30 Year Financial Data of Citigroup Inc (C)

C- NYSE (USA) Also traded in: Argentina, Austria, Brazil, Chile, Germany, Japan, Mexico, Peru, Switzerland, UK
Citigroup Inc Ordinary Shares

Currently 1/5

Business Predictability Rank: 1-Star
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Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$65.88

1.53(2.27%) Volume: 24,163,926 4:02PM EST

Avg Vol (1m): 20,156,329

Warning! GuruFocus has detected 2 Severe Warning Signs with C. Click here to check it out.

Market Cap : 137.17 B	Enterprise Value : 142.87 B	PE Ratio : 13.10	PB Ratio : 0.77

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Also traded in: Argentina, Austria, Brazil, Chile, Germany, Japan, Mexico, Peru, Switzerland, UK

Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-2.90	5.20	12.30
EBITDA Growth (%)	N/A	N/A	N/A
Operating Income Growth (%)	N/A	N/A	N/A
EPS without NRI Growth (%)	N/A	N/A	20.20
Free Cash Flow Growth (%)	N/A	N/A	-160.30
Book Value Growth (%)	3.90	3.80	10.50

*12-month growth rate is calculated with the quarterly per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 6-year and 11-year annual numbers. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the growth rate you want.

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* All numbers are in millions except for per share data, ratios, and percentage data * All shares outstanding data and per share data are split adjusted * Empty lines (lines with only 0's) are hidden by default * Preliminary data is from the companies' press releases. 10-Q/K data is not available yet. Preliminary data is not used in the calculation of Ratios,Scores or Rankings * Financial Statement Template: Bank * Cash Flow from Operations Template: Indirect Method * For latest financial page display change, please click GuruFocus 30-Y Financials Page Item Changes

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Fiscal Period	Trend	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20 Preliminary	TTM Preliminary	Dec19	Mar20	Jun20	Sep20	Dec20 Preliminary
Per Share Data	Annuals (USD $)View: $ % YOY																	Quarterly

Revenue per Share													26.85	29.20	32.79	35.40	35.43	8.48	9.81	9.48	8.26	7.88
Earnings per Share (Diluted)													-2.98	6.68	8.04	4.87	5.03	2.15	1.05	0.50	1.40	2.08
EPS without NRI													-2.94	6.69	8.04	4.88	5.04	2.15	1.06	0.51	1.40	2.07
Owner Earnings per Share (TTM)													-15.45	14.33	-18.30	--	-11.32	-18.30	-20.84	-15.79	-11.32	--
Free Cash Flow per Share													-4.50	13.30	-8.02	--	-1.65	9.94	-12.30	2.62	-1.92	--
Operating Cash Flow per Share													-3.25	14.81	-5.67	--	-0.10	10.40	-12.08	3.04	-1.45	--
Cash per Share													70.24	79.42	91.73	147.51	147.74	91.73	137.34	148.80	155.47	147.74
Dividends per Share													0.96	1.54	1.92	2.04	2.04	0.51	0.51	0.51	0.51	0.51
Book Value per Share													70.62	75.05	82.90	85.89	86.03	82.90	83.75	83.41	84.48	86.03
Tangible Book per Share													59.96	63.54	70.15	73.07	73.19	70.15	71.35	70.99	71.79	73.19
Total Debt per Share													109.41	111.61	138.98	143.50	143.72	138.98	154.22	153.68	149.23	143.72
Month End Stock Price													74.41	52.06	79.89	--	65.88	79.89	42.12	51.10	43.11	--

Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20 Preliminary	TTM Preliminary	Dec19	Mar20	Jun20	Sep20	Dec20 Preliminary

ROE %													-3.78	8.40	9.33	5.79	5.57	9.55	4.59	2.19	6.08	9.41
ROE % Adjusted to Book Value													-3.60	12.17	9.72	--	7.23	9.95	9.18	3.59	11.92	--
ROA %													-0.37	0.96	1.00	0.54	0.54	1.00	0.48	0.24	0.58	0.82
Return-on-Tangible-Equity													-4.35	9.74	10.84	6.70	6.45	11.07	5.31	2.53	7.03	10.89
Return-on-Tangible-Asset													-0.38	0.97	1.02	0.55	0.54	1.02	0.49	0.24	0.59	0.83
ROIC %													--	--	--	--	--	--	--	--	--	--
WACC %													5.96	5.22	10.19	--	9.95	10.19	9.04	8.00	6.65	--
Effective Interest Rate on Debt %													6.38	8.90	10.45	4.89	4.70	9.17	7.35	4.38	3.58	3.35

Net Interest Margin (Bank Only) %													3.07	3.05	3.02	2.60	2.55	3.05	2.78	2.55	2.42	2.40
Net Margin %													-9.38	24.77	26.12	15.30	15.74	27.09	12.17	6.66	18.67	28.05
FCF Margin %													-16.75	45.54	-24.46	--	-4.05	117.23	-125.38	27.66	-23.28	--

Debt-to-Equity													1.40	1.35	1.52	1.51	1.51	1.52	1.67	1.67	1.60	1.51
Equity-to-Asset													0.11	0.10	0.10	0.09	0.09	0.10	0.09	0.09	0.09	0.09
Debt-to-Asset													0.15	0.14	0.15	0.13	0.13	0.15	0.15	0.14	0.14	0.13

Asset Turnover													0.04	0.04	0.04	0.04	0.03	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio													--	0.23	0.24	0.42	0.42	0.24	0.48	1.00	0.36	0.25


Income Statement	Annual (USD $) View: $%/share% YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20 Preliminary	TTM Preliminary	Dec19	Mar20	Jun20	Sep20	Dec20 Preliminary

Interest Income													61,579	70,828	76,510	58,089	58,013	18,694	17,139	14,546	13,281	13,047
Interest Expense													-16,518	-24,266	-29,163	-14,541	-14,541	-6,548	-5,647	-3,509	-2,821	-2,564
Net Interest Income (for Banks)													45,061	46,562	47,347	43,548	43,472	12,146	11,492	11,037	10,460	10,483
Non Interest Income													27,383	26,292	26,939	30,746	30,839	6,232	9,239	8,729	6,842	6,029
Revenue													72,444	72,854	74,286	74,294	74,311	18,378	20,731	19,766	17,302	16,512

Credit Losses Provision													7,451	7,568	8,383	17,378	17,143	2,222	7,027	7,903	2,262	-49
Selling, General, & Admin. Expense													29,698	29,892	30,026	30,814	30,814	7,260	7,705	7,664	7,724	7,721
Other Noninterest Expense													12,534	11,949	11,976	12,080	11,889	3,194	2,889	2,751	3,240	3,009
Total Noninterest Expense													42,232	41,841	42,002	42,894	42,703	10,454	10,594	10,415	10,964	10,730
SpecialCharges													--	--	--	--	--	--	--	--	--	--
Other Income (Expense)													--	--	--	--	--	--	--	--	--	--
Pre-Tax Income													22,761	23,445	23,901	14,022	14,465	5,702	3,110	1,448	4,076	5,831
Tax Provision													-29,388	-5,357	-4,430	-2,592	-2,705	-703	-576	-131	-815	-1,183
Tax Rate %													129.12	22.85	18.53	18.49	18.70	12.33	18.52	9.05	20.00	20.29
Net Income (Continuing Operations)													-6,627	18,088	19,471	11,430	11,760	4,999	2,534	1,317	3,261	4,648
Net Income (Discontinued Operations)													-111	-8	-4	-20	-20	-4	-18	-1	-7	6
Other Income (Minority Interest)													-60	-35	-66	-40	-40	-16	6	--	-24	-22
Net Income													-6,798	18,045	19,401	11,370	11,700	4,979	2,522	1,316	3,230	4,632
Net Margin %													-9.38	24.77	26.12	15.30	15.74	27.09	12.17	6.66	18.67	28.05

Preferred Dividends													1,213	1,174	1,109	--	828	297	291	253	284	--
EPS (Basic)													-2.98	6.69	8.08	5.45	5.19	2.32	1.05	0.51	1.41	2.22
EPS (Diluted)													-2.98	6.68	8.04	4.87	5.03	2.15	1.05	0.50	1.40	2.08
Shares Outstanding (Diluted Average)													2,698.5	2,494.8	2,265.3	2,099.0	2,095.7	2,166.6	2,113.7	2,084.3	2,094.3	2,095.7

Depreciation, Depletion and Amortization													3,659	3,754	3,905	--	2,886	1,039	927	926	1,033	--

Balance Sheet	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20 Preliminary	Latest Q. Preliminary	Dec19	Mar20	Jun20	Sep20	Dec20 Preliminary

Cash and cash equivalents													180,516	188,105	193,919	309,615	309,615	193,919	285,920	309,773	323,695	309,615
Money Market Investments													232,478	270,684	251,322	294,712	294,712	251,322	262,536	282,917	289,358	294,712
Gross Loan													667,060	684,196	699,483	675,883	675,883	699,483	721,020	685,292	666,911	675,883
Allowance For Loans And Lease Losses													-12,355	-12,315	-12,783	-24,956	-24,956	-12,783	-20,841	-26,420	-26,426	-24,956
Unearned Income													-26	--	--	--	--	--	--	--	--	--
Net Loan													654,679	671,881	686,700	650,927	650,927	686,700	700,179	658,872	640,485	650,927
Securities & Investments													605,080	614,724	644,703	822,438	822,438	644,703	763,883	795,564	795,733	822,438
Accounts Receivable													--	14,415	15,912	--	--	15,912	22,390	17,145	--	--
Notes Receivable													--	--	--	--	--	--	--	--	--	--
Other Current Receivables													38,384	21,035	23,945	44,806	44,806	23,945	46,165	34,488	51,610	44,806
Total Receivables													38,384	35,450	39,857	44,806	44,806	39,857	68,555	51,633	51,610	44,806
Property, Plant and Equipment													--	--	--	--	--	--	--	--	--	--
Intangible Assets													27,402	27,266	26,948	26,909	26,909	26,948	25,824	25,850	26,428	26,909
Goodwill													22,256	22,046	22,126	22,162	22,162	22,126	21,264	21,399	21,624	22,162
Other Assets for Banks													103,926	109,273	107,709	110,914	110,914	107,709	112,873	108,106	107,150	110,914
Total Assets													1,842,465	1,917,383	1,951,158	2,260,321	2,260,321	1,951,158	2,219,770	2,232,715	2,234,459	2,260,321

Total Deposits													959,822	1,013,170	1,070,590	1,280,671	1,280,671	1,070,590	1,184,911	1,233,660	1,262,623	1,280,671
Accounts Payable & Accrued Expense													61,342	64,571	48,601	50,484	50,484	48,601	74,368	60,567	54,328	50,484
Short-Term Debt & Capital Lease Obligation													44,452	32,346	45,049	29,514	29,514	45,049	54,951	40,156	37,439	29,514
Long-Term Debt & Capital Lease Obligation													236,709	231,999	248,760	271,686	271,686	248,760	266,098	279,775	273,254	271,686
Debt-to-Equity													1.40	1.35	1.52	1.51	1.51	1.52	1.67	1.67	1.60	1.51
Other Liabilities for Banks													338,468	378,223	344,212	427,443	427,443	344,212	446,460	426,255	412,220	427,443
Total Liabilities													1,640,793	1,720,309	1,757,212	2,059,798	2,059,798	1,757,212	2,026,788	2,040,413	2,039,864	2,059,798

Common Stock													31	31	31	31	31	31	31	31	31	31
Preferred Stock													19,253	18,460	17,980	19,480	19,480	17,980	17,980	17,980	17,980	19,480
Retained Earnings													138,425	151,347	165,369	168,595	168,595	165,369	163,438	163,431	165,303	168,595
Accumulated other comprehensive income (loss)													-34,668	-37,170	-36,318	-32,058	-32,058	-36,318	-32,521	-33,345	-33,065	-32,058
Additional Paid-In Capital													108,008	107,922	107,840	107,846	107,846	107,840	107,550	107,668	107,764	107,846
Treasury Stock													-30,309	-44,370	-61,660	-64,129	-64,129	-61,660	-64,147	-64,143	-64,137	-64,129
Other Stockholders Equity													--	--	--	--	--	--	--	--	--	--
Total Stockholders Equity													200,740	196,220	193,242	199,765	199,765	193,242	192,331	191,622	193,876	199,765
Minority Interest													932	854	704	758	758	704	651	680	719	758
Total Equity													201,672	197,074	193,946	200,523	200,523	193,946	192,982	192,302	194,595	200,523
Equity-to-Asset													0.11	0.10	0.10	0.09	0.09	0.10	0.09	0.09	0.09	0.09

Cashflow Statement	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20 Preliminary	TTM Preliminary	Dec19	Mar20	Jun20	Sep20	Dec20 Preliminary

Net Income From Continuing Operations													-6,687	18,053	19,405	11,430	11,742	4,983	2,540	1,317	3,237	4,648
Depreciation, Depletion and Amortization													3,659	3,754	3,905	--	3,925	1,039	927	926	1,033	--
Change In Receivables													-5,307	6,163	-20,377	--	-6,409	-383	-2,931	3,121	-6,216	--
Change In Inventory													--	--	--	--	--	--	--	--	--	--
Change In Prepaid Assets													--	--	--	--	--	--	--	--	--	--
Change In Payables And Accrued Expense													--	--	--	--	--	--	--	--	--	--
Change In Other Working Capital													-28,574	9,774	-38,891	--	-29,621	15,095	-47,572	-6,256	9,112	--
Change In Working Capital													-33,881	15,937	-59,268	--	-36,030	14,712	-50,503	-3,135	2,896	--
Deferred Tax													24,877	-51	-610	--	--	--	--	--	--	--
Stock Based Compensation													--	--	--	--	--	--	--	--	--	--
Asset Impairment Charge													--	--	--	--	--	--	--	--	--	--
Cash from Discontinued Operating Activities													--	--	--	--	--	--	--	--	--	--
Cash Flow from Others													3,258	-741	23,731	--	20,295	1,787	21,503	7,217	-10,212	--
Cash Flow from Operations													-8,774	36,952	-12,837	--	267	22,521	-25,533	6,325	-3,046	--

Purchase Of Property, Plant, Equipment													-3,361	-3,774	-5,336	--	-3,276	-976	-460	-858	-982	--
Sale Of Property, Plant, Equipment													377	212	259	--	202	177	2	10	13	--
Purchase Of Business													--	--	--	--	--	--	--	--	--	--
Sale Of Business													3,411	314	--	--	--	--	--	--	--	--
Purchase Of Investment													-185,740	-152,487	-274,491	--	-353,842	-77,758	-108,658	-99,043	-68,383	--
Sale Of Investment													191,737	145,095	256,224	--	276,881	68,168	73,602	66,498	68,613	--
Net Intangibles Purchase And Sale													--	--	--	--	--	--	--	--	--	--
Cash From Discontinued Investing Activities													--	--	--	--	--	--	--	--	--	--
Cash From Other Investing Activities													-45,175	-62,478	-30	--	-14,447	-893	-37,343	14,561	9,228	--
Cash Flow from Investing													-38,751	-73,118	-23,374	--	-94,482	-11,282	-72,857	-18,832	8,489	--

Issuance of Stock													--	--	--	--	--	--	--	--	--	--
Repurchase of Stock													-14,541	-14,433	-17,571	--	-8,001	-5,076	-2,925	--	--	--
Net Issuance of Preferred Stock													--	-793	-484	--	-1,500	-1,500	--	--	--	--
Issuance of Debt													81,711	60,655	71,837	--	104,280	28,779	38,829	29,544	7,128	--
Payments of Debt													-40,986	-70,238	-51,029	--	-78,164	-13,131	-13,081	-34,011	-17,941	--
Net Issuance of Debt													40,725	-9,583	20,808	--	26,116	15,648	25,748	-4,467	-10,813	--
Cash Flow for Dividends													-3,797	-5,020	-5,447	--	-5,423	-1,399	-1,365	-1,314	-1,345	--
Other Financing													44,467	74,357	45,627	--	186,622	-45,891	169,900	42,146	20,467	--
Cash Flow from Financing													66,854	44,528	42,933	--	197,814	-38,218	191,358	36,365	8,309	--

Effect of Exchange Rate Changes													693	-773	-908	--	-347	455	-967	-5	170	--
Net Change in Cash													20,022	7,589	5,814	--	103,252	-26,524	92,001	23,853	13,922	--
Capital Expenditure													-3,361	-3,774	-5,336	--	-3,276	-976	-460	-858	-982	--
Free Cash Flow													-12,135	33,178	-18,173	--	-3,009	21,545	-25,993	5,467	-4,028	--

Valuation Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20 Preliminary	Current Preliminary	Dec19	Mar20	Jun20	Sep20	Dec20 Preliminary


PE Ratio
PE Ratio without NRI
Price-to-Owner-Earnings
PB Ratio
Price-to-Tangible-Book
Price-to-Free-Cash-Flow
Price-to-Operating-Cash-Flow
PS Ratio
PEG Ratio
EV-to-Revenue
Earnings Yield (Joel Greenblatt) %
Forward Rate of Return (Yacktman) %
Shiller PE Ratio
Dividend Yield %

Valuation and Quality	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20 Preliminary	Current Preliminary	Dec19	Mar20	Jun20	Sep20	Dec20 Preliminary


Market Cap
Enterprise Value
Month End Stock Price
Net Cash per Share
Net Current Asset Value
Net-Net Working Capital
Intrinsic Value: Projected FCF
Median PS Value
Peter Lynch Fair Value
Graham Number
Earnings Power Value (EPV)
Piotroski F-Score
Beneish M-Score
Scaled Net Operating Assets
Sloan Ratio %
Highest Stock Price
Lowest Stock Price
Shares Buyback Ratio %
Buyback Yield %
YoY Rev. per Sh. Growth
YoY EPS Growth
Shares Outstanding (Basic Average)
Shares Outstanding (EOP)
Beta
Filing Date

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