Revenue segments as reported by the company.

Institutional Clients Group

Personal Banking and Wealth Management

Legacy Franchises

Services

Markets

Banking

U.S. Personal Banking

Wealth

All Other—managed basis

Reconciling Items—Divestiture-related impacts

Global Consumer Banking

Corporate / Other

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Provisions for credit losses and for benefits and claims

Compensation and benefits

Premises and equipment

Technology / communication

Advertising and marketing

Other operating

Restructuring

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Citigroup

Banamex is the second largest bank in Mexico.

Banamex

Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Global Consumer Banking, Institutional Clients Group, and Corporate and Other. The Global Consumer Banking segment provides traditional banking services to retail customers through retail banking, including commercial banking, and Citi-branded cards and Citi retail services. The Institutional Clients Group segment provides corporate, institutional, public sector and high-net-worth clients around the world with a full range of wholesale banking products and services. This segment includes fixed income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed income research, corporate lending, investment banking and advisory services, private banking, cash management, trade finance and securities services. The Corporate and Other segment includes certain unallocated costs of global staff functions, other corporate expenses and unallocated global operations and technology expenses, Corporate Treasury, certain North America and international legacy consumer loan portfolios, other legacy assets, and discontinued operations. The company was founded in 1812 and is headquartered in New York, NY.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Citigroup reports steady Q4 earnings, focuses on strategic transformation

Citigroup's Q4 2022 performance showed steady net income and revenue growth, with a focus on strategic priorities and transformation efforts. Challenges in investment banking and wealth management are being addressed through cost reduction and technology investments. Opportunities for growth exist in wealth management strategies and market improvements.

Citigroup reports robust Q1 earnings, eyes growth amidst uncertainties

Citigroup's Q1 2023 earnings call showcased strong financial performance, emphasizing growth in core businesses and positive prospects in Wealth Management. While facing global uncertainties and interest rate challenges, the company focuses on investments in modernization and growth opportunities in key markets. Citigroup aims for sustainable growth through strategic initiatives and prudent risk management.

Citigroup reports mixed Q2 results, focuses on revenue stability

Citigroup's Q2 performance showed mixed results with strong revenue growth in key segments but challenges in expenses and Investment Banking
The focus on steady revenues, cost reduction, and simplification efforts presents opportunities for improving returns and capital management
Client sentiment remains cautious amidst global uncertainties, with a strategic shift towards efficiency and innovation in response to market dynamics
Balancing capital adjustments, expense management, and client needs will be crucial for Citigroup's future growth and resilience

Citigroup reports solid Q3 earnings, focuses on revenue growth

Citigroup's Q3 results reflect strong revenue growth and strategic focus on capital optimization.
Despite challenges in organizational restructuring and capital requirements, the company is optimistic about revenue growth targets.
Investments in innovation and client relationships position Citigroup for future success in various business segments.
The company's commitment to efficiency and transparency underscores confidence in achieving long-term targets.

Citigroup reports record performance in 2023, outlines strategic priorities

Citigroup made strategic accomplishments in 2023 despite Q4 challenges, focusing on 2024 priorities.
The company is committed to transparency, accountability, and delivering results to shareholders.
Balancing near-term profitability improvements with future growth investments is a key focus for Citigroup.
Optimism in achieving long-term targets through expense reduction, revenue growth, and operational improvements.

Citigroup reports solid Q1 earnings, navigates challenges with strategic focus

Citigroup's Q1 earnings call showcased a mix of strong performance, strategic initiatives, challenges, and opportunities. The company's focus on cost management, revenue diversification, and enhancing client experience positions it well for future growth and profitability amidst a dynamic economic environment.

Citigroup reports robust Q3 earnings, eyes IPO readiness and compliance

Citigroup's Q3 performance showcased revenue growth, expense discipline, and progress in regulatory compliance, with a focus on optimizing shareholder value and market opportunities.
While facing challenges in Fixed Income revenues and regulatory reporting, the company aims to capitalize on opportunities in stock buybacks, IPO readiness, and client asset growth.
Overall, Citigroup's strategic initiatives position it well for sustained growth, profitability, and shareholder value creation, underpinned by a commitment to operational excellence and regulatory transparency.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

The “big six” U.S. banks have all reported their fourth-quarter results, wrapping up a difficult 2022, when soaring interest rates forced a decline in several areas of business.

Here's why Citigroup's stock stands out among the biggest U.S. banks

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Citigroup usually trades at a discount to peers, but currently, it's trading even more depressed near the bottom of its historical pattern. While there are several factors justifying a discounted valuation, its current 0.5x P/BV seems to be too harsh.

Why Is Citigroup Stock So Cheap?

Citigroup is planning to sell the consumer banking and middle-market operations of Citibanamex, an important part of its transformation.

Update: How Is the Planned Sale of Citigroup's Very Profitable Mexican Consumer Banking Franchise Going?

The bank has significantly increased a key regulatory capital ratio.

Citigroup Has Built Up a Lot of Capital but Is Still Not Repurchasing Stock. What Gives?

Bank of America

Goldman Sachs

JPMorgan Chase & Co

Morgan Stanley

Wells Fargo

Big banks' earnings have shown the great financial services digital shift continues. J.P. Morgan, Bank of America, Citi and Wells last week provided variations on several themes: A mild recession seems a real possibility this year.

Big Bank Earnings Spotlight Unstoppable Digital Shift

Citigroup Inc is boosting compensation for most of its junior bankers by as much as 15%, Bloomberg News reported on Wednesday, highlighting the talent war on Wall Street even amid downsizing by some firms over recent months.

Citigroup hikes pay for junior bankers despite tough year - Bloomberg News

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I do monthly, recurring (sometimes weekly) investing in undervalued dividend-paying stocks. Unlike many others here, I mix companies in NA and EU/APAC. I choose the most undervalued stocks that I currently see, and that I personally invest in.

Valuation Matters: 3 Undervalued Stocks For January 2023

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AbbVie

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In 2015, I started publishing updates regarding my dividend growth portfolio, and I keep doing so every quarter. This is part of being transparent with my readers, so they can see what I hold and its correlation with my writing.

My Dividend Growth Portfolio - Q4 2022 Summary

Citi reached its milestone of 13% CET1, yet refuses to buy back shares. The culprit is the expected disposal of Mexico consumer operations expected in Q1 that will cause a temporary capital headwind.

Citigroup: Mr. Market Is Frustrated With No Buybacks

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Even as Buffett's company Berkshire Hathaway has ventured into other sectors, it has always invested in banks.

21% of Warren Buffett's Portfolio Is Invested In Just 5 Bank Stocks

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The utility said it will boost its quarterly disbursement to 24 cents a share from 22.5 cents.

Utility PPL Raised Its Dividend This Week. Here Are 5 Who Kept Their Payouts Steady.

The market liked what it saw in the fourth quarter releases from JPMorgan (JPM), Bank of America (BAC), Citigroup (C), and even Wells Fargo (WFC).

Plenty of Positives in Big Bank Earnings: What's Next?

Citigroup Inc. (NYSE:C.PK ) Q4 2022 Earnings Conference Call January 13, 2023 11:00 AM ET Company Participants Jen Landis - Head, Investor Relations Jane Fraser - Chief Executive Officer Mark Mason - Chief Financial Officer Conference Call Participants Glenn Schorr - Evercore John McDonald - Autonomous Research Erika Najarian - UBS Mike Mayo - Wells Fargo Securities Ebrahim Poonawala - Bank of America Betsy Graseck - Morgan Stanley Matt O'Connor - Deutsche Bank Jim Mitchell - Seaport Global Ken Usdin - Jefferies Sheng Wang - Wolfe Research Mike Mayo - Wells Fargo Securities Operator Hello and welcome to Citi's Fourth Quarter 2022 Earnings Review with the Chief Executive Officer, Jane Fraser; and Chief Financial Officer, Mark Mason. Today's call will be hosted by Jen Landis, Head of Citi Investor Relations.

Citigroup Inc. (C) Q4 2022 Earnings Call Transcript

JPMorgan Chase & Co and Bank of America Corp continued to add staff as the economy softens, even after the ranks of the five biggest U.S. lenders swelled by 100,000 since the start of 2020.

Big U.S. banks show brave face on jobs as Goldman Sachs cuts staff

JPMorgan Chase & Co., Bank of America Corp. and Citigroup Inc. all continued hiring in the fourth quarter, while at Wells Fargo & Co., head count dropped, according to fresh figures provided by the banks on Friday.

Jobs added at Bank of America, Citi and JPMorgan but cut at Wells Fargo

Citi sees a macroeconomic environment that is better than expected in the new year.

Citi Expects Mild Recession in US in Second Half of 2023

Citigroup's (C) Q4 results are supported by Institutional Clients Group, and Personal Banking and Wealth Management's strong revenues. Higher allowance for credit losses on loans acts as a spoilsport.

Citigroup (C) Q4 Earnings Miss Estimates, Revenues Beat

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Wall Street Kicks Off Q4 2022 Earnings Season.

Wall Street Kicks Off Q4 2022 Earnings Season

Citigroup (C) delivered earnings and revenue surprises of -6.78% and 0.54%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

Citigroup (C) Q4 Earnings Lag Estimates

The bank said it made significant progress in simplifying and strengthening its business.

Citigroup's Results Top Forecasts Even as It Sees Higher Credit Costs

Citigroup estimated that it will generate between $78 billion and $79 billion in revenue in 2023, higher than analyst estimates of $76 billion.

Citigroup beats 4th-quarter forecasts as its fixed income trading group delivers record results

Citigroup Inc. C, +0.78% shares fell 2.4% in premarket trades on Friday after the bank posted lower profit. Fourth-quarter net income fell to $2.5 billion, or $1.16, from $3.2 billion, or $1.46 a share, in the year-ago quarter.

Citi net income falls but beats target, shares dip

News for Citigroup Stock (C)