📊 C-PR Key Takeaways
Investment Thesis
Citigroup exhibits severe operational distress with negative free cash flow of -$74.2B and collapsing revenues (-40.3% YoY), indicating fundamental business deterioration. While net income grew 9.9% YoY, this appears driven by expense cuts rather than genuine operational improvement, evidenced by a dangerously low interest coverage ratio of 0.4x that threatens debt servicing capacity.
C-PR Strengths
- Substantial liquidity position with $349.6B in cash and equivalents providing short-term stability
- Net income growth of 9.9% YoY demonstrates cost management efforts
- Operating margin of 23.3% indicates operational efficiency in core activities
C-PR Risks
- Catastrophic free cash flow of -$74.2B signals the company is burning cash and unable to sustain operations or debt payments from operations
- Revenue collapse of -40.3% YoY indicates severe contraction in core banking business and market share loss
- Interest coverage ratio of 0.4x is critically low and unsustainable, with operating income barely covering interest expenses
- High leverage with debt-to-equity of 1.49x combined with negative operating cash flow creates solvency risk
- Zero insider buying activity suggests management lacks confidence in company fundamentals
Key Metrics to Watch
- Operating cash flow trend and path to positive FCF
- Revenue stabilization and recovery trajectory
- Interest coverage ratio improvement and debt reduction progress
- Net interest margin compression/expansion in banking operations
C-PR Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
C-PR Profitability Ratios
C-PR vs Finance Sector
How CITIGROUP INC compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
C-PR Balance Sheet & Liquidity
C-PR 5-Year Financial Trend
5-Year Trend Summary: CITIGROUP INC's revenue has grown significantly by 13% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.04 reflects profitable operations.
C-PR Growth Metrics (YoY)
C-PR Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $20.2B | $3.2B | $1.51 |
| Q2 2025 | $20.0B | $3.2B | $1.52 |
| Q1 2025 | $21.0B | $3.4B | $1.58 |
| Q3 2024 | $20.1B | $3.2B | $1.51 |
| Q2 2024 | $19.4B | $2.9B | $1.33 |
| Q1 2024 | $21.1B | $3.4B | $1.58 |
| Q3 2023 | $18.5B | $3.5B | $1.63 |
| Q2 2023 | $19.4B | $2.9B | $1.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
C-PR Capital Allocation
C-PR SEC Filings
Access official SEC EDGAR filings for CITIGROUP INC (CIK: 0000831001)
📋 Recent SEC Filings
❓ Frequently Asked Questions about C-PR
What is the AI rating for C-PR?
CITIGROUP INC (C-PR) has an AI rating of SELL with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are C-PR's key strengths?
Substantial liquidity position with $349.6B in cash and equivalents providing short-term stability. Net income growth of 9.9% YoY demonstrates cost management efforts.
What are the risks of investing in C-PR?
Catastrophic free cash flow of -$74.2B signals the company is burning cash and unable to sustain operations or debt payments from operations. Revenue collapse of -40.3% YoY indicates severe contraction in core banking business and market share loss.
What is C-PR's revenue and growth?
CITIGROUP INC reported revenue of $85.2B.
Does C-PR pay dividends?
CITIGROUP INC pays dividends, with $5,372.0M distributed to shareholders in the trailing twelve months.
Where can I find C-PR SEC filings?
Official SEC filings for CITIGROUP INC (CIK: 0000831001) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is C-PR's EPS?
CITIGROUP INC has a diluted EPS of $6.99.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.