Citigroup Inc. (NYSE:C) is a major player in the financial services industry, offering a wide range of banking and financial products. The company operates globally, providing services such as consumer banking, investment banking, and wealth management. Citigroup competes with other financial giants like JPMorgan Chase and Bank of America.
On January 14, 2026, Citigroup reported earnings per share (EPS) of $1.19, which was below the estimated $1.65. The company's revenue was $19.87 billion, falling short of the expected $20.45 billion. This shortfall in earnings and revenue reflects challenges the company faced during the fourth quarter.
Under CEO Jane Fraser, Citigroup reported a net income of $2.5 billion for the fourth quarter, down from $2.9 billion the previous year. This 13% decline in profit is largely due to a $1.2 billion loss related to the sale of its Russia business, AO Citibank. Despite this, Citigroup ended 2025 with strong performance in dealmaking.
Citigroup's stock saw an increase despite the profit decline, as highlighted by the company's strategic plans to sell its Russian operations. The company's price-to-earnings (P/E) ratio is 13.96, indicating investor confidence in its earnings potential. However, the negative enterprise value to operating cash flow ratio of -8.39 suggests challenges in generating cash flow.
The company's debt-to-equity ratio is high at 3.38, indicating a significant reliance on debt financing. Additionally, the current ratio of 0.37 points to potential liquidity challenges. Despite these financial hurdles, Citigroup's earnings yield of 7.16% offers insight into the earnings generated from each dollar invested.
