlier.SEC EDGAR filings (XBRL)
  • Share buybacks in the fiscal year to December 31, 2025: $13.3 billion.SEC EDGAR filings (10-K)
  • Long-term debt issued in the fiscal year to December 31, 2025: $122 billion.SEC EDGAR filings (10-K)
  • Latest earnings call or results release (October 13, 2026): sentiment 0.40 on a −1 to +1 scale (mixed), confidence 0.70 of 1.Palanor Discourse
  • Latest annual report (filed February 20, 2026): 2 risk factors added, 0 removed.Risk Factor Changes (10-K Item 1A)
  • Insiders were net sellers in Q2 2026: $5.2 million on the open market.SEC Form 4
  • 2,651 institutional managers reported a position at June 30, 2026 (+175 on the quarter before).SEC Form 13F
  • H-1B filings certified in Q2 2026: 634 (527 a year earlier).U.S. Department of Labor (OFLC)

Company Posture

How Company Posture is measured →

What Citigroup Inc. is doing, on three axes, from its filings and its own words, as of 2026-10-22. A description, not a rating: Company Posture never says whether to buy.

Expanding ↔ Retrenching

Withheld: 50% of the evidence is readable at this date (needs 60%).

Confident ↔ Hedging

Hedging

HedgingConfident

Pressure

Components only: Not yet shown as a score: in the back-test it did not add to a naive reader's forecast of impairment, debt acceleration or bankruptcy filings (8-K 2.06, 2.04, 1.03) (not enough events (17 in half 1; needs 20)).

Credit

How these are built →

Citigroup Inc.'s borrowing from its SEC filings: the bonds it priced and the debt on its latest balance sheet. A description, not a rating.

Bonds priced, last 12 months

$12.0B

U.S. dollar tranches with a term sheet on EDGAR. Deals sold under Rule 144A file none and are not counted.

PricedAmountCouponMaturesSpreadYield
Oct 19, 2026€1.25B4.462%2033 (7y)+121bp4.462%
Oct 19, 2026€1.5B4.135%2030 (4y)+98bp4.135%
Sep 17, 2026$500MSOFR + 68bp2029 (3y)+68bp—
Sep 17, 2026$3.5B5.266%2029 (3y)+60bp5.266%
Sep 17, 2026$4.5B5.860%2037 (11y)+93bp5.860%
Sep 17, 2026$3.5B5.583%2032 (6y)+80bp5.583%
Oct 15, 2025€1.5B3.493%2034 (9y)+108bp3.493%
Oct 15, 2025€1.25B2.928%2030 (5y)+85bp2.928%
Sep 4, 2025$3B4.503%2031 (6y)+85bp4.503%
Sep 4, 2025$500MSOFR + 117bp2031 (6y)+117bp—
Sep 4, 2025$3B5.174%2036 (11y)+100bp5.174%
Jul 16, 2025€900M4.296%2036 (11y)+165bp4.296%

From the pricing term sheets Citigroup Inc. filed with the SEC. Spread is to the benchmark Treasury (or Bund, Gilt) at pricing.

Charts

Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.

Cash flow

Business

Citigroup Inc.: free cash flow, trailing twelve months

Operating cash flow minus capital expenditure, $ billions, from SEC filings

−$74.2BData to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Citigroup Inc.: operating cash flow and capital expenditure

Trailing twelve months, $ billions, from SEC filings

Data to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Citigroup Inc.: revenue, trailing twelve months

$ billions, from SEC filings

$85.2BData to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR

Capital returned and raised

Business

Citigroup Inc.: share buybacks by fiscal year

Cash paid to repurchase common stock, $ billions, from the 10-K

$13.3BData to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Citigroup Inc.: debt issued and repaid by fiscal year

Long-term debt, $ billions, from the 10-K

Data to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Citigroup Inc.: debt maturity schedule, latest annual report

Scheduled repayments of long-term debt principal by year from the fiscal year end, $ billions, from the 10-K

Data to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Citigroup Inc.: debt due within a year and cash

At each balance-sheet date, $ billions, from SEC filings

Data to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Citigroup Inc.: interest coverage

Operating income ÷ interest expense, trailing twelve months, from SEC filings

1.2Data to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR

What the company says

Business

Citigroup Inc.: earnings call sentiment

Palanor Discourse score per call, −1 to +1

0.40Data 10 days ago
ImageDataPalanor calculation
Business

Citigroup Inc.: earnings call confidence

Palanor Discourse score per call, 0 to 1

0.70Data 10 days ago
ImageDataPalanor calculation
Business

Citigroup Inc.: risk factors added per annual report

New Item 1A risk factors in each 10-K

2.0Data to Feb 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR

Hiring and ownership

Business

Citigroup Inc.: H-1B filings certified

Labor Condition Applications by quarter received

634.0Data to Jun 2026
ImageDataU.S. Department of Labor, Office of Foreign Labor Certification disclosure data, dol.gov
Business

Citigroup Inc.: insider net buying

Open-market purchases minus sales by officers and directors, $ millions, by quarter

−$5.2MData to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Citigroup Inc.: institutional holders

Managers reporting a position on Form 13F, by quarter

2,651Data to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR

In the news

Headlines that name Citigroup Inc., with the publisher and a link. The tone is read from each headline’s own words, never from a summary of the article.

30 days
2 headlines
0% positive · 0% negative
90 days
2 headlines
0% positive · 0% negative

Filings and records

The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.

  1. Oct 21, 2026Lobbying
    Lobbying report (STERNHELL GROUP)third_quarter 2026 · $0.1 million
  2. Oct 21, 2026Lobbying
    Lobbying report (HARBINGER STRATEGIES, LLC)third_quarter 2026 · $0.1 million
  3. Oct 21, 2026Lobbying
    Lobbying report (CITIGROUP WASHINGTON, INC.)third_quarter 2026 · $1.3 million
  4. Oct 20, 2026Lobbying
    Lobbying report (CITIGROUP WASHINGTON, INC.)fourth_quarter 2025 · $1.3 million
  5. Oct 20, 2026Lobbying
    Lobbying report (BGR GOVERNMENT AFFAIRS)third_quarter 2026 · $0.1 million
  6. Oct 20, 2026Lobbying
    Lobbying report (MEHLMAN CONSULTING, INC.)third_quarter 2026 · $0.1 million
  7. Oct 20, 2026Patent
    Patent granted: SYSTEMS AND METHODS FOR MITIGATING LATENCY ISSUES BETWEEN CLOUD COMPUTING COMPONENTS FEATURING RELATIONAL DATABASES WITHOUT REQUIRING SESSION PERSISTENCE USING STATE-SPECIFIC COMMUNICATION REFERENCE DIRECTORIESUS 12771653
  8. Oct 20, 2026Patent
    Patent granted: HIERARCHY-BASED BLOCKCHAINUS 12770143
  9. Oct 20, 2026Patent
    Patent granted: SYSTEMS AND METHODS FOR DETECTING REAL-TIME DELAYS IN ELECTRONIC COMMUNICATIONS OVER COMPUTER NETWORKS IN AN ONGOING MANNER AND IN ENVIRONMENTS IN WHICH USERS HAVE NO ACCESS TO INTERMEDIARY DEVICES USING A PARALLEL PROCESSING STREAMUS 12771737
  10. Oct 19, 2026Lobbying
    Lobbying report (ERNST & YOUNG LLP (WASHINGTON COUNCIL ERNST & YOUNG))third_quarter 2026
  11. Oct 19, 2026Lobbying
    Lobbying report (CORNERSTONE GOVERNMENT AFFAIRS, INC.)third_quarter 2026 · $0.1 million
  12. Oct 13, 2026Patent
    Patent granted: DYNAMIC MULTI-MODEL MONITORING AND VALIDATION FOR ARTIFICIAL INTELLIGENCE MODELSUS 12762253
  13. Oct 13, 2026Patent
    Patent granted: PEER-TO-PEER AUTHENTICATION WITH A SECURE CHANNEL COMMUNICATIONUS 12764110
  14. May 21, 20268-K
    Director or officer changeItem 5.02
  15. May 21, 20268-K
    Shareholder vote resultsItem 5.07
  16. Feb 20, 202610-K
    Annual report (10-K)2 risk factors added, 0 removed
  17. Nov 20, 20258-K
    Director or officer changeItem 5.02
  18. Oct 22, 20258-K
    Director or officer changeItem 5.02
  19. Sep 24, 20258-K
    Material impairmentItem 2.06
  20. Jun 18, 20258-K
    Director or officer changeItem 5.02
  21. May 1, 20258-K
    Director or officer changeItem 5.02
  22. May 1, 20258-K
    Shareholder vote resultsItem 5.07
  23. Feb 21, 202510-K
    Annual report (10-K)0 risk factors added, 0 removed
  24. Feb 18, 20258-K
    Director or officer changeItem 5.02
  25. Feb 3, 20258-K
    Director or officer changeItem 5.02
  26. Feb 23, 202410-K
    Annual report (10-K)0 risk factors added, 1 removed

Peers

Companies in the same industry in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.

CompanyRevenueFree cash flowThrough
Bank of America Corp. BAC$119B—Jun 30, 2026
U.S. Bancorp USB$29.7B—Jun 30, 2026
PNC Financial Services PNC$25.0B—Jun 30, 2026
JPMorgan Chase & Co. JPM———
Truist Financial TFC———
Wells Fargo & Company WFC———
Progressive Corporation PGR$91.1B$15.9BJun 30, 2026
Allstate ALL$70.1B$12.3BJun 30, 2026

Identity

SEC CIK
831001
LEI
6SHGI4ZSSLCXXQSBB395
Wikidata
Q219508
SAM UEI
PBTJLML7S6L6
SAM UEI
DUV2C6GUNKM6

Built from SEC EDGAR filings (public domain), the Guidance and KPI Ledgers, Palanor Discourse, U.S. Department of Labor filings, USPTO, USAspending and Senate lobbying records, and rights-checked news headlines. Updated nightly; this page was built Oct 22, 2026. How the Dossier is built

S&P 500, S&P 100, S&P MidCap 400 and Dow Jones Industrial Average are trademarks of S&P Dow Jones Indices LLC or its affiliates; Nasdaq-100 is a trademark of Nasdaq, Inc.; Russell 1000 is a trademark of FTSE Russell. Membership is shown for identification only. Palanor is not affiliated with or endorsed by the index owners.

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