CITIGROUP INC

C 10-Q · Q2 2025

C Q2 2025 request

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Income Statement

Income Statement
Metric Q2 2025 Q2 2024 YoY
Revenue (Q)
Show Product Lines breakouts
Commissions and fees -2,918 -2,833 -3.0%
Revenue 21,668 20,032 +8.2%
Show Business Segments breakouts
Banking · Operating Segments 1,921 1,627 +18.1%
Markets · Operating Segments 5,879 5,086 +15.6%
Services · Operating Segments 5,062 4,675 +8.3%
USPB · Operating Segments 5,119 4,832 +5.9%
Wealth · Operating Segments 2,166 1,807 +19.9%
Show Consolidation Items breakouts
Corporate Non Segment 1,698 1,972 -13.9%
Material Reconciling Items -177 33 -636.4%
Other Non-Operating Income (Expense) -884 62 -1525.8%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Interest Rate Contract 168 260 -35.4%
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 168 261 -35.6%
Income Before Taxes 5,219 4,310 +21.1%
Show Equity Components breakouts
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -136 -14 -871.4%
Aoci Derivative Qualifying As Hedge Excluded Component Parent · Reclassification Out Of Accumulated Other Comprehensive Income 2 -1 +300.0%
Income Tax Expense (Benefit) 1,186 1,047 +13.3%
Show Business Segments breakouts
Banking · Operating Segments 150 119 +26.1%
Markets · Operating Segments 513 323 +58.8%
Services · Operating Segments 582 475 +22.5%
USPB · Operating Segments 204 41 +397.6%
Wealth · Operating Segments 140 71 +97.2%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 40 63 -36.5%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -36
Show Consolidation Items breakouts
Corporate Non Segment -364 35 -1140.0%
Material Reconciling Items -39 -17 -129.4%
Net Income 4,033 3,263 +23.6%
Show Equity Components breakouts
Noncontrolling Interest 14 46 -69.6%
Retained Earnings 4,019 3,217 +24.9%
Net Income 4,019 3,217 +24.9%
Comprehensive Income 5,955 2,269 +162.5%
Other Comprehensive Income 1,936 -948 +304.2%
EPS (Basic) 1.98 1.54 +28.6%
EPS (Diluted) 1.96 1.52 +28.9%
Wtd Avg Shares (Basic) 1,855.9 1,907.7 -2.7%
Wtd Avg Shares (Diluted) 1,893.1 1,945.7 -2.7%
Other Noninterest Expense 1,277 1,723 -25.9%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment Net Prior Service Cost Credit · Reclassification Out Of Accumulated Other Comprehensive Income 5 5 0.0%
Accumulated Defined Benefit Plans Adjustment Net Unamortized Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -66 -64 -3.1%
Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income -61 -61 0.0%
Show Litigation Case breakouts
Silicon Valley Bank And Signature Bank 20 34 -41.2%
Net Income Loss Attributable To Noncontrolling Interest 14 46 -69.6%
Communications And Information Technology 2,290 2,238 +2.3%
Labor And Related Expense 7,633 6,888 +10.8%
Marketing And Advertising Expense 269 280 -3.9%
Occupancy Net 615 597 +3.0%
Policyholder Benefits And Claims Incurred Net 26 18 +44.4%
Professional Fees 510 449 +13.6%
Interest And Dividend Income Operating 35,859 35,987 -0.4%
Interest Expense Operating 20,684 22,494 -8.0%
Interest Income Expense Net 15,175 13,493 +12.5%
Show Business Segments breakouts
Banking · Operating Segments 530 527 +0.6%
Markets · Operating Segments 2,902 2,038 +42.4%
Services · Operating Segments 3,630 3,225 +12.6%
USPB · Operating Segments 5,471 5,103 +7.2%
Wealth · Operating Segments 1,278 1,047 +22.1%
Show Consolidation Items breakouts
Corporate Non Segment 1,364 1,553 -12.2%
Principal Transactions Revenue 3,406 2,874 +18.5%
Show Trading Activity By Type breakouts
Commodity and other contracts 272 321 -15.3%
Credit Risk Contract -155 163 -195.1%
Equity Contract 303 686 -55.8%
Foreign Exchange Contract 2,323 1,335 +74.0%
Interest Rate Contract 663 369 +79.7%
Noninterest Income 6,493 6,539 -0.7%
Show Business Segments breakouts
Banking · Operating Segments 1,391 1,100 +26.5%
Markets · Operating Segments 2,977 3,048 -2.3%
Services · Operating Segments 1,432 1,450 -1.2%
USPB · Operating Segments -352 -271 -29.9%
Wealth · Operating Segments 888 760 +16.8%
Show Consolidation Items breakouts
Corporate Non Segment 334 419 -20.3%
Material Reconciling Items -177 33 -636.4%
Noninterest Expense 13,577 13,246 +2.5%
Show Business Segments breakouts
Banking · Operating Segments 1,137 1,131 +0.5%
Markets · Operating Segments 3,509 3,305 +6.2%
Services · Operating Segments 2,679 2,729 -1.8%
USPB · Operating Segments 2,381 2,355 +1.1%
Wealth · Operating Segments 1,558 1,535 +1.5%
Show Consolidation Items breakouts
Corporate Non Segment 2,276 2,106 +8.1%
Material Reconciling Items 37 85 -56.5%
Net Income Loss Available To Common Stockholders Basic 3,683 2,943 +25.1%

Balance Sheet

Balance Sheet
Metric Q2 2025 Q2 2024 YoY
Non-Current Assets
Operating Lease Right-of-Use Assets 3,055 2,785 +9.7%
Goodwill 19,878 19,704 +0.9%
Show Business Segments breakouts
Banking · Operating Segments 1,025 1,023 +0.2%
Markets · Operating Segments 5,920 5,726 +3.4%
Services · Operating Segments 2,172 2,130 +2.0%
USPB · Operating Segments 5,306 5,329 -0.4%
Wealth · Operating Segments 4,453 4,468 -0.3%
Show Consolidation Items breakouts
Corporate Non Segment 1,002 1,028 -2.5%
Total Assets 2,622,772
Show Business Segments breakouts
Banking · Operating Segments 148
Markets · Operating Segments 1,166
Services · Operating Segments 618
USPB · Operating Segments 251
Wealth · Operating Segments 228
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 404,481
Subsidiary Issuer · Reportable Legal Entities 809,069
Variable Interest Entity Not Primary Beneficiary 71.9
Variable Interest Entity Primary Beneficiary 58,947
Variable Interest Entity Primary Beneficiary · Asset Backed Securities 8,648
Variable Interest Entity Primary Beneficiary · Citi-administered asset-backed commercial paper conduits 20,217
Variable Interest Entity Primary Beneficiary · Client intermediation 80
Variable Interest Entity Primary Beneficiary · Collateralized Credit Card Securities 28,094
Variable Interest Entity Primary Beneficiary · Investment funds 7
Variable Interest Entity Primary Beneficiary · Municipal securities tender option bond trusts (TOBs) 1,901
Show Consolidation Items breakouts
Corporate Non Segment 212
Current Liabilities
Commercial Paper 22,332 18,855 +18.4%
Show Financial Instrument breakouts
Citi-administered asset-backed consolidated commercial paper conduits (ABCP) 7.3 9.3 -21.5%
Show Legal Entity breakouts
Bank 13,035 11,029 +18.2%
Broker Dealer Entities [Member] 9,297 7,826 +18.8%
Non-Current Liabilities
Long-Term Debt 317,761 280,321 +13.4%
Show Legal Entity breakouts
Bank 43,513 32,995 +31.9%
Broker Dealer Entities [Member] 100,732 83,423 +20.7%
Show Consolidated Entities breakouts
Parent Company 173,516 163,903 +5.9%
Parent Company · Reportable Legal Entities 173,516 163,903 +5.9%
Subsidiary Issuer · Reportable Legal Entities 194,532 179,936 +8.1%
Variable Interest Entity Primary Beneficiary 7,274 6,085 +19.5%
Show Fair Value By Measurement Basis breakouts
Estimate Of Fair Value Fair Value Disclosure 127,373 109,406 +16.4%
Total Liabilities 2,408,642 2,196,542 +9.7%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 19,462 17,277 +12.6%
Stockholders' Equity
Common Stock 31 31 0.0%
Additional Paid-In Capital 108,839 108,785 0.0%
Retained Earnings 211,674 202,913 +4.3%
Accumulated Other Comprehensive Income -43,786 -46,677 +6.2%
Total Stockholders' Equity 213,222 208,310 +2.4%
Total Liabilities & Equity 2,622,772 2,405,686 +9.0%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 404,481 394,900 +2.4%
Subsidiary Issuer · Reportable Legal Entities 809,069 751,986 +7.6%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q2 2025 YTD Q2 2024 YoY
Operating Activities
Deferred Income Taxes 220 -953 +123.1%
Other Non-Cash Items -13,765 8,220 -267.5%
Net Cash from Operations -95,287 -27,791 -242.9%
Investing Activities
Capital Expenditures -3,272 -3,251 -0.6%
Purchases of Investments -140,047 -129,401 -8.2%
Other Investing Activities 378 827 -54.3%
Net Cash from Investing -48,949 27,113 -280.5%
Financing Activities
Share Repurchases -3,750 -524 -615.6%
Tax Withholding for Share Compensation -770 -443 -73.8%
Net Cash from Financing 192,065 -6,389 +3106.2%
Supplemental
Income Taxes Paid 3,167 3,181 -0.4%
Interest Paid 39,284 44,179 -11.1%
Other Cash Flow
Net Change in Cash 60,941 -14,798 +511.8%

Values in millions USD. Source: SEC EDGAR 10-Q filing.

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