CITIGROUP INC

C 10-K · Q4 2025

C Q4 2025 request

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Income Statement

Income Statement
Metric Q4 2025 Q4 2024 YoY
Revenue 19,871 19,465 +2.1%
Show Business Segments breakouts
Banking · Operating Segments 2,210 1,241 +78.1%
Markets · Operating Segments 4,542 4,576 -0.7%
Services · Operating Segments 5,942 5,165 +15.0%
USPB · Operating Segments 5,293 5,150 +2.8%
Wealth · Operating Segments 2,133 1,994 +7.0%
Show Consolidation Items breakouts
Corporate Non Segment -248 1,335 -118.6%
Material Reconciling Items -1 4 -125.0%
Other Non-Operating Income (Expense) -1,075 51 -2207.8%
Income Before Taxes 3,811 3,802 +0.2%
Income Tax Expense (Benefit) 1,288 912 +41.2%
Show Business Segments breakouts
Banking · Operating Segments 196 73 +168.5%
Markets · Operating Segments 236 242 -2.5%
Services · Operating Segments 848 564 +50.4%
USPB · Operating Segments 254 123 +106.5%
Wealth · Operating Segments 107 79 +35.4%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income -254 -447 +43.2%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income 167 37 +351.4%
Show — breakouts
Income Tax Expense (Benefit) -42 -12 -250.0%
Show Consolidation Items breakouts
Corporate Non Segment -423 -153 -176.5%
Material Reconciling Items 70 -16 +537.5%
Net Income 2,471 2,856 -13.5%
Net Income 2,522 2,890 -12.7%
Show Equity Components breakouts
Noncontrolling Interest 51 34 +50.0%
Retained Earnings 2,471 2,856 -13.5%
Comprehensive Income 2,331 201 +1059.7%
Other Comprehensive Income -140 -2,655 +94.7%
EPS (Basic) 1.24 1.36 -8.8%
EPS (Diluted) 1.21 1.33 -9.0%
Wtd Avg Shares (Basic) -19.7 -4.6 -328.3%
Wtd Avg Shares (Diluted) -18.7 -3 -523.3%
Labor And Related Expense 7,068 6,923 +2.1%
Interest Income Expense Net 15,665 13,733 +14.1%
Show Business Segments breakouts
Banking · Operating Segments 549 521 +5.4%
Markets · Operating Segments 2,843 1,856 +53.2%
Services · Operating Segments 4,050 3,446 +17.5%
USPB · Operating Segments 5,764 5,481 +5.2%
Wealth · Operating Segments 1,397 1,247 +12.0%
Show Consolidation Items breakouts
Corporate Non Segment 1,062 1,182 -10.2%
Noninterest Income 4,206 5,732 -26.6%
Show Business Segments breakouts
Banking · Operating Segments 1,661 720 +130.7%
Markets · Operating Segments 1,699 2,720 -37.5%
Services · Operating Segments 1,892 1,719 +10.1%
USPB · Operating Segments -471 -331 -42.3%
Wealth · Operating Segments 736 747 -1.5%
Show Consolidation Items breakouts
Corporate Non Segment -1,310 153 -956.2%
Material Reconciling Items -1 4 -125.0%
Interest Expense Operating 20,984 21,314 -1.5%
Principal Transactions Revenue 1,450 2,453 -40.9%
Show Trading Activity By Type breakouts
Commodity and other contracts 116 367 -68.4%
Credit Risk Contract -274 -91 -201.1%
Equity Contract 122 499 -75.6%
Foreign Exchange Contract 1,557 1,532 +1.6%
Interest Rate Contract -71 146 -148.6%
Noninterest Expense 13,840 13,070 +5.9%
Show Business Segments breakouts
Banking · Operating Segments 1,152 1,051 +9.6%
Markets · Operating Segments 3,609 3,174 +13.7%
Services · Operating Segments 2,843 2,601 +9.3%
USPB · Operating Segments 2,521 2,465 +2.3%
Wealth · Operating Segments 1,650 1,561 +5.7%
Show Consolidation Items breakouts
Corporate Non Segment 2,025 2,162 -6.3%
Material Reconciling Items 40 56 -28.6%
Net Income Loss Attributable To Noncontrolling Interest 51 34 +50.0%
Communications And Information Technology 2,429 2,278 +6.6%
Marketing And Advertising Expense 318 323 -1.5%
Occupancy Net 681 650 +4.8%
Policyholder Benefits And Claims Incurred Net 24 17 +41.2%
Professional Fees 573 650 -11.8%
Other Noninterest Expense 1,596 1,155 +38.2%
Interest And Dividend Income Operating 36,649 35,047 +4.6%
Net Income Loss Available To Common Stockholders Basic 2,149 2,563 -16.2%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Non-Current Assets
Operating Lease Right-of-Use Assets 3,009 2,836 +6.1%
Goodwill 19,098 19,300 -1.0%
Show Business Segments breakouts
Banking · Operating Segments 1,028 1,002 +2.6%
Markets · Operating Segments 5,833 5,674 +2.8%
Services · Operating Segments 2,141 2,052 +4.3%
USPB · Operating Segments 5,342 5,219 +2.4%
Wealth · Operating Segments 4,453 4,451 0.0%
Show Consolidation Items breakouts
Corporate Non Segment 301 902 -66.6%
Total Assets 2,657,202 2,352,945 +12.9%
Show Business Segments breakouts
Banking · Operating Segments 140 143 -2.1%
Markets · Operating Segments 1,187 949 +25.1%
Services · Operating Segments 628 584 +7.5%
USPB · Operating Segments 264 252 +4.8%
Wealth · Operating Segments 230 224 +2.7%
Show Geography breakouts
Corporate/Other 121,380 126,536 -4.1%
International 1,066,256 899,965 +18.5%
North America 1,469,566 1,326,444 +10.8%
Show Consolidated Entities breakouts
Parent Company 412,385 395,451 +4.3%
Subsidiary Issuer · Reportable Legal Entities 838,121 687,935 +21.8%
Variable Interest Entity Not Primary Beneficiary 76.9 68 +13.1%
Show Consolidation Items breakouts
Corporate Non Segment 208 201 +3.5%
Current Liabilities
Commercial Paper 19,941 28,916 -31.0%
Show Financial Instrument breakouts
Citi-administered asset-backed consolidated commercial paper conduits (ABCP) 9.2 6.4 +43.7%
Show Legal Entity breakouts
Bank 10,050 15,127 -33.6%
Broker-dealer 9,891 13,789 -28.3%
Non-Current Liabilities
Long-Term Debt 315,827 287,300 +9.9%
Show Legal Entity breakouts
Bank 36,481
Bank · Senior Notes 36,481 35,470 +2.9%
Broker-dealer 101,491
Broker-dealer · Senior Notes 101,491 87,806 +15.6%
Show Consolidated Entities breakouts
Parent Company 177,855 164,024 +8.4%
Parent Company · Junior Subordinated Debt 1,633 1,622 +0.7%
Parent Company · Reportable Legal Entities 177,855 164,024 +8.4%
Parent Company · Senior Notes 147,154 133,519 +10.2%
Parent Company · Subordinated Debt 29,068 28,883 +0.6%
Subsidiary Issuer · Reportable Legal Entities 211,029 184,516 +14.4%
Variable Interest Entity Primary Beneficiary 5,419 5,271 +2.8%
Show Fair Value By Measurement Basis breakouts
Estimate Of Fair Value Fair Value Disclosure 130,726 112,719 +16.0%
Show Long-Term Debt Type breakouts
Junior Subordinated Debt 1,633 1,622 +0.7%
Senior Notes 285,126 256,795 +11.0%
Subordinated Debt 29,068 28,883 +0.6%
Total Liabilities 2,443,380 2,143,579 +14.0%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 15,509 19,819 -21.7%
Stockholders' Equity
Common Stock 31 31 0.0%
Additional Paid-In Capital 108,452 109,117 -0.6%
Retained Earnings 215,128 206,294 +4.3%
Accumulated Other Comprehensive Income -41,897 -47,852 +12.4%
Total Stockholders' Equity 212,291 208,598 +1.8%
Total Liabilities & Equity 2,657,202 2,352,945 +12.9%
Show Consolidated Entities breakouts
Parent Company 412,385 395,451 +4.3%
Subsidiary Issuer · Reportable Legal Entities 838,121 687,935 +21.8%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Deferred Income Taxes 225 -322 +169.9%
Other Non-Cash Items -1,262 10,901 -111.6%
Net Cash from Operations 26,555 24,796 +7.1%
Investing Activities
Capital Expenditures -1,631 -1,688 +3.4%
Purchases of Investments -67,210 -69,687 +3.6%
Other Investing Activities 83 664 -87.5%
Net Cash from Investing -49,330 7,749 -736.6%
Financing Activities
Share Repurchases -4,500 -968 -364.9%
Tax Withholding for Share Compensation -5 -6 +16.7%
Net Cash from Financing 25,281 -47,306 +153.4%
Supplemental
Income Taxes Paid 1,798 1,334 +34.8%
Interest Paid 20,316 20,875 -2.7%
Other Cash Flow
Net Change in Cash 1,519 -26,562 +105.7%

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

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