CCITIGROUP INC
National Commercial Banks
- Revenue
- $85.2B
- 5.6% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $127.7B net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired-473% of net incomeCash flow under 80% of net income
- Dilutive SBCClear2% of revenueOver 10% of revenue
- Payouts exceed cash flowClear-28% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B | 5.6% |
| Net income | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B | 13% |
| Operating cash flow | $47.1B | $25.1B | −$73.4B | −$19.7B | −$67.6B | 244% |
| Capex | $4.1B | $5.6B | $6.6B | $6.5B | $6.5B | 0.3% |
| Buybacks | $7.6B | $3.3B | $2.0B | $2.5B | $13.3B | 436% |
| Dividends | $5.2B | $5.0B | $5.2B | $5.2B | $5.4B | 3.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.