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 的业务
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.
- 法定名称
- Citigroup Inc
- 财年结束日
- 2025年12月31日
- 最新年报
- 10-K · 2026年2月20日
- 登记号 · CIK
- 0000831001-26-000011
0000831001
营收与利润率
Citigroup 在 2025 财年 营收为 $85.2B，同比增长 5.6%。
净利润与每股收益
从 2016 财年到 2025 财年，稀释每股收益年均增长 4.5%。 亏损期间以红色显示。
回报率与效率
对银行而言，股本回报率和成本收入比(成本占收入的比例)最能说明经营状况。
股息、回购与股数
Citigroup 在 2025 财年 向股东返还 $18.6B。 稀释股数减少 3.5%。
自己评估 Citigroup
调整假设，查看对应的每股价值。这些是模型，不是预测或目标价，结果完全取决于你的输入。
盈利倍数
每股价值
—
参考倍数：当前 17.3x · 同业 12.7x · 板块 13.7x。
资产负债表
各财年末的贷款、存款与资本。
| 财年末 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| 贷款净额 | — | $640.2B | $671.2B | $675.9B | $733.0B |
| 存款 | $1.32T | $1.37T | $1.31T | $1.28T | $1.40T |
| 贷款 / 存款 | — | 46.9% | 51.3% | 52.6% | 52.2% |
| 总资产 | $2.29T | $2.42T | $2.41T | $2.35T | $2.66T |
| 股东权益 | $202.0B | $201.2B | $205.5B | $208.6B | $212.3B |
| 商誉 | $21.3B | $19.7B | $20.1B | $19.3B | $19.1B |
| 无形资产 | $4.5B | $4.4B | $4.4B | $4.5B | $4.3B |
| 拨备 / 贷款 | — | — | 1.2% | 1.4% | 1.4% |
内部人交易
高管、董事和持股超过 10% 的股东在公开市场的买卖，数据来自 Form 4 申报。“计划”表示依据事先制定的 Rule 10b5-1 计划进行的交易。
买入(12 个月)
$0.0M
0 名内部人士
卖出(12 个月)
$23.0M
8 名内部人士
卖出中按计划执行的比例
0%
$0.0M
| 日期 | 内部人士 | 交易 | 股数 | 股价 | 金额 | 文件 |
|---|---|---|---|---|---|---|
| 2026年5月8日 | John Cunningham DuganDirector | 卖出 | 2,117 | $125.30 | $0.3M | Form 4 |
| 2026年4月15日 | Edward SkylerHd of Ent Svc & Public Affairs | 卖出 | 25,000 | $131.41 | $3.3M | Form 4 |
| 2026年4月15日 | Nicole GilesChief Accounting Officer | 卖出 | 12,732 | $131.80 | $1.7M | Form 4 |
| 2026年2月20日 | Mark MasonChief Financial Officer | 卖出 | 3,627 | $114.71 | $0.4M | Form 4 |
| 2026年2月13日 | Cantu Ernesto TorresHead of International | 卖出 | 67,318 | $111.11 | $7.5M | Form 4 |
| 2026年2月12日 | Gonzalo LuchettiHead of U.S. Personal Banking | 卖出 | 19,974 | $115.03 | $2.3M | Form 4 |
| 2026年2月12日 | Pamela HabnerHead of U.S. Consumer Cards | 卖出 | 29,754 | $117.26 | $3.5M | Form 4 |
| 2026年2月11日 | Nicole GilesChief Accounting Officer | 卖出 | 16,792 | $119.04 | $2.0M | Form 4 |
| 2026年2月11日 | Sunil GargCEO, Citibank, N.a. | 卖出 | 18,000 | $118.49 | $2.1M | Form 4 |
相似公司
各公司最近一个财年的数据。各公司财年结束月份不同，因此期间并不完全一致。
| 公司 | 市值 | 增长 | 营业利润率 | 自由现金流利润率 | ROIC | 市盈率 | F 分数 | |
|---|---|---|---|---|---|---|---|---|
| Citigroup C | $225.9B | 5.6% | — | — | — | — | — | |
| JPMorgan Chase JPM | $922.3B | 2.8% | — | — | — | 14.2x | — | 比较 → |
| Bank of America BAC | $388.3B | 6.8% | — | — | — | 11.6x | — | 比较 → |
| Wells Fargo WFC | $267.1B | 1.7% | — | — | — | 12.0x | — | 比较 → |
| Goldman Sachs GS | $278.1B | 8.9% | — | — | — | 13.5x | — | 比较 → |
10 年数据
金额单位为 USD。将鼠标悬停在指标名称上可查看定义。
| 财年 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 利润表 | ||||||||||
| 营收 | $70.8B | $72.4B | $72.9B | $75.1B | $75.5B | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B |
| 净利息收入 | $45.5B | $45.1B | $46.6B | $48.1B | $44.8B | $42.5B | $48.7B | $54.9B | $54.1B | $59.8B |
| 非利息收入 | $25.3B | $27.4B | $26.3B | $26.9B | $30.8B | $29.4B | $26.7B | $23.2B | $26.6B | $25.4B |
| 非利息支出 | $42.3B | $42.2B | $41.8B | $42.8B | $44.4B | $48.2B | $51.3B | $56.0B | $53.6B | $55.1B |
| 信用损失拨备 | $7.0B | $7.5B | $7.6B | $8.2B | $15.9B | −$3.1B | $4.7B | $7.8B | $9.7B | $9.5B |
| 税前利润 | $21.5B | $22.8B | $23.4B | $23.9B | $13.6B | $27.5B | $18.8B | $12.9B | $17.0B | $19.8B |
| 所得税 | $6.4B | $29.4B | $5.4B | $4.4B | $2.5B | $5.5B | $3.6B | $3.5B | $4.2B | $5.4B |
| 净利润 | $14.9B | −$6.8B | $18.0B | $19.4B | $11.0B | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| 归属普通股股东的净利润 | $13.6B | −$8.0B | $16.7B | $18.2B | $9.9B | $20.8B | $13.7B | $7.9B | $11.5B | $13.0B |
| 稀释每股收益 | $4.72 | −$2.98 | $6.68 | $8.04 | $4.72 | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 |
| 稀释股数 | 2.89B | 2.70B | 2.49B | 2.27B | 2.10B | 2.05B | 1.96B | 1.96B | 1.94B | 1.87B |
| 现金流 | ||||||||||
| 股票回购 | $9.3B | $14.5B | $14.4B | $17.6B | $2.9B | $7.6B | $3.3B | $2.0B | $2.5B | $13.3B |
| 已付股息 | $2.3B | $3.8B | $5.0B | $5.4B | $5.4B | $5.2B | $5.0B | $5.2B | $5.2B | $5.4B |
| 股息与回购 | $11.6B | $18.3B | $19.5B | $23.0B | $8.3B | $12.8B | $8.3B | $7.2B | $7.7B | $18.6B |
| 资产负债表 | ||||||||||
| 贷款净额 | $612.3B | $654.7B | $671.9B | $686.7B | — | — | $640.2B | $671.2B | $675.9B | $733.0B |
| 存款 | $929.4B | $959.8B | $1.01T | $1.07T | $1.28T | $1.32T | $1.37T | $1.31T | $1.28T | $1.40T |
| 商誉 | $21.7B | $22.3B | $22.0B | $22.1B | $22.2B | $21.3B | $19.7B | $20.1B | $19.3B | $19.1B |
| 无形资产 | $5.1B | $5.1B | $5.2B | $4.8B | $4.7B | $4.5B | $4.4B | $4.4B | $4.5B | $4.3B |
| 总资产 | $1.79T | $1.84T | $1.92T | $1.95T | $2.26T | $2.29T | $2.42T | $2.41T | $2.35T | $2.66T |
| 优先股 | $19.3B | $19.3B | $18.5B | $18.0B | $19.5B | $19.0B | $19.0B | $17.6B | $17.9B | $20.1B |
| 股东权益 | $225.1B | $200.7B | $196.2B | $193.2B | $199.4B | $202.0B | $201.2B | $205.5B | $208.6B | $212.3B |
| 利润率 | ||||||||||
| 净利率 | 21.1% | −9.4% | 24.8% | 25.8% | 14.6% | 30.5% | 19.7% | 11.8% | 15.7% | 16.8% |
| 净利息收入占营收比例 | 64.2% | 62.2% | 63.9% | 64.1% | 59.3% | 59.1% | 64.6% | 70.3% | 67.0% | 70.2% |
| 成本收入比 | 59.8% | 58.3% | 57.4% | 57.0% | 58.8% | 67.0% | 68.1% | 71.7% | 66.4% | 64.7% |
| 回报率 | ||||||||||
| 股本回报率 | 6.7% | −3.2% | 9.1% | 10.0% | 5.6% | 10.9% | 7.4% | 4.5% | 6.1% | 6.8% |
| 资产回报率 | 0.9% | −0.4% | 1.0% | 1.0% | 0.5% | 1.0% | 0.6% | 0.4% | 0.5% | 0.6% |
| 有形股本回报率 | 7.6% | −4.8% | 11.0% | 12.2% | 6.6% | 13.4% | 8.7% | 4.9% | 6.9% | 7.8% |
| 增长 | ||||||||||
| 营收增长 | −7.3% | 2.3% | 0.6% | 3.0% | 0.6% | −4.8% | 4.8% | 3.6% | 3.4% | 5.6% |
| 净利润增长 | −13.5% | −145.6% | — | 7.5% | −43.1% | 98.7% | −32.4% | −37.8% | 37.4% | 12.8% |
| 每股收益增长 | −12.6% | −163.1% | — | 20.4% | −41.3% | 114.8% | −31.0% | −42.3% | 47.0% | 17.7% |
| 股数变化 | −4.0% | −6.6% | −7.6% | −9.2% | −7.3% | −2.4% | −4.2% | −0.4% | −0.8% | −3.5% |
| 财务健康 | ||||||||||
| 贷款 / 存款 | 65.9% | 68.2% | 66.3% | 64.1% | — | — | 46.9% | 51.3% | 52.6% | 52.2% |
| 拨备 / 贷款 | 1.2% | 1.2% | 1.1% | 1.2% | — | — | — | 1.2% | 1.4% | 1.4% |
来源：SEC EDGAR XBRL 文件 (CIK 0000831001). 数据更新于 2026年10月9日。 第四季度数据为全年减去前九个月。 仅供参考，不构成投资建议。依赖任何数字前，请核对原始文件。