Aureus
FRed Flag

Citigroup, Inc.(C)

F

Financial data as of Dec 31, 2025Improving · 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+61.3%1 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
→
+1Strong YoY FCF growth (61.3% YoY)
→
-1Only 1 positive quarters recently
→
-0.5Highly volatile FCF (consistency: 1.52)
→
FinalF

Analysis Summary

Strengths

  • Strong YoY FCF growth (+61.3%)

Concerns

  • Negative FCF margin (-87.0%)
  • Net debt position ($18.1B)
  • Current ratio below 1.0 — tight short-term liquidity
  • Only 1 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

+61.3% YoYImproving (+61.3%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

View all →

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+61.3%
Positive Quarters1 of 5
Trend DirectionImproving
Report DateDec 31, 2025
GradeF
Data SourceYahoo Finance

Related Research

All research →
Sector Report4 min read

Financials: 22 A-Grades, Five Banks Destroying Cash

Payments and exchanges print money. The biggest banks still burn it. Six F-grades are all improving, but from deeply negative baselines.

Aug 7, 2026
CMEVMACOF+11
Sector Report4 min read

Financials: 22 A-Grades Hiding Five Banking Disasters

The sector splits clean: exchanges and payments print cash, megabanks burn it. Twenty companies improving can't hide the bottom five.

Jul 6, 2026
CMEVMACOF+16
Sector Report5 min read

Financials: 22 A-Grades Hiding Five Banking Disasters

Payment networks and exchanges print 50%+ margins while traditional banks bleed cash. The sector split is stark.

Jun 5, 2026
CMEVMACOF+19