CITIGROUP INC

C 10-Q · Q3 2025

C Q3 2025 request

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Income Statement

Income Statement
Metric Q3 2025 Q3 2024 YoY
Revenue (Q)
Show Product Lines breakouts
Commissions and fees -3 -2.8 -7.1%
Revenue 22,090 20,209 +9.3%
Show Business Segments breakouts
Banking · Operating Segments 2,132 1,597 +33.5%
Markets · Operating Segments 5,563 4,817 +15.5%
Services · Operating Segments 5,363 5,015 +6.9%
USPB · Operating Segments 5,331 4,964 +7.4%
Wealth · Operating Segments 2,164 1,995 +8.5%
Show Consolidation Items breakouts
Corporate Non Segment 1,535 1,820 -15.7%
Material Reconciling Items 2 1 +100.0%
Other Non-Operating Income (Expense) 293 333 -12.0%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Foreign Exchange Contract 6 1 +500.0%
Accumulated Gain Loss Net Cash Flow Hedge Parent · Interest Rate Contract 125 212 -41.0%
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 131 213 -38.5%
Income Before Taxes 5,350 4,390 +21.9%
Show Equity Components breakouts
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -96 -59 -62.7%
Accumulated Translation Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income -3
Income Tax Expense (Benefit) 1,559 1,116 +39.7%
Show Business Segments breakouts
Banking · Operating Segments 201 68 +195.6%
Markets · Operating Segments 457 248 +84.3%
Services · Operating Segments 776 630 +23.2%
USPB · Operating Segments 266 157 +69.4%
Wealth · Operating Segments 106 85 +24.7%
Show Equity Components breakouts
Accumulated Gain Loss Financial Liability Fair Value Option Attributable To Parent · Reclassification Out Of Accumulated Other Comprehensive Income 19 2 +850.0%
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 31 52 -40.4%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -23 -13 -76.9%
Show Consolidation Items breakouts
Corporate Non Segment -263 -52 -405.8%
Material Reconciling Items 16 -20 +180.0%
Net Income 3,790 3,273 +15.8%
Show Equity Components breakouts
Noncontrolling Interest 38 35 +8.6%
Retained Earnings 3,752 3,238 +15.9%
Net Income 3,752 3,238 +15.9%
Comprehensive Income 3,368 4,718 -28.6%
Other Comprehensive Income -384 1,480 -125.9%
EPS (Basic) 1.89 1.53 +23.5%
EPS (Diluted) 1.86 1.51 +23.2%
Wtd Avg Shares (Basic) 1,820.3 1,899.9 -4.2%
Wtd Avg Shares (Diluted) 1,862.6 1,940.3 -4.0%
Other Noninterest Expense 2,005 1,322 +51.7%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment Net Prior Service Cost Credit · Reclassification Out Of Accumulated Other Comprehensive Income 4 4 0.0%
Accumulated Defined Benefit Plans Adjustment Net Unamortized Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -66 -62 -6.5%
Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income -62 -62 0.0%
Net Income Loss Attributable To Noncontrolling Interest 38 35 +8.6%
Communications And Information Technology 2,325 2,273 +2.3%
Labor And Related Expense 7,474 7,058 +5.9%
Marketing And Advertising Expense 260 282 -7.8%
Occupancy Net 607 606 +0.2%
Policyholder Benefits And Claims Incurred Net 17 28 -39.3%
Professional Fees 514 491 +4.7%
Interest And Dividend Income Operating 36,690 36,456 +0.6%
Interest Expense Operating 21,750 23,094 -5.8%
Interest Income Expense Net 14,940 13,362 +11.8%
Show Business Segments breakouts
Banking · Operating Segments 562 527 +6.6%
Markets · Operating Segments 2,251 1,405 +60.2%
Services · Operating Segments 3,823 3,435 +11.3%
USPB · Operating Segments 5,694 5,293 +7.6%
Wealth · Operating Segments 1,332 1,233 +8.0%
Show Consolidation Items breakouts
Corporate Non Segment 1,278 1,469 -13.0%
Principal Transactions Revenue 2,772 2,835 -2.2%
Show Trading Activity By Type breakouts
Commodity and other contracts 219 383 -42.8%
Credit Risk Contract -121 3 -4133.3%
Equity Contract 807 596 +35.4%
Foreign Exchange Contract 1,545 1,238 +24.8%
Interest Rate Contract 322 615 -47.6%
Noninterest Income 7,150 6,847 +4.4%
Show Business Segments breakouts
Banking · Operating Segments 1,570 1,070 +46.7%
Markets · Operating Segments 3,312 3,412 -2.9%
Services · Operating Segments 1,540 1,580 -2.5%
USPB · Operating Segments -363 -329 -10.3%
Wealth · Operating Segments 832 762 +9.2%
Show Consolidation Items breakouts
Corporate Non Segment 257 351 -26.8%
Material Reconciling Items 2 1 +100.0%
Noninterest Expense 14,290 13,144 +8.7%
Show Business Segments breakouts
Banking · Operating Segments 1,139 1,116 +2.1%
Markets · Operating Segments 3,491 3,339 +4.6%
Services · Operating Segments 2,707 2,575 +5.1%
USPB · Operating Segments 2,365 2,376 -0.5%
Wealth · Operating Segments 1,654 1,594 +3.8%
Show Consolidation Items breakouts
Corporate Non Segment 2,168 2,077 +4.4%
Material Reconciling Items 766 67 +1043.3%
Net Income Loss Available To Common Stockholders Basic 3,438 2,905 +18.3%

Balance Sheet

Balance Sheet
Metric Q3 2025 Q3 2024 YoY
Non-Current Assets
Operating Lease Right-of-Use Assets 3,048 2,822 +8.0%
Goodwill 19,126 19,691 -2.9%
Show Business Segments breakouts
Banking · Operating Segments 1,026 1,013 +1.3%
Markets · Operating Segments 5,871 5,862 +0.2%
Services · Operating Segments 2,153 2,143 +0.5%
USPB · Operating Segments 5,327 5,266 +1.2%
Wealth · Operating Segments 4,453 4,452 0.0%
Show Consolidation Items breakouts
Corporate Non Segment 296 955 -69.0%
Total Assets 2,642,475
Show Business Segments breakouts
Banking · Operating Segments 141
Markets · Operating Segments 1,182
Services · Operating Segments 627
USPB · Operating Segments 252
Wealth · Operating Segments 232
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 408,849
Subsidiary Issuer · Reportable Legal Entities 818,652
Variable Interest Entity Not Primary Beneficiary 73.5
Variable Interest Entity Primary Beneficiary 57,716
Variable Interest Entity Primary Beneficiary · Asset Backed Securities 8,298
Variable Interest Entity Primary Beneficiary · Citi-administered asset-backed commercial paper conduits 19,037
Variable Interest Entity Primary Beneficiary · Client intermediation 84
Variable Interest Entity Primary Beneficiary · Collateralized Credit Card Securities 27,489
Variable Interest Entity Primary Beneficiary · Investment funds 6
Variable Interest Entity Primary Beneficiary · Municipal securities tender option bond trusts (TOBs) 2,802
Show Consolidation Items breakouts
Corporate Non Segment 208
Current Liabilities
Commercial Paper 19,391 22,955 -15.5%
Show Financial Instrument breakouts
Citi-administered asset-backed consolidated commercial paper conduits (ABCP) 6.1 9.2 -33.7%
Show Legal Entity breakouts
Bank 13,139 11,267 +16.6%
Broker Dealer Entities [Member] 6,252 11,688 -46.5%
Non-Current Liabilities
Long-Term Debt 315,846 299,081 +5.6%
Show Legal Entity breakouts
Bank 40,489 36,548 +10.8%
Broker Dealer Entities [Member] 100,696 91,884 +9.6%
Show Consolidated Entities breakouts
Parent Company 174,661 170,649 +2.4%
Parent Company · Reportable Legal Entities 174,661 170,649 +2.4%
Subsidiary Issuer · Reportable Legal Entities 203,302 185,522 +9.6%
Variable Interest Entity Primary Beneficiary 6,906 5,916 +16.7%
Show Fair Value By Measurement Basis breakouts
Estimate Of Fair Value Fair Value Disclosure 129,817 117,286 +10.7%
Total Liabilities 2,428,598 2,220,761 +9.4%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 19,962 17,245 +15.8%
Stockholders' Equity
Common Stock 31 31 0.0%
Additional Paid-In Capital 109,010 108,969 0.0%
Retained Earnings 214,034 204,770 +4.5%
Accumulated Other Comprehensive Income -44,170 -45,197 +2.3%
Total Stockholders' Equity 213,023 209,083 +1.9%
Total Liabilities & Equity 2,642,475 2,430,663 +8.7%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 408,849 398,580 +2.6%
Subsidiary Issuer · Reportable Legal Entities 818,652 736,211 +11.2%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q3 2025 YTD Q3 2024 YoY
Operating Activities
Deferred Income Taxes 227 -1,574 +114.4%
Other Non-Cash Items -12,847 3,150 -507.8%
Net Cash from Operations -94,187 -44,465 -111.8%
Investing Activities
Capital Expenditures -4,889 -4,812 -1.6%
Purchases of Investments -209,028 -181,245 -15.3%
Other Investing Activities 2,084 1,848 +12.8%
Net Cash from Investing -58,952 78,501 -175.1%
Financing Activities
Share Repurchases -8,750 -1,506 -481.0%
Tax Withholding for Share Compensation -775 -448 -73.0%
Net Cash from Financing 212,750 9,002 +2263.4%
Supplemental
Income Taxes Paid 4,716 4,464 +5.6%
Interest Paid 60,667 67,152 -9.7%
Other Cash Flow
Net Change in Cash 71,528 42,162 +69.7%

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

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