Citi
Runs a cross-border institutional bank alongside U.S. consumer cards and wealth management.
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Profile
Provides cash management, custody, markets, investment and corporate banking, wealth management, U.S. retail banking and consumer cards. A cross-border institutional network links the businesses, while consumer activity is centered on U.S. cards and deposits after international retail exits.
Connects multinational companies, financial institutions and governments to cash management, payments, trade finance and securities custody through Services, while Markets provides fixed-income and equity trading, market-making, financing and prime brokerage. Banking adds corporate lending, capital-markets underwriting and merger advice across a network operating in nearly 160 countries and jurisdictions.
Serves affluent and high-net-worth clients through Wealth, now including U.S. retail banking and deposits, while U.S. Consumer Cards combines proprietary, co-branded and private-label cards with installment lending. The cross-border network links client cash flows, risk hedging, financing and wealth needs across businesses.
Operates under bank capital, liquidity and risk-management requirements and continues a multiyear controls and data overhaul under Federal Reserve and OCC consent orders. Significant acquisitions by Citibank require prior OCC approval.
Company facts
Key statistics
Year to date +11.9% · Average volume (30d) 9.2M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 3, 2026 | UBS | Reiterate | Neutral | $132 | $142 | |
| Jul 15, 2026 | Truist Financial | Target | $158 | $154 | ||
| Jul 15, 2026 | Argus Research | Target | $87 | $150 | ||
| Jul 6, 2026 | Evercore ISI | Target | $139 | $143 | ||
| Jun 30, 2026 | Oppenheimer | Downgrade | Outperform | Perform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 14, 2026Q2 FY26 | $2.74 | $3.15 | +15.0% | $23.74B | $24.77B | +4.3% | +1.22% |
| Apr 14, 2026Q1 FY26 | $2.65 | $3.06 | +15.5% | $23.60B | $24.63B | +4.4% | +1.63% |
| Jan 21, 2026Q4 FY25 | $1.80 | $1.19 | −33.9% | $20.95B | $19.87B | −5.1% | +1.58% |
| Nov 6, 2025Q3 FY25 | $1.73 | $1.86 | +7.5% | $21.09B | $22.09B | +4.8% | −0.06% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $41.26B | $42.35B | $43.84B | $40.86B | $44.44B | $45.30B | |
| Gross profit | $18.89B | $18.80B | $19.64B | $17.65B | $21.84B | $22.26B | |
| Operating income | $5.45B | $5.22B | $5.35B | $3.81B | $7.52B | $8.03B | |
| Net income | $4.06B | $4.02B | $3.75B | $2.43B | $5.79B | $5.83B | |
| Diluted EPS | $1.96 | $1.96 | $1.86 | $1.19 | $3.06 | $3.15 | |
| Gross margin | 45.8% | 44.4% | 44.8% | 43.2% | 49.2% | 49.1% | |
| Operating margin | 13.2% | 12.3% | 12.2% | 9.3% | 16.9% | 17.7% |
Fiscal years (4-quarter sums)FY21 $79.19B · FY22 $100.38B · FY23 $156.78B · FY24 $170.62B · FY25 $168.30B
Revenue by product · Q4 FY25
Revenue by geography · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $996.75B · Total debt $813.85B · Total assets $2.89T · Shareholders' equity $212.02B
Dividends
Raised for 14 straight years — most recently to $0.67 from $0.60 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 28 | $0.67 | raised from $0.60 |
| May 4, 2026 | May 4 | May 22 | $0.60 | |
| Feb 2, 2026 | Feb 2 | Feb 27 | $0.60 | |
| Nov 3, 2025 | Nov 3 | Nov 26 | $0.60 | |
| Aug 4, 2025 | Aug 4 | Aug 22 | $0.60 | raised from $0.56 |
| May 5, 2025 | May 5 | May 23 | $0.56 | |
| Feb 3, 2025 | Feb 3 | Feb 28 | $0.56 | |
| Nov 4, 2024 | Nov 4 | Nov 22 | $0.56 |
Ownership
Shares outstanding 1.71B · Float 1.67B · 97.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 149.51M | 8.72% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 107.23M | 6.25% | 13F | Aug 13, 2026 |
| State Street Corp | 77.91M | 4.54% | 13F | Aug 7, 2026 |
| Geode Capital Management, LLC | 41.05M | 2.39% | 13F | Aug 12, 2026 |
| Fisher Asset Management, LLC | 36.46M | 2.13% | 13F | Aug 4, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 8, 2026 | John Cunningham Dugan | director | −2,117 | $125.30 |
| Apr 15, 2026 | Nicole Giles | officer: CHIEF ACCOUNTING OFFICER | −12,732 | $131.80 |
| Apr 15, 2026 | Edward Skyler | officer: Hd of Ent Svc & Public Affairs | −25,000 | $131.41 |
| Feb 20, 2026 | Mark Mason | officer: Chief Financial Officer | −3,627 | $114.71 |
| Feb 11, 2026 | Sunil Garg | officer: CEO, Citibank, N.A. | −18,000 | $118.49 |
Peers
- JPMorgan Chase
Largest US bank; #1 in Treasury Services, Markets, and IB globally.
- Bank of America
Second-largest US bank; rival in transaction banking, markets, and wealth.
- Goldman Sachs
Premier IB and markets rival; head-to-head in FICC, equities, and M&A advisory.
- HSBC (ADR)
Most direct global-network rival in cross-border TTS and trade finance.
- Morgan Stanley
Capital markets and wealth rival; acquired Citi's Smith Barney brokerage.
- Wells Fargo
US-focused rival in consumer cards, commercial banking, and corporate lending.
- American Express
Premium travel card incumbent targeted by Citi Branded Cards and Strata Elite.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citi | $132.62 | −0.19% | $227.81B | 14.3 | 11.4 | 1.3 | +14.3% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| Goldman Sachs | $1,033.62 | +0.05% | $305.03B | 16.0 | 14.8 | 2.6 | +39.5% |
| HSBC (ADR) | $104.30 | +0.76% | $355.80B | 14.9 | 11.9 | 2.8 | +32.2% |
| Morgan Stanley | $214.50 | −0.13% | $338.75B | 17.5 | 16.3 | 2.7 | +36.8% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| American Express | $333.50 | +0.10% | $225.01B | 20.2 | 17.9 | 2.7 | +10.0% |
| Median | 15.4 | 14.8 | 2.7 | +27.8% |