CITIGROUP INC

C, C-PN, C-PR · National Commercial Banks · 1.75B shares · -4%/yr ↓ buyback · EDGAR filings ↗

Net buyback after stock comp: $40M (gross $2.0B, SBC $1.9B)

Reference price $125.30 · est. market cap ~$219.2B — last insider sale, 2026-05-08 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

C60

Citigroup — global bank mid-turnaround with low returns.

Strengths

Massive global franchise and liquidity
Restructuring/simplification underway

Risks

ROE 6.7% (20th), ROA (13th) weak
High leverage (97th pct); execution risk

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
Cash burnNegative free cash flow (-74152.0M)
Buying back stockNet buyback — share count -4%/yr over 4y
Revenue declineRevenue -10.0% YoY
Insider sellingInsider selling — 11 open-market sale(s) by 8 insider(s) (cluster of 8 insiders, ~$23M, last 6mo) Form 4 ↗

Quarterly revenue

2025-03-31 · $21.6B2025-06-30 · $21.7B2025-09-30 · $22.1B2025-12-31 · $19.9B

Last 4 quarters · from SEC filings.

Key metrics

Net margin

16.8%

Return on equity

6.7%

Return on assets

0.5%

Revenue growth (QoQ)

-10.0%

Net-income growth

12.8%

Debt / equity

1.5×

Free cash flow

-$74.2B

Tangible book value

$188.9B

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-05-08	DUGAN JOHN CUNNINGHAM	Sell	2.1K	$125.30
2026-04-20	Livingstone David	Tax withheld	85K	$132.18
2026-04-15	Skyler Edward	Sell	25K	$131.41
2026-04-15	Giles Nicole	Sell	13K	$131.80
2026-04-01	von Koskull Casper Wilhelm	Grant	7	$110.99
2026-04-01	von Koskull Casper Wilhelm	Grant	29	$110.99
2026-04-01	Turley James S	Grant	7	$110.99
2026-04-01	Turley James S	Grant	211	$110.99
2026-04-01	TAYLOR DIANA L	Grant	7	$110.99
2026-04-01	TAYLOR DIANA L	Grant	324	$110.99
2026-04-01	REINER GARY M	Grant	405	$110.99
2026-04-01	MOULDS JONATHAN PAUL	Grant	12	$110.99
2026-04-01	MOULDS JONATHAN PAUL	Grant	245	$110.99
2026-04-01	MOULDS JONATHAN PAUL	Grant	3	$110.99
2026-04-01	James Renee Jo	Grant	7	$110.99
2026-04-01	James Renee Jo	Grant	168	$110.99
2026-04-01	HENNES DUNCAN P	Grant	7	$110.99
2026-04-01	HENNES DUNCAN P	Grant	211	$110.99
2026-04-01	DUGAN JOHN CUNNINGHAM	Grant	563	$110.99
2026-04-01	Dailey Grace E	Grant	7	$110.99
2026-04-01	COLE TITILOPE	Grant	17	$110.99
2026-03-20	Sieg Andrew M.	Tax withheld	22K	$109.85
2026-02-20	Mason Mark	Sell	1.6K	$114.40
2026-02-20	Turek Zdenek	Tax withheld	5.3K	$115.55
2026-02-20	Torres Cantu Ernesto	Tax withheld	8.0K	$115.55
2026-02-20	Sieg Andrew M.	Tax withheld	36K	$115.55
2026-02-20	MORTON ANDREW JOHN	Tax withheld	74K	$115.55
2026-02-20	Mason Mark	Sell	2.0K	$114.96
2026-02-20	Livingstone David	Tax withheld	26K	$115.55
2026-02-13	Torres Cantu Ernesto	Sell	43K	$111.09
2026-02-13	Torres Cantu Ernesto	Sell	24K	$111.14
2026-02-12	Habner Pamela	Sell	30K	$117.26
2026-02-12	LUCHETTI GONZALO	Sell	20K	$115.03
2026-02-12	McIntosh Brent	Gift	4.8K	—
2026-02-11	Sieg Andrew M.	Grant	33K	—
2026-02-11	Selvakesari Anand	Grant	29K	—
2026-02-11	RYAN TIMOTHY	Grant	29K	—
2026-02-11	RAGHAVAN VISWAS	Grant	60K	—
2026-02-11	MORTON ANDREW JOHN	Grant	59K	—
2026-02-11	McIntosh Brent	Grant	39K	—
2026-02-11	Mason Mark	Grant	52K	—
2026-02-11	LUCHETTI GONZALO	Grant	28K	—
2026-02-11	Livingstone David	Grant	18K	—
2026-02-11	KHALIQ SYED SHAHMIR	Grant	33K	—
2026-02-11	Habner Pamela	Grant	20K	—
2026-02-11	Giles Nicole	Grant	30K	—
2026-02-11	Giles Nicole	Sell	17K	$119.04
2026-02-11	Fraser Jane Nind	Grant	118K	—
2026-02-11	Garg Sunil	Sell	18K	$118.49
2026-02-11	Garg Sunil	Grant	23K	—
2026-02-11	Wechter Sara	Grant	24K	—
2026-02-11	Turek Zdenek	Grant	36K	—
2026-02-11	Torres Cantu Ernesto	Grant	31K	—
2026-02-11	Skyler Edward	Grant	19K	—
2026-01-20	Sieg Andrew M.	Tax withheld	12K	$118.04
2026-01-20	Fraser Jane Nind	Tax withheld	68K	$118.04
2026-01-20	Wechter Sara	Tax withheld	15K	$118.04
2026-01-20	Turek Zdenek	Tax withheld	21K	$118.04
2026-01-20	Torres Cantu Ernesto	Tax withheld	17K	$118.04
2026-01-20	Skyler Edward	Tax withheld	16K	$118.04
2026-01-20	Selvakesari Anand	Tax withheld	27K	$118.04
2026-01-20	RYAN TIMOTHY	Tax withheld	3.4K	$118.04
2026-01-20	RAGHAVAN VISWAS	Tax withheld	136K	$118.04
2026-01-20	MORTON ANDREW JOHN	Tax withheld	8.7K	$118.04
2026-01-20	McIntosh Brent	Tax withheld	18K	$118.04
2026-01-20	Mason Mark	Tax withheld	29K	$118.04
2026-01-20	LUCHETTI GONZALO	Tax withheld	16K	$118.04
2026-01-20	KHALIQ SYED SHAHMIR	Tax withheld	20K	$118.04
2026-01-20	Habner Pamela	Tax withheld	15K	$118.04
2026-01-20	Giles Nicole	Tax withheld	34K	$118.04
2026-01-20	Garg Sunil	Tax withheld	15K	$118.04
2026-01-20	COLE TITILOPE	Tax withheld	12K	$118.04
2026-01-02	James Renee Jo	Grant	11	$118.80
2026-01-02	COLE TITILOPE	Grant	1.3K	—
2026-01-02	COLE TITILOPE	Grant	10	$118.80
2026-01-02	Dailey Grace E	Grant	1.3K	—
2026-01-02	Dailey Grace E	Grant	11	$118.80
2026-01-02	DUGAN JOHN CUNNINGHAM	Grant	1.3K	—
2026-01-02	DUGAN JOHN CUNNINGHAM	Grant	526	$118.80
2026-01-02	HENNES DUNCAN P	Grant	1.3K	—
2026-01-02	HENNES DUNCAN P	Grant	11	$118.80
2026-01-02	HENNES DUNCAN P	Grant	185	$118.80
2026-01-02	Henry Peter B.	Grant	1.3K	—
2026-01-02	James Renee Jo	Grant	1.3K	—
2026-01-02	James Renee Jo	Grant	145	$118.80
2026-01-02	MOULDS JONATHAN PAUL	Grant	1.3K	—
2026-01-02	MOULDS JONATHAN PAUL	Grant	5	$118.80
2026-01-02	MOULDS JONATHAN PAUL	Grant	230	$118.80
2026-01-02	MOULDS JONATHAN PAUL	Grant	2	$118.80
2026-01-02	REINER GARY M	Grant	1.3K	—
2026-01-02	REINER GARY M	Grant	378	$118.80
2026-01-02	TAYLOR DIANA L	Grant	1.3K	—
2026-01-02	TAYLOR DIANA L	Grant	11	$118.80
2026-01-02	TAYLOR DIANA L	Grant	290	$118.80
2026-01-02	Turley James S	Grant	1.3K	—
2026-01-02	Turley James S	Grant	11	$118.80
2026-01-02	Turley James S	Grant	185	$118.80
2026-01-02	von Koskull Casper Wilhelm	Grant	1.3K	—
2026-01-02	von Koskull Casper Wilhelm	Grant	11	$118.80
2026-01-02	von Koskull Casper Wilhelm	Grant	16	$118.80
2026-01-02	COSTELLO ELLEN	Grant	1.3K	—
2025-10-22	Fraser Jane Nind	Grant	260K	—
2025-10-22	Fraser Jane Nind	Grant	260K	—
2025-10-01	Dailey Grace E	Grant	13	$102.37
2025-10-01	von Koskull Casper Wilhelm	Grant	13	$102.37
2025-10-01	von Koskull Casper Wilhelm	Grant	18	$102.37
2025-10-01	Turley James S	Grant	13	$102.37
2025-10-01	COLE TITILOPE	Grant	11	$102.37
2025-10-01	Turley James S	Grant	214	$102.37
2025-10-01	TAYLOR DIANA L	Grant	13	$102.37
2025-10-01	TAYLOR DIANA L	Grant	335	$102.37
2025-10-01	MOULDS JONATHAN PAUL	Grant	6	$102.37
2025-10-01	MOULDS JONATHAN PAUL	Grant	271	$102.37
2025-10-01	REINER GARY M	Grant	439	$102.37
2025-10-01	James Renee Jo	Grant	13	$102.37
2025-10-01	James Renee Jo	Grant	168	$102.37
2025-10-01	HENNES DUNCAN P	Grant	13	$102.37
2025-10-01	HENNES DUNCAN P	Grant	214	$102.37
2025-10-01	DUGAN JOHN CUNNINGHAM	Grant	611	$102.37
2025-07-16	Henry Peter B.	Sell	3.0K	$90.40
2025-07-01	von Koskull Casper Wilhelm	Grant	20	$83.53
2025-07-01	von Koskull Casper Wilhelm	Grant	14	$83.53
2025-07-01	Turley James S	Grant	14	$83.53
2025-07-01	Turley James S	Grant	243	$83.53
2025-07-01	TAYLOR DIANA L	Grant	14	$83.53
2025-07-01	TAYLOR DIANA L	Grant	380	$83.53
2025-07-01	REINER GARY M	Grant	538	$83.53
2025-07-01	MOULDS JONATHAN PAUL	Grant	973	—
2025-07-01	MOULDS JONATHAN PAUL	Grant	67	$83.53
2025-07-01	James Renee Jo	Grant	14	$83.53
2025-07-01	James Renee Jo	Grant	190	$83.53
2025-07-01	HENNES DUNCAN P	Grant	14	$83.53
2025-07-01	HENNES DUNCAN P	Grant	243	$83.53
2025-07-01	DUGAN JOHN CUNNINGHAM	Grant	748	$83.53
2025-07-01	Dailey Grace E	Grant	14	$83.53
2025-07-01	COLE TITILOPE	Grant	13	$83.53
2025-04-30	DUGAN JOHN CUNNINGHAM	Sell	4.4K	$68.26
2025-04-01	Turley James S	Grant	16	$72.18
2025-04-01	Turley James S	Grant	279	$72.18
2025-04-01	TAYLOR DIANA L	Grant	16	$72.18
2025-04-01	TAYLOR DIANA L	Grant	437	$72.18
2025-04-01	REINER GARY M	Grant	623	$72.18
2025-04-01	James Renee Jo	Grant	16	$72.18
2025-04-01	von Koskull Casper Wilhelm	Grant	16	$72.18
2025-04-01	James Renee Jo	Grant	219	$72.18
2025-04-01	IRELAND SUSAN LESLIE	Grant	16	$72.18
2025-04-01	IRELAND SUSAN LESLIE	Grant	158	$72.18
2025-04-01	HENNES DUNCAN P	Grant	16	$72.18
2025-04-01	HENNES DUNCAN P	Grant	279	$72.18
2025-04-01	DUGAN JOHN CUNNINGHAM	Grant	866	$72.18
2025-04-01	Dailey Grace E	Grant	16	$72.18
2025-04-01	COLE TITILOPE	Grant	1.9K	—
2025-04-01	von Koskull Casper Wilhelm	Grant	23	$72.18
2025-03-20	Sieg Andrew M.	Tax withheld	17K	$71.44
2025-02-20	Livingstone David	Tax withheld	13K	$83.94
2025-02-20	Livingstone David	Grant	2.0K	—
2025-02-20	Livingstone David	Tax withheld	958	$83.94
2025-02-20	Torres Cantu Ernesto	Tax withheld	791	$83.94
2025-02-20	Sieg Andrew M.	Tax withheld	41K	$83.94
2025-02-20	Turek Zdenek	Tax withheld	6.6K	$83.94
2025-02-20	MORTON ANDREW JOHN	Tax withheld	89K	$83.94
2025-02-20	Torres Cantu Ernesto	Grant	1.9K	—
2025-02-14	Mason Mark	Gift	3.1K	—
2025-02-14	Torres Cantu Ernesto	Gift	89K	—
2025-02-14	Skyler Edward	Sell	36K	$82.41
2025-02-14	Mason Mark	Sell	58K	$83.21
2025-02-14	Torres Cantu Ernesto	Gift	89K	—
2025-02-13	Fraser Jane Nind	Grant	142K	—
2025-02-13	Wechter Sara	Grant	29K	—
2025-02-13	Wechter Sara	Sell	14K	$81.01
2025-02-13	Wechter Sara	Sell	812	$81.02
2025-02-13	Wechter Sara	Gift	1.2K	—
2025-02-13	Wechter Sara	Gift	625	—
2025-02-13	Turek Zdenek	Grant	44K	—
2025-02-13	Torres Cantu Ernesto	Grant	71K	—
2025-02-13	Torres Cantu Ernesto	Grant	3.7K	—
2025-02-13	Torres Cantu Ernesto	Grant	13K	—
2025-02-13	Torres Cantu Ernesto	Tax withheld	6.3K	$81.27
2025-02-13	Skyler Edward	Grant	26K	—
2025-02-13	Sieg Andrew M.	Grant	44K	—
2025-02-13	Selvakesari Anand	Grant	39K	—
2025-02-13	Selvakesari Anand	Sell	23K	$81.09
2025-02-13	Selvakesari Anand	Sell	6.8K	$81.14
2025-02-13	RYAN TIMOTHY	Grant	33K	—
2025-02-13	RAGHAVAN VISWAS	Grant	81K	—
2025-02-13	MORTON ANDREW JOHN	Grant	76K	—
2025-02-13	McIntosh Brent	Grant	42K	—
2025-02-13	McIntosh Brent	Sell	4.2K	$81.21
2025-02-13	McIntosh Brent	Sell	9.4K	$81.22
2025-02-13	McIntosh Brent	Sell	6.4K	$81.23
2025-02-13	Mason Mark	Grant	52K	—
2025-02-13	LUCHETTI GONZALO	Grant	33K	—
2025-02-13	LUCHETTI GONZALO	Sell	16K	$81.36
2025-02-13	Livingstone David	Grant	43K	—
2025-02-13	Livingstone David	Grant	7.6K	—
2025-02-13	Livingstone David	Tax withheld	3.6K	$81.27
2025-02-13	KHALIQ SYED SHAHMIR	Grant	34K	—
2025-02-13	KHALIQ SYED SHAHMIR	Sell	4.0K	$81.69
2025-02-13	KHALIQ SYED SHAHMIR	Sell	7.5K	$81.70
2025-02-13	KHALIQ SYED SHAHMIR	Sell	11K	$81.70
2025-02-13	KHALIQ SYED SHAHMIR	Sell	4.0K	$81.71
2025-02-13	KHALIQ SYED SHAHMIR	Sell	3.2K	$81.72
2025-02-13	Garg Sunil	Grant	29K	—
2025-02-13	COLE TITILOPE	Grant	19K	—
2025-01-20	WALSH ROBERT T.	Tax withheld	746	$79.99
2025-01-20	Turek Zdenek	Tax withheld	15K	$79.99
2025-01-20	Torres Cantu Ernesto	Tax withheld	19K	$79.99
2025-01-20	Skyler Edward	Tax withheld	16K	$79.99
2025-01-20	Sieg Andrew M.	Tax withheld	5.6K	$79.99
2025-01-20	Selvakesari Anand	Tax withheld	25K	$79.99
2025-01-20	McIntosh Brent	Tax withheld	12K	$79.99
2025-01-20	Mason Mark	Tax withheld	29K	$79.99
2025-01-20	LUCHETTI GONZALO	Tax withheld	15K	$79.99
2025-01-20	KHALIQ SYED SHAHMIR	Tax withheld	16K	$79.99
2025-01-20	Garg Sunil	Tax withheld	12K	$79.99
2025-01-20	Fraser Jane Nind	Tax withheld	60K	$79.99
2025-01-20	Wechter Sara	Tax withheld	13K	$79.99
2025-01-02	IRELAND SUSAN LESLIE	Grant	2.1K	—
2025-01-02	Turley James S	Grant	24	$70.83
2025-01-02	IRELAND SUSAN LESLIE	Grant	24	$70.83
2025-01-02	COSTELLO ELLEN	Grant	724	$70.83
2025-01-02	Turley James S	Grant	2.1K	—
2025-01-02	IRELAND SUSAN LESLIE	Grant	136	$70.83
2025-01-02	Henry Peter B.	Grant	2.1K	—
2025-01-02	DUGAN JOHN CUNNINGHAM	Grant	882	—
2025-01-02	DUGAN JOHN CUNNINGHAM	Grant	2.1K	—
2025-01-02	HENNES DUNCAN P	Grant	2.1K	—
2025-01-02	HENNES DUNCAN P	Grant	24	$70.83
2025-01-02	HENNES DUNCAN P	Grant	259	$70.83
2025-01-02	DESOER BARBARA J	Grant	529	—
2025-01-02	Dailey Grace E	Grant	24	$70.83
2025-01-02	Dailey Grace E	Grant	2.1K	—
2025-01-02	COSTELLO ELLEN	Grant	494	$70.83
2025-01-02	COSTELLO ELLEN	Grant	2.1K	—
2025-01-02	COSTELLO ELLEN	Grant	24	$70.83
2025-01-02	von Koskull Casper Wilhelm	Grant	2.1K	—
2025-01-02	von Koskull Casper Wilhelm	Grant	24	$70.83
2025-01-02	Turley James S	Grant	259	$70.83
2025-01-02	TAYLOR DIANA L	Grant	2.1K	—
2025-01-02	TAYLOR DIANA L	Grant	24	$70.83
2025-01-02	TAYLOR DIANA L	Grant	418	$70.83
2025-01-02	REINER GARY M	Grant	635	$70.83
2025-01-02	REINER GARY M	Grant	2.1K	—
2025-01-02	James Renee Jo	Grant	2.1K	—
2025-01-02	James Renee Jo	Grant	24	$70.83
2025-01-02	James Renee Jo	Grant	197	$70.83

All non-derivative Form 4 activity (SEC), newest first.

Supply chain

Customers (4)

Suppliers (0)

Named in the 10-K; linked when we track them.

Notable events (8-K)

Date	Items
2026-05-21	Exec/director changeShareholder voteExhibits	filing ↗
2026-04-14	ResultsExhibits	filing ↗
2026-04-03	Reg FDExhibits	filing ↗
2026-02-12	OtherExhibits	filing ↗
2026-02-12	5.03Exhibits	filing ↗
2026-02-03	5.03Exhibits	filing ↗
2026-01-14	ResultsExhibits	filing ↗
2026-01-12	Exhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-05-21	2026-05-20	0001104659-26-065155 ↗
10-Q	2026-05-07	2026-03-31	0000831001-26-000019 ↗
8-K	2026-04-14	2026-04-14	0001104659-26-042942 ↗
8-K	2026-04-03	2026-04-03	0001104659-26-039663 ↗
10-K	2026-02-20	2025-12-31	0000831001-26-000011 ↗
8-K	2026-02-12	2026-02-11	0001193125-26-048689 ↗
8-K	2026-02-12	2026-02-11	0001104659-26-014378 ↗
8-K	2026-02-03	2026-02-02	0001193125-26-035604 ↗
8-K	2026-01-14	2026-01-14	0001104659-26-003604 ↗
8-K	2026-01-12	2026-01-09	0001193125-26-010408 ↗
8-K	2025-12-29	2025-12-29	0001104659-25-124865 ↗
8-K	2025-12-10	2025-12-09	0001193125-25-314169 ↗