Citigroup Inc.
Citigroup Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in New York, NY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $85 billion and a profit of $13 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.3 out of ten, 9 of 9 metrics filed: past 7.1 out of ten, present 4.0 out of ten, future 4.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2017. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 3.4 out of ten. +2.1% a year over 10 filed years; profitable in 9 of 10. 34th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 9.1 out of ten. Share count shrank 1.6% a year. 92% of cash flow returned. Insiders: 11 sales, 0 purchases. 91st percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 3.7 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 37th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 4.1 out of ten. bottom 41% of 79 in its family; net margin 16.8%. 41st percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 4.6 out of ten. bottom 46% of 74 in its family for leadership; chief executive since 2021. 46th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 1.8 out of ten. bottom 18% of 71 in its family for room to expand. 18th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.7 out of ten. bottom 47% of 79 in its family for growth drivers. 47th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 6.6 out of ten. top 34% of 76 in its family for expectations against reality. 66th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-20 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-14 (on EDGAR). Newest filing: Form 424B2, 2026-10-09. Filings on record since 1994. Read from EDGAR 2026-10-12.
Where the revenue comes from
By geography: North America 51%, International 49%. As tagged in its annual report (Form 10-K, filed 2026-02-20).
Who runs it
Fraser, Jane Nind (Chair & CEO); Garg, Sunil (CEO, Citibank, N.A.); Mason, Mark (Chief Financial Officer); Selvakesari, Anand (Chief Operating Officer); Livingstone, David (Chief Client Officer); Giles, Nicole (CHIEF ACCOUNTING OFFICER); Mcintosh, Brent (Chief Legal Off. & Corp. Sec'y); Turek, Zdenek (Chief Risk Officer); Wechter, Sara (Chief Human Resources Officer); Cole, Titilope (Head of Legacy Franchises); and 20 more. 30 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.
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