Financials Citigroup Inc.

Equities

C

US1729674242

Investment Banking & Brokerage Services

Market Closed - Nyse Other stock markets 16:01:10 2026-02-17 EST			5-day change	1st Jan Change
113.78 ^USD	+2.63%		-6.85%	-2.49%

02-17	Optimum Communications Shares Fall After Downgrade From Citigroup	MT
02-17	Citigroup Inc says credit card charge-offs 2.03% in Jan 2026	RE

Projected Income Statement: Citigroup Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	74,298	71,884	75,338	78,462	81,139	85,225	90,620	94,122
Change	-	-3.25%	4.8%	4.15%	3.41%	5.04%	6.33%	3.86%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	31,517	23,691	24,046	22,096	27,155	30,093	36,117	38,908
Change	-	-24.83%	1.5%	-8.11%	22.9%	10.82%	20.02%	7.73%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	14,022	27,469	18,807	12,910	17,046	19,828	25,570	28,010
Change	-	95.9%	-31.53%	-31.36%	32.04%	16.32%	28.96%	9.54%
Net income ¹	10,201	20,758	13,700	7,850	11,628	13,097	17,971	19,781
Change	-	103.49%	-34%	-42.7%	48.13%	12.63%	37.22%	10.07%
Announcement Date	1/15/21	1/14/22	1/13/23	1/12/24	1/15/25	1/14/26	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	16,499	19,327	17,474	17,154	17,017	19,186	19,638	18,508	18,006	21,447	19,436	20,139	17,440	21,104	20,139	20,315	19,581	21,596	21,668	22,090	19,871	22,941	22,722	22,825	22,219	23,504	23,438	23,676
Change	-	17.14%	-9.59%	-1.83%	-0.8%	12.75%	2.36%	-5.75%	-2.71%	19.11%	-9.38%	3.62%	-13.4%	21.01%	-4.57%	0.87%	-3.61%	10.29%	0.33%	1.95%	-10.05%	15.45%	-0.96%	0.45%	-2.66%	5.79%	-0.28%	1.02%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	5,785	8,254	6,282	5,670	3,485	6,021	7,245	5,759	5,021	8,158	5,866	6,628	1,444	6,909	6,786	7,065	6,395	8,171	8,091	7,800	6,031	9,349	9,072	9,278	8,542	10,133	9,359	9,833
Change	-	42.68%	-23.89%	-9.74%	-38.54%	72.77%	20.33%	-20.51%	-12.81%	62.48%	-28.1%	12.99%	-78.21%	378.46%	-1.78%	4.11%	-9.48%	27.77%	-0.98%	-3.6%	-22.68%	55.02%	-2.96%	2.27%	-7.92%	18.62%	-7.64%	5.06%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	5,831	10,309	7,348	5,862	3,950	5,266	5,971	4,394	3,176	6,183	4,042	4,788	-2,103	4,544	4,310	4,390	3,802	5,448	5,219	5,350	3,811	6,610	6,434	6,686	5,967	7,166	7,015	7,314
Change	-	76.8%	-28.72%	-20.22%	-32.62%	33.32%	13.39%	-26.41%	-27.72%	94.68%	-34.63%	18.46%	-143.92%	316.07%	-5.15%	1.86%	-13.39%	43.29%	-4.2%	2.51%	-28.77%	73.44%	-2.65%	3.91%	-10.76%	20.1%	-2.11%	4.26%
Net income ¹	4,341	7,584	5,899	4,352	2,924	4,002	4,274	3,174	2,251	4,295	2,594	3,160	-2,218	3,047	2,975	2,961	2,600	3,768	3,702	3,458	2,169	4,627	4,506	4,713	4,102	5,011	4,939	5,186
Change	-	74.71%	-22.22%	-26.22%	-32.81%	36.87%	6.8%	-25.74%	-29.08%	90.8%	-39.6%	21.82%	-170.19%	237.38%	-2.36%	-0.47%	-12.19%	44.92%	-1.75%	-6.59%	-37.28%	113.32%	-2.61%	4.59%	-12.96%	22.14%	-1.43%	5%
Announcement Date	1/15/21	4/15/21	7/14/21	10/14/21	1/14/22	4/14/22	7/15/22	10/14/22	1/13/23	4/14/23	7/14/23	10/13/23	1/12/24	4/12/24	7/12/24	10/15/24	1/15/25	4/15/25	7/15/25	10/14/25	1/14/26	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Citigroup Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	1/15/21	1/14/22	1/13/23	1/12/24	1/15/25	1/14/26	-	-

Estimates

Cash Flow Forecast: Citigroup Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	5,336	3,446	4,119	5,632	6,583	6,500
Change	-	-35.42%	19.53%	36.73%	16.89%	-1.26%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	2/21/20	2/26/21	2/28/22	2/27/23	2/23/24	2/21/25

¹USD in Million

Estimates

Forecast Financial Ratios: Citigroup Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	42.42%	32.96%	31.92%	28.16%	33.47%	35.31%	39.86%	41.34%
EBT Margin (%)	-	18.87%	38.21%	24.96%	16.45%	21.01%	23.27%	28.22%	29.76%
Net margin (%)	-	13.73%	28.88%	18.18%	10%	14.33%	15.37%	19.83%	21.02%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.51%	0.94%	0.62%	0.38%	0.51%	0.54%	0.69%	0.73%
ROE	-	5.9%	11.5%	7.7%	4.3%	6.1%	6.8%	9.19%	10.1%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	2.04	2.04	-	2.08	2.18	2.328	2.545	2.701
Change	-	-	0%	-	-	4.81%	6.8%	9.32%	6.11%
Book Value Per Share ¹	-	86.59	92.21	94.06	98.71	101.6	110	119.2	128.8
Change	-	-	6.49%	2.01%	4.94%	2.95%	8.26%	8.77%	8.03%
EPS ¹	-	4.87	10.14	7	4.04	5.94	6.99	10.35	12.25
Change	-	-	108.21%	-30.97%	-42.29%	47.03%	17.68%	44.05%	18.4%
Nbr of stocks (in thousands)	-	2,081,960	1,984,267	1,936,853	1,913,882	1,891,265	1,747,500	1,747,500	1,747,500
Announcement Date	-	1/15/21	1/14/22	1/13/23	1/12/24	1/15/25	1/14/26	-	-