🫧 Edgar looked up Citigroup Inc ($C). Last filing: 8-K (9.01 Financial Statements and Exhibits), 2026-09-24. 16 event filings (8-K) in the past twelve months.
🔖 Exposure: revenue $85.2B (FY2025), total debt $315.8B. Experience: revenue up 5.6% on the year, up 4.3% a year over 4 years. Soundness: equity 8.0% of assets, return on equity 6.8%, payout 37.2% of profit. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $81.1B and $92.3B next year (method v4.1: its own 4-year record of growth weighed at 50% against $10B+ filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $76.6B to $97.2B. A statistical range, not company guidance. Against peers (20 filers, $50M+ revenue, national commercial banks): growth 5.6% against 7.2%.
Gold is paid out to shareholders; navy is kept in the business. Retained profit times return on equity is the pace a company can fund from itself. Facts from the filings, not a recommendation.
| Fiscal year end | 2025-12-31 |
| Revenue | $85.2B |
| Revenue, on the year | 5.6% |
| Revenue, a year over the record | 4.3% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 17.0% |
| Research and development | not filed separately |
| Free cash flow | −$74.2B |
| Cash | $349.6B |
| Total debt | $315.8B |
| Equity of assets | 8.0% |
| Return on equity | 6.8% |
| Payout of profit | 37.2% |
| Dividend per share | — |
| Earnings per share | $7.11 |
| Book value per share | $113.34 |
| Revenue per share | $45.50 |
| Shares outstanding | 1,873,100,000 |
| Audited years read | 5 |
Peers: the median of 20 filers with $50M+ revenue in national commercial banks.
Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt.
Sailing speed follows growth: 4.2% a year crosses the harbor in 67 seconds.
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
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| Cash conversion (operating cash ÷ revenue) | -79.4% |
| Growth speed (3 years, per year) | 4.2% |
| Revenue swing (std-dev of yearly growth) | 1.0% |
| Speed and steadiness | Slow and steady |
| Common dividend | paid, raised on the year |
| Equity of assets | 8.0% |
Citigroup is growing slower than its size class, with steadier revenue. SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class.
Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company
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