Citigroup
C NYSE Diversified Banks 金融 FY2016–FY2025
Citigroup's revenue rose 5.6% to $85.2 billion in fiscal 2025. Net income was $14.3 billion, up 12.8%. Its return on equity was 6.8%, up from 6.1% a year earlier. Its efficiency ratio was 64.7%, down from 66.4% a year earlier. It paid out $18.6 billion in dividends and buybacks. The diluted share count fell 3.5%.
Citigroupの事業内容
Citigroup, known as Citi, is a bank holding company that serves consumers, companies, governments and institutions in nearly 160 countries and jurisdictions. It offers consumer banking and credit cards, corporate and investment banking, securities trading, help with cash management and trade, and wealth management. Citigroup revenues were $85.2 billion in 2025, and its average deposits were about $1.4 trillion.
Citi reports five segments. Services handles payments, cash management and trade finance for large companies and institutions, and holds and services securities for investors. Markets buys and sells stocks, bonds, currencies and commodities for clients. Banking covers investment banking, such as raising money and advising on mergers, and corporate lending. Wealth serves rich and well-off clients in about 20 countries. U.S. Personal Banking runs Citi's own credit cards, cards made with partners such as Costco, American Airlines and The Home Depot, and branches in six U.S. metro areas. Citi says it competes with many financial and advisory firms and some non-financial companies.
At the end of 2025 Citi had about 226,000 full-time employees in over 90 countries, about 31% of them in the U.S. It is simplifying the company and leaving some markets: in December 2025 it sold 25% of Banamex, its Mexican banking unit, and it still plans to sell Banamex shares to the public.
- 正式名称
- Citigroup Inc
- 決算期末
- 2025年12月31日
- 最新の年次報告書
- 10-K · 2026年2月20日
- 受付番号 · CIK
- 0000831001-26-000011
0000831001
売上高と利益率
Citigroupの2025年度の売上高は$85.2Bで、前年比5.6%増でした。
純利益と1株当たり利益
2016年度から2025年度にかけて、希薄化後EPSは年率4.5%で成長しました。 赤字の期間は赤で表示しています。
収益性と効率性
銀行の場合、自己資本利益率と経費率(収益に対するコストの割合)が経営状態を最もよく表します。
配当、自社株買い、株式数
Citigroupは2025年度に$18.6Bを株主に還元しました。 希薄化後株式数は3.5%減少しました。
Citigroupを自分で評価
前提条件を変えて、1株あたりの価値を確認できます。これはモデルであり、予測や目標株価ではありません。結果は入力した値によって決まります。
利益倍率
1株当たり価値
—
参考倍率:現在 17.3x · 同業他社 12.7x · セクター 13.7x。
貸借対照表
各期末の貸出金、預金、資本。
| 期末 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| 貸出金(純額) | — | $640.2B | $671.2B | $675.9B | $733.0B |
| 預金 | $1.32T | $1.37T | $1.31T | $1.28T | $1.40T |
| 貸出金 / 預金 | — | 46.9% | 51.3% | 52.6% | 52.2% |
| 総資産 | $2.29T | $2.42T | $2.41T | $2.35T | $2.66T |
| 自己資本 | $202.0B | $201.2B | $205.5B | $208.6B | $212.3B |
| のれん | $21.3B | $19.7B | $20.1B | $19.3B | $19.1B |
| 無形資産 | $4.5B | $4.4B | $4.4B | $4.5B | $4.3B |
| 引当金 / 貸出金 | — | — | 1.2% | 1.4% | 1.4% |
インサイダー取引
役員、取締役、10%超保有者による市場内での売買(Form 4の届出に基づく)。「計画」は事前に定めたRule 10b5-1プランによる取引を示します。
買い(12か月)
$0.0M
インサイダー0人
売り(12か月)
$23.0M
インサイダー8人
売りのうち計画取引
0%
$0.0M
| 日付 | インサイダー | 取引 | 株数 | 株価 | 金額 | 書類 |
|---|---|---|---|---|---|---|
| 2026年5月8日 | John Cunningham DuganDirector | 売り | 2,117 | $125.30 | $0.3M | Form 4 |
| 2026年4月15日 | Edward SkylerHd of Ent Svc & Public Affairs | 売り | 25,000 | $131.41 | $3.3M | Form 4 |
| 2026年4月15日 | Nicole GilesChief Accounting Officer | 売り | 12,732 | $131.80 | $1.7M | Form 4 |
| 2026年2月20日 | Mark MasonChief Financial Officer | 売り | 3,627 | $114.71 | $0.4M | Form 4 |
| 2026年2月13日 | Cantu Ernesto TorresHead of International | 売り | 67,318 | $111.11 | $7.5M | Form 4 |
| 2026年2月12日 | Gonzalo LuchettiHead of U.S. Personal Banking | 売り | 19,974 | $115.03 | $2.3M | Form 4 |
| 2026年2月12日 | Pamela HabnerHead of U.S. Consumer Cards | 売り | 29,754 | $117.26 | $3.5M | Form 4 |
| 2026年2月11日 | Nicole GilesChief Accounting Officer | 売り | 16,792 | $119.04 | $2.0M | Form 4 |
| 2026年2月11日 | Sunil GargCEO, Citibank, N.a. | 売り | 18,000 | $118.49 | $2.1M | Form 4 |
類似企業
各社の直近会計年度のデータです。決算月が異なるため、期間は完全には一致しません。
| 企業 | 時価総額 | 成長率 | 営業利益率 | FCFマージン | ROIC | PER | Fスコア | |
|---|---|---|---|---|---|---|---|---|
| Citigroup C | $225.9B | 5.6% | — | — | — | — | — | |
| JPMorgan Chase JPM | $922.3B | 2.8% | — | — | — | 14.2x | — | 比較 → |
| Bank of America BAC | $388.3B | 6.8% | — | — | — | 11.6x | — | 比較 → |
| Wells Fargo WFC | $267.1B | 1.7% | — | — | — | 12.0x | — | 比較 → |
| Goldman Sachs GS | $278.1B | 8.9% | — | — | — | 13.5x | — | 比較 → |
10年分のデータ
金額はUSD建て。指標名にカーソルを合わせると定義が表示されます。
| 会計年度 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 損益計算書 | ||||||||||
| 売上高 | $70.8B | $72.4B | $72.9B | $75.1B | $75.5B | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B |
| 資金利益 | $45.5B | $45.1B | $46.6B | $48.1B | $44.8B | $42.5B | $48.7B | $54.9B | $54.1B | $59.8B |
| 非金利収益 | $25.3B | $27.4B | $26.3B | $26.9B | $30.8B | $29.4B | $26.7B | $23.2B | $26.6B | $25.4B |
| 非金利費用 | $42.3B | $42.2B | $41.8B | $42.8B | $44.4B | $48.2B | $51.3B | $56.0B | $53.6B | $55.1B |
| 貸倒引当金繰入額 | $7.0B | $7.5B | $7.6B | $8.2B | $15.9B | −$3.1B | $4.7B | $7.8B | $9.7B | $9.5B |
| 税引前利益 | $21.5B | $22.8B | $23.4B | $23.9B | $13.6B | $27.5B | $18.8B | $12.9B | $17.0B | $19.8B |
| 法人税 | $6.4B | $29.4B | $5.4B | $4.4B | $2.5B | $5.5B | $3.6B | $3.5B | $4.2B | $5.4B |
| 純利益 | $14.9B | −$6.8B | $18.0B | $19.4B | $11.0B | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| 普通株主に帰属する純利益 | $13.6B | −$8.0B | $16.7B | $18.2B | $9.9B | $20.8B | $13.7B | $7.9B | $11.5B | $13.0B |
| 希薄化後EPS | $4.72 | −$2.98 | $6.68 | $8.04 | $4.72 | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 |
| 希薄化後株式数 | 2.89B | 2.70B | 2.49B | 2.27B | 2.10B | 2.05B | 1.96B | 1.96B | 1.94B | 1.87B |
| キャッシュフロー | ||||||||||
| 自社株買い | $9.3B | $14.5B | $14.4B | $17.6B | $2.9B | $7.6B | $3.3B | $2.0B | $2.5B | $13.3B |
| 支払配当金 | $2.3B | $3.8B | $5.0B | $5.4B | $5.4B | $5.2B | $5.0B | $5.2B | $5.2B | $5.4B |
| 配当と自社株買い | $11.6B | $18.3B | $19.5B | $23.0B | $8.3B | $12.8B | $8.3B | $7.2B | $7.7B | $18.6B |
| 貸借対照表 | ||||||||||
| 貸出金(純額) | $612.3B | $654.7B | $671.9B | $686.7B | — | — | $640.2B | $671.2B | $675.9B | $733.0B |
| 預金 | $929.4B | $959.8B | $1.01T | $1.07T | $1.28T | $1.32T | $1.37T | $1.31T | $1.28T | $1.40T |
| のれん | $21.7B | $22.3B | $22.0B | $22.1B | $22.2B | $21.3B | $19.7B | $20.1B | $19.3B | $19.1B |
| 無形資産 | $5.1B | $5.1B | $5.2B | $4.8B | $4.7B | $4.5B | $4.4B | $4.4B | $4.5B | $4.3B |
| 総資産 | $1.79T | $1.84T | $1.92T | $1.95T | $2.26T | $2.29T | $2.42T | $2.41T | $2.35T | $2.66T |
| 優先株式 | $19.3B | $19.3B | $18.5B | $18.0B | $19.5B | $19.0B | $19.0B | $17.6B | $17.9B | $20.1B |
| 自己資本 | $225.1B | $200.7B | $196.2B | $193.2B | $199.4B | $202.0B | $201.2B | $205.5B | $208.6B | $212.3B |
| 利益率 | ||||||||||
| 純利益率 | 21.1% | −9.4% | 24.8% | 25.8% | 14.6% | 30.5% | 19.7% | 11.8% | 15.7% | 16.8% |
| 収益に占める資金利益 | 64.2% | 62.2% | 63.9% | 64.1% | 59.3% | 59.1% | 64.6% | 70.3% | 67.0% | 70.2% |
| 経費率 | 59.8% | 58.3% | 57.4% | 57.0% | 58.8% | 67.0% | 68.1% | 71.7% | 66.4% | 64.7% |
| 収益性 | ||||||||||
| 自己資本利益率 | 6.7% | −3.2% | 9.1% | 10.0% | 5.6% | 10.9% | 7.4% | 4.5% | 6.1% | 6.8% |
| 総資産利益率 | 0.9% | −0.4% | 1.0% | 1.0% | 0.5% | 1.0% | 0.6% | 0.4% | 0.5% | 0.6% |
| 有形自己資本利益率 | 7.6% | −4.8% | 11.0% | 12.2% | 6.6% | 13.4% | 8.7% | 4.9% | 6.9% | 7.8% |
| 成長率 | ||||||||||
| 売上高成長率 | −7.3% | 2.3% | 0.6% | 3.0% | 0.6% | −4.8% | 4.8% | 3.6% | 3.4% | 5.6% |
| 純利益成長率 | −13.5% | −145.6% | — | 7.5% | −43.1% | 98.7% | −32.4% | −37.8% | 37.4% | 12.8% |
| EPS成長率 | −12.6% | −163.1% | — | 20.4% | −41.3% | 114.8% | −31.0% | −42.3% | 47.0% | 17.7% |
| 株式数の変化 | −4.0% | −6.6% | −7.6% | −9.2% | −7.3% | −2.4% | −4.2% | −0.4% | −0.8% | −3.5% |
| 財務の健全性 | ||||||||||
| 貸出金 / 預金 | 65.9% | 68.2% | 66.3% | 64.1% | — | — | 46.9% | 51.3% | 52.6% | 52.2% |
| 引当金 / 貸出金 | 1.2% | 1.2% | 1.1% | 1.2% | — | — | — | 1.2% | 1.4% | 1.4% |
出典:SEC EDGAR XBRL提出書類 (CIK 0000831001). 2026年10月9日更新。 第4四半期は通期から最初の9か月を差し引いた値です。 情報提供のみを目的としており、投資助言ではありません。数字を利用する前に原本の書類を確認してください。