Finding the company…Gathering the key numbers…Turning it into plain words…
CNational commercial banks
Explained from its latest yearly and quarterly reports to the SEC, filed November 5, 2026.
What the stock market pays for one share of Citigroup today. Below is what the business behind it actually sells, earns, owes and keeps, from its own reports.
Live price from TradingView, shown for context. It changes every trading day, unlike the filed figures below. candor never says whether the price is right.
How its main figures link up, worked out with its own numbers.
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From its latest yearly report. Point at a term to see exactly what it means.
In the year to December 31, 2025, Citigroup sold $85.2 billion of goods and services, up 5.6% on the year before. It kept about $17 of every $100 of sales as profit. Its business brought in -$67.6 billion of cash, but it spent $74.2 billion more than that on buildings and equipment.
Citigroup sold $85.2 billion of goods and services in the year to December 31, 2025.
Sales were up 5.6% on the year before.
After every cost, including interest and tax, about $17 of every $100 of sales was left as profit.
It spent $74.2 billion more on its business and equipment than the business brought in.
Not in its latest reports: the last figure it filed is more than a year old.
Not in its latest reports: the last figure it filed is more than a year old.
US dollars, as the company reported them under US accounting rules (US GAAP). candor only combines figures that cover exactly the same period or date, and shows "Not reported" rather than a zero when one is missing.
Part 1 of 4 · Growth and profit
Whether it sells more each year, and how much of each sale it keeps as profit.
The short answer
In the year to December 2025, it kept $14.3 billion as profit after paying all its costs and taxes: about $17 of every $100 it made in sales, its profit margin.
more in sales than the year before
Part 2 of 4 · Financial health
Whether it can pay its bills and how much it owes: its cushion for bad times.
The short answer
Part 3 of 4 · Cash
Whether profit turns into real cash, and how much is left after investing.
The short answer
more spent than its business brought in
Part 4 of 4 · How it's run
How its leaders use the money: reinvesting, paying owners or buying other firms.
The short answer
on buying back its own shares, its biggest use
No change of auditor and no corrected accounts since November 7, 2025.
Each of its SEC filings, turned into plain English with pictures.
The figures behind everything above, side by side, with the original reports to check them.
Ratios compare two numbers so companies of different sizes can be compared. Each one only combines figures from the same period or date.
Year ended December 31, 2025
After every cost, including interest and tax, about $17 of every $100 of sales was profit.
What it is: Net income as a share of sales: what's left after every cost, including interest and tax. A 10% net profit margin means $10 of final profit for every $100 of sales.
Year ended December 31, 2025
If the year's profit were split equally across all its shares, each share would get $6.99, up 17.7% on the year before.
What it is: Net income divided by the average number of shares during the period. "Diluted" EPS also counts shares that could still be created, for example from staff stock awards, so it's usually slightly lower.
Year ended December 31, 2025
It spent more on running the business and on buildings and equipment than the business brought in, so it had to use savings or borrow.
What it is: Operating cash flow minus capital expenditure: the cash left after the business pays for the buildings and equipment it needs. It's what the company can use to pay dividends, buy back shares, repay debt or save.
Each figure next to the same figure a year earlier. Quarters are compared with the same quarter a year before, because many businesses are busier in some seasons.
$85.2 billion vs $80.7 billion a year earlier
Year ended December 31, 2025, vs the year before
It sold more than the year before.
What it is: All the money a company takes in from selling its products and services, before paying any costs. Also called sales.
$14.3 billion vs $12.7 billion a year earlier
Year ended December 31, 2025, vs the year before
It kept more profit after all costs and taxes than the year before.
What it is: The profit left over a period (such as a year or a quarter) after paying every cost, including wages, interest and taxes. Often called the bottom line.
-$67.6 billion vs -$19.7 billion a year earlier
Year ended December 31, 2025, vs the year before
A percentage change isn't meaningful here, because one of the two figures was a loss or zero.
Left out on purpose: gross profit, operating income, cash, long-term debt, shareholders' equity, total assets, total liabilities, current assets, current liabilities. The company either doesn't report these in SEC's standard data, or the latest figure isn't available yet. candor leaves a number out rather than guess.
What it is: The cash that came in from customers minus the cash paid out to suppliers, staff, landlords, lenders (interest) and the tax office during the period. It differs from profit because of timing, such as customers paying later, and because some costs in profit, like wear and tear on equipment, aren't paid in cash.
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