Keuangan Citigroup Inc. (C)
NYSE · Financial Services · Banks - Diversified · Karyawan: 217.000 · CEO: Jane Nind Fraser
- Harga
- $122,64 -2,48%
- Kapitalisasi pasar
- $206 M
- Nilai perusahaan
- $668 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-13
- Laporan berikutnya
- 2027-01-14
Pendapatan (TTM)$176 M+4,6% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)15,1%+3,4 poin vs tahun laluLaba operasional: $26,7 M
Laba bersih (TTM)$19,3 M+31,6% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)-$24 M+68,4% vs tahun laluCapex: $4,6 M
EPS dilusian (TTM)$10,25+44,0% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$645 M+1.453,6% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $206 M EV $668 M
- Pendapatan
- $176 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 11,0% Laba bersih / pendapatan, TTM
- P/E
- 11,7×
- P/S
- 1,2× Harga / penjualan, TTM
- EV / EBITDA
- 12,9× TTM
- Arus kas bebas
- -$24 M 12 bulan terakhir
- Laba bersih
- $19,3 M 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-14
- Dividen
- $2,47 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan stabil: 4,1% yoyPendapatan Q3 '26: $45,6 M, rata-rata empat kuartal sebelumnya: 3,8%.
- Margin operasional 15,1% (TTM), dibanding tahun lalu: +3,4 poinLaba operasional tumbuh 34,5%, pendapatan tumbuh 4,6%.
- Capex: 2,6% dari pendapatan (tahun lalu 3,9%)$4,6 M diinvestasikan dalam 4 kuartal terakhir (-30,1% dibanding tahun sebelumnya). Arus kas bebas: -$24 M = -124,1% dari laba bersih.
- Jumlah saham dilusian turun dalam setahun: 8,4%Saham dilusian pada Q3 '26: 1,71 M, setahun sebelumnya: 1,86 M.
- Kas neto: $645 MKas + investasi jangka pendek: $1,46 T, utang termasuk sewa: $817 M; tahun lalu utang neto: $47,7 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $45,6 M | $43,8 M | +4,1% |
| Margin kotor | 46,6% | 44,8% | +1,8 poin |
| Laba operasional | $7,31 M | $5,35 M | +36,6% |
| Margin operasional | 16,0% | 12,2% | +3,8 poin |
| Laba bersih | $5,25 M | $3,75 M | +39,8% |
| EPS dilusian | $2,85 | $1,86 | +53,2% |
| Arus kas operasional | $0 | $1,1 M | -100,0% |
| Capex | $0 | $1,62 M | -100,0% |
| Arus kas bebas | $0 | -$517 jt | +100,0% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $0 | $0 | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q4 '25 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| U.S. Personal Banking | $5,29 M | -47,9% | 26,3% | $21 M | -17,1% | |
| Services | $5,94 M | -39,7% | 29,5% | $21,3 M | -12,6% | |
| Markets | $4,54 M | -52,9% | 22,6% | $22 M | -11,8% | |
| Personal Banking and Wealth Management | $2,13 M | -44,1% | 10,6% | $8,56 M | -8,2% | |
| Banking Segment | $2,21 M | -23,5% | 11,0% | $8,22 M | +4,9% |
Pendapatan per wilayah
porsi dari total| Segmen | Q4 '25 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| North America | $8,4 M | +1,2% | 45,9% | $34 M | +2,4% | |
| Asia | $4,1 M | +17,1% | 22,4% | $15 M | +8,7% | |
| EMEA | $3,2 M | +14,3% | 17,5% | $11,1 M | +4,7% | |
| Latin America | $2,6 M | +13,0% | 14,2% | $9,7 M | +6,6% |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- -$19,4 M
- Capex
- -$4,6 M
- Buyback
- -$16,3 M
- Dividen
- -$4,07 M
- Akuisisi
- $0
- Utang neto diterbitkan
- $39,9 M
- Kompensasi berbasis saham
- $0
- Arus kas bebas
- -$24 M
- Dikembalikan ke pemegang saham / FCF
- -84,9%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 11,7× | 10,6× | 5,9× – 16,1× |
| EV / EBITDA | 12,9× | 18,5× | 10,6× – 25,2× |
| EV / Penjualan | 3,8× | 3,1× | 2,6× – 4,2× |
| Harga / FCF | -8,6× | 3,7× 2 dari 5 tahun | 2,9× – 4,5× |
| Harga / Nilai buku | 1,0× | 0,6× | 0,4× – 1,0× |
| Imbal hasil FCF | -11,7% | -15,6% | -80,6% – 35,0% |
| Imbal hasil modal yang diinvestasikan | 1,8% | 1,7% | 0,9% – 2,9% |
| Imbal hasil ekuitas | 9,2% | 7,1% | 4,5% – 10,9% |
Analis
Target konsensus $151,50 (+23,5%)
rentang $135,00 – $165,00 · peringkat Buy
Beli kuat0
Beli17
Tahan9
Jual1
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 394 angka yang ditandai Citigroup Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$41,9 M | -$47,9 M | +12,4% | -$41,9 M | -$47,9 M | +12,4% |
| Additional Collateral, Aggregate Fair Value | $200 jt | $200 jt | 0,0% | $200 jt | $200 jt | 0,0% |
| Additional Paid in Capital | $108 M | $109 M | -0,6% | $108 M | $109 M | -0,6% |
| Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities | $24,1 M | $21,9 M | +9,8% | -$81,9 M | -$32,4 M | -153,3% |
| Amortization of Intangible Assets | – | – | – | $245 jt | $371 jt | -34,0% |
| Assets | $2,66 T | $2,35 T | +12,9% | $2,66 T | $2,35 T | +12,9% |
| Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum | 4,0% | 4,0% | 0,0% | 4,0% | 4,0% | 0,0% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum | 6,0% | 6,0% | 0,0% | 6,0% | 6,0% | 0,0% |
| Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum | 8,0% | 8,0% | 0,0% | 8,0% | 8,0% | 0,0% |
| Broker-Dealer, Payable to Customer | $61,2 M | $52 M | +17,6% | $61,2 M | $52 M | +17,6% |
| Broker-Dealer, Payable to Other Broker-Dealer and Clearing Organization | $13,7 M | $14,6 M | -6,4% | $13,7 M | $14,6 M | -6,4% |
| Carrying Value of Federal Funds Purchased, Securities Sold under Agreements to Repurchase, and Deposits Received for Securities Loaned | $348 M | $255 M | +36,6% | $348 M | $255 M | +36,6% |
| Carrying Value of Federal Funds Sold, Securities Purchased under Agreements to Resell, and Deposits Paid for Securities Borrowed | $356 M | $274 M | +30,0% | $356 M | $274 M | +30,0% |
| Carrying Value of Securities Purchased under Agreements to Resell and Deposits Paid for Securities Borrowed | $356 M | $274 M | +30,0% | $356 M | $274 M | +30,0% |
| Carrying Value of Securities Sold under Repurchase Agreements and Deposits Received for Securities Loaned | $348 M | $255 M | +36,6% | $348 M | $255 M | +36,6% |
| Cash and Due from Banks | $23,7 M | $22,8 M | +4,1% | $23,7 M | $22,8 M | +4,1% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | $0 | $0 | – | -$100 jt | -$500 jt | +80,0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $350 M | $277 M | +26,4% | $350 M | $277 M | +26,4% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $1,52 M | -$26,6 M | +105,7% | $73 M | $15,6 M | +368,3% |
| Collateral Already Posted, Aggregate Fair Value | $13 M | $13 M | 0,0% | $13 M | $13 M | 0,0% |
| Commercial Paper | $19,9 M | $28,9 M | -31,0% | $19,9 M | $28,9 M | -31,0% |
| Common Stock, Dividends, Per Share, Declared | $0,60 | $0,56 | +7,1% | – | – | – |
| Common Stock, Par or Stated Value Per Share | $0,01 | $0,01 | 0,0% | $0,01 | $0,01 | 0,0% |
| Common Stock, Shares Authorized | 6 M | 6 M | 0,0% | 6 M | 6 M | 0,0% |
| Common Stock, Shares, Issued | 3,1 M | 3,1 M | 0,0% | 3,1 M | 3,1 M | 0,0% |
| Common Stock, Value, Issued | $31 jt | $31 jt | 0,0% | $31 jt | $31 jt | 0,0% |
| Communications and Information Technology | $2,43 M | $2,28 M | +6,6% | $9,42 M | $9,04 M | +4,3% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $2,33 M | $201 jt | +1.059,7% | $17,8 M | $9,63 M | +85,3% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $2,4 M | $167 jt | +1.334,1% | $18,1 M | $9,72 M | +86,4% |
| Credit Derivative, Maximum Exposure, Undiscounted | $475 M | $439 M | +8,2% | $475 M | $439 M | +8,2% |
| Credit Risk Derivative Assets, at Fair Value | $9,72 M | $8,72 M | +11,6% | $9,72 M | $8,72 M | +11,6% |
| Credit Risk Derivative Liabilities, at Fair Value | $11,2 M | $7,25 M | +54,9% | $11,2 M | $7,25 M | +54,9% |
| Current Federal Tax Expense (Benefit) | – | – | – | -$43 jt | -$33 jt | -30,3% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $5,14 M | $5,95 M | -13,5% |
| Current Income Tax Expense (Benefit) | – | – | – | $4,92 M | $6,11 M | -19,4% |
| Current State and Local Tax Expense (Benefit) | – | – | – | -$176 jt | $195 jt | -190,3% |
| Debt and Equity Securities, Gain (Loss) | $107 jt | $118 jt | -9,3% | $471 jt | $328 jt | +43,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $24,9 M | $33,8 M | -26,5% | $24,9 M | $33,8 M | -26,5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $711 jt | $1,63 M | -56,5% | $711 jt | $1,63 M | -56,5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $54,6 M | $83,7 M | -34,8% | $54,6 M | $83,7 M | -34,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $416 jt | $1,09 M | -61,7% | $416 jt | $1,09 M | -61,7% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$170 jt | -$287 jt | +40,8% | -$184 jt | -$323 jt | +43,0% |
| Debt Securities, Available-for-sale, Restricted | $4,93 M | $5,39 M | -8,5% | $4,93 M | $5,39 M | -8,5% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $79,5 M | $118 M | -32,4% | $79,5 M | $118 M | -32,4% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $1,13 M | $2,72 M | -58,6% | $1,13 M | $2,72 M | -58,6% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $156 jt | $133 jt | +17,3% | $156 jt | $133 jt | +17,3% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $10,5 M | $18,1 M | -42,2% | $10,5 M | $18,1 M | -42,2% |
| Debt Securities, Held-to-maturity, Fair Value | $180 M | $224 M | -20,0% | $180 M | $224 M | -20,0% |
| Debt Securities, Held-to-maturity, Restricted | $70 jt | $0 | – | $70 jt | $0 | – |
| Debt Securities, Held-to-maturity, Transfer, Amount | – | – | – | $0 | $0 | – |
| Debt Securities, Trading, and Equity Securities, FV-NI | $537 M | $443 M | +21,3% | $537 M | $443 M | +21,3% |
| Debt Securities, Trading, Restricted | $229 M | $193 M | +18,4% | $229 M | $193 M | +18,4% |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $7 jt | $6 jt | +16,7% | $7 jt | $6 jt | +16,7% |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $247 M | $227 M | +8,7% | $247 M | $227 M | +8,7% |
| DebtSecuritiesAvailableForSaleWeightedAverageYield | 4,3% | 4,2% | +0,7% | 4,3% | 4,2% | +0,7% |
| DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest | $146 jt | $137 jt | +6,6% | $146 jt | $137 jt | +6,6% |
| DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss | – | – | – | $3,3 M2023-01-01 | – | – |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $190 M | $242 M | -21,7% | $190 M | $242 M | -21,7% |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal | $15 jt | -$5 jt | +400,0% | $12 jt | $50 jt | -76,0% |
| DebtSecuritiesHeldToMaturityWeightedAverageYield | 2,4% | 2,4% | +1,7% | 2,4% | 2,4% | +1,7% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30
Data per 2026-11-01