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Citigroup, Inc.(C)

F

Financial data as of Dec 31, 2025Stable · Financials

FCF Margin-87.0%Free Cash Flow / Revenue
Cash Conversion—Operating CF / Net Income
Free Cash Flow-$74.2B
Revenue$85.2B
Net Cash-$18.1BNet debt position
Debt / FCFN/AElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+7.9%2 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseF
→
-1Current ratio below 1.0 (0.00)
→
-1Negative FCF in 3 of last 4 quarters
→
-1Only 2 positive quarters recently
→
-0.5Highly volatile FCF (consistency: 3.32)
→
FinalF

Analysis Summary

Concerns

  • Negative FCF margin (-87.0%)
  • Net debt position ($18.1B)
  • Current ratio below 1.0 — tight short-term liquidity
  • Only 2 positive FCF quarters recently
  • Highly volatile quarterly FCF
Cash conversion ratio unavailable or not meaningful

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin-87.0%
Net Margin16.8%
Operating CF Margin-79.4%
CapEx Ratio7.7%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$18.1BNet debt position
Debt / FCFN/AElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity1.91Moderate leverage

Quarterly FCF Trend

+7.9% YoYStable (+7.9%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameCitigroup, Inc.
SectorFinancials
Free Cash Flow-$74.2B
Revenue$85.2B
Net Income$14.3B
Operating Cash Flow-$67.6B
Capital Expenditure$6.5B
FCF Margin-87.0%
Cash Conversion Rate—
Net Margin16.8%
Total Debt$367.7B
Total Cash$349.6B
Net Cash-$18.1B
Current Ratio0.00
Debt / Equity1.91
Debt / FCFN/A
YoY FCF Growth+7.9%
Positive Quarters2 of 5
Trend DirectionStable
Report DateDec 31, 2025
GradeF
Data SourceYahoo Finance

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