# Citigroup Inc. (C-PR)

> Source: Nexqual · https://nexqual.com/C-PR · data as of 2026-10-15 20:00 UTC · cite as "Nexqual, Citigroup Inc. (C-PR), nexqual.com/C-PR" · informational, not investment advice.

**Price:** USD 23.31 (+1.97% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 22.86 · day 22.95–23.43 · 52w 22.19–25.94 · market cap null · NYQ

## Key facts
- Last four reported quarters (through Dec 31, 2025): revenue $85.2B, net income $14.3B (16.8% margin) (SEC filings).
- Insider open-market sales, last ~7 months: 3 Form 4 filings, $5.2M; 3 not under a Rule 10b5-1 plan ($5.2M).
- Analysts: None.
- Total return with dividends: 1Y -6.3% vs S&P 500 +18.1%; 5Y -4.7% vs S&P 500 +85.1%.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B | $85.2B |
| Net income | $22.0B | $14.8B | $9.23B | $12.7B | $14.3B | $14.3B |
| EPS (diluted) | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 | — |
| Free cash flow | $43.0B | $19.4B | -$80.0B | -$26.2B | -$74.2B | -$74.2B |
| Net margin | 30.5% | 19.7% | 11.8% | 15.7% | 16.8% | 16.8% |
| Revenue growth | -4.8% | +4.8% | +3.6% | +3.4% | +5.6% | — |
| Cash + short-term investments | $262B | $342B | $261B | $277B | $350B | — |
| Total debt | $282B | $319B | $324B | $336B | $368B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Dec 31, 2025)


## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan |
|---|---|---|---|---|---|---|
| 2026-05-08 | Dugan John Cunningham | Director | 2,117 | $265K | 4.5% | No |
| 2026-04-15 | Skyler Edward | Hd of Ent Svc & Public Affairs | 25,000 | $3.3M | 12.1% | No |
| 2026-04-15 | Giles Nicole | CHIEF ACCOUNTING OFFICER | 12,732 | $1.7M | 11.5% | No |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

## Analysts
Consensus None.

## Total return (dividends reinvested)
|  | 1Y (from 2026-02-09) | 5Y (from 2026-02-09) |
|---|---|---|
| Total return | -6.3% | -4.7% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | — | — |
| Volatility (annualized) | 7.7% | 6.6% |
| Max drawdown | -9.8% (Jun 2026→Sep 2026) | -8.3% (Jun 2026→Oct 2026) |

## Peers (Banks - Diversified)
JPM (JP Morgan Chase & Co.) USD 335.53 +1.24% · BAC (Bank of America Corporation) USD 51.7 -4.19% · HSBC (HSBC Holdings, plc.) USD 94.54 -0.33% · RY (Royal Bank Of Canada) USD 196.68 +1.03% · WFC (Wells Fargo & Company) USD 82.75 +2.49% · MUFG (Mitsubishi UFJ Financial Group,) USD 21.86 -2.41%

## More
Full page: https://nexqual.com/C-PR · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt