Citigroup Inc. (C)财务
NYSE · Financial Services · Banks - Diversified · 员工217,000人 · CEO Jane Nind Fraser
- 股价
- $122.64 -2.48%
- 市值
- $2060亿
- 企业价值
- $6680亿
- 最近财报
- Q3 '26 2026-10-13提交
- 下次财报
- 2027-01-14
营收(TTM)$1760亿+4.6% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)15.1%+3.4 百分点 对比去年同期营业利润 $267亿
净利润(TTM)$193亿+31.6% 对比去年同期税后,含营业外收益
自由现金流(TTM)-$240亿+68.4% 对比去年同期资本支出 $46亿
稀释EPS(TTM)$10.25+44.0% 对比去年同期最近4个季度之和
净现金$6450亿+1,453.6% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $2060亿 EV $6680亿
- 营收
- $1760亿 过去12个月
- 营收增速
- – 下一财年
- 净利润率
- 11.0% 净利润 / 营收,TTM
- P/E
- 11.7×
- P/S
- 1.2× 股价 / 营收,TTM
- EV / EBITDA
- 12.9× TTM
- 自由现金流
- -$240亿 过去12个月
- 净利润
- $193亿 过去12个月
- 营收预期
- – 下一财年
- 盈利
- 2027-01-14
- 股息
- $2.47 每股,过去12个月
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 营收增长平稳:同比4.1%Q3 '26营收$456亿,此前四个季度的平均值为3.8%。
- 营业利润率15.1%(TTM),较去年同期+3.4 百分点营收增长4.6%,营业利润增长34.5%。
- 资本支出占营收的2.6%(去年为3.9%)最近4个季度投入$46亿(同比-30.1%)。自由现金流-$240亿,相当于净利润的-124.1%。
- 稀释股数一年内减少8.4%Q3 '26稀释股数17.1亿,一年前为18.6亿。
- 净现金 $6450亿现金 + 短期投资 $1.46万亿,含租赁债务 $8170亿;一年前净债务 $477亿。
上一季度:Q3 '26
截至2026-09-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q3 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $456亿 | $438亿 | +4.1% |
| 毛利率 | 46.6% | 44.8% | +1.8 百分点 |
| 营业利润 | $73.1亿 | $53.5亿 | +36.6% |
| 营业利润率 | 16.0% | 12.2% | +3.8 百分点 |
| 净利润 | $52.5亿 | $37.5亿 | +39.8% |
| 稀释EPS | $2.85 | $1.86 | +53.2% |
| 经营现金流 | $0 | $11亿 | -100.0% |
| 资本支出 | $0 | $16.2亿 | -100.0% |
| 自由现金流 | $0 | -$5.17亿 | +100.0% |
| R&D | $0 | $0 | – |
| 股权激励费用 | $0 | $0 | – |
营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q4 '25 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| U.S. Personal Banking | $52.9亿 | -47.9% | 26.3% | $210亿 | -17.1% | |
| Services | $59.4亿 | -39.7% | 29.5% | $213亿 | -12.6% | |
| Markets | $45.4亿 | -52.9% | 22.6% | $220亿 | -11.8% | |
| Personal Banking and Wealth Management | $21.3亿 | -44.1% | 10.6% | $85.6亿 | -8.2% | |
| Banking Segment | $22.1亿 | -23.5% | 11.0% | $82.2亿 | +4.9% |
按地区划分的营收
占总额比例| 分部 | Q4 '25 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| North America | $84亿 | +1.2% | 45.9% | $340亿 | +2.4% | |
| Asia | $41亿 | +17.1% | 22.4% | $150亿 | +8.7% | |
| EMEA | $32亿 | +14.3% | 17.5% | $111亿 | +4.7% | |
| Latin America | $26亿 | +13.0% | 14.2% | $97亿 | +6.6% |
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 经营现金流
- -$194亿
- 资本支出
- -$46亿
- 股票回购
- -$163亿
- 股息
- -$40.7亿
- 收购
- $0
- 债务净发行
- $399亿
- 股权激励费用
- $0
- 自由现金流
- -$240亿
- 股东回报 / FCF
- -84.9%
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | 11.7× | 10.6× | 5.9× – 16.1× |
| EV / EBITDA | 12.9× | 18.5× | 10.6× – 25.2× |
| EV / 营收 | 3.8× | 3.1× | 2.6× – 4.2× |
| 股价 / FCF | -8.6× | 3.7× 5年中的2年 | 2.9× – 4.5× |
| 股价 / 净资产 | 1.0× | 0.6× | 0.4× – 1.0× |
| FCF收益率 | -11.7% | -15.6% | -80.6% – 35.0% |
| 投入资本回报率 | 1.8% | 1.7% | 0.9% – 2.9% |
| 净资产收益率 | 9.2% | 7.1% | 4.5% – 10.9% |
分析师
一致目标价 $151.50 (+23.5%)
区间 $135.00 – $165.00 · 评级 Buy
强烈买入0
买入17
持有9
卖出1
强烈卖出0
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
Citigroup Inc.在近期10-Q / 10-K文件中标记的全部394项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$419亿 | -$479亿 | +12.4% | -$419亿 | -$479亿 | +12.4% |
| Additional Collateral, Aggregate Fair Value | $2亿 | $2亿 | 0.0% | $2亿 | $2亿 | 0.0% |
| Additional Paid in Capital | $1080亿 | $1090亿 | -0.6% | $1080亿 | $1090亿 | -0.6% |
| Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities | $241亿 | $219亿 | +9.8% | -$819亿 | -$324亿 | -153.3% |
| Amortization of Intangible Assets | – | – | – | $2.45亿 | $3.71亿 | -34.0% |
| Assets | $2.66万亿 | $2.35万亿 | +12.9% | $2.66万亿 | $2.35万亿 | +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 | $612亿 | $520亿 | +17.6% | $612亿 | $520亿 | +17.6% |
| Broker-Dealer, Payable to Other Broker-Dealer and Clearing Organization | $137亿 | $146亿 | -6.4% | $137亿 | $146亿 | -6.4% |
| Carrying Value of Federal Funds Purchased, Securities Sold under Agreements to Repurchase, and Deposits Received for Securities Loaned | $3480亿 | $2550亿 | +36.6% | $3480亿 | $2550亿 | +36.6% |
| Carrying Value of Federal Funds Sold, Securities Purchased under Agreements to Resell, and Deposits Paid for Securities Borrowed | $3560亿 | $2740亿 | +30.0% | $3560亿 | $2740亿 | +30.0% |
| Carrying Value of Securities Purchased under Agreements to Resell and Deposits Paid for Securities Borrowed | $3560亿 | $2740亿 | +30.0% | $3560亿 | $2740亿 | +30.0% |
| Carrying Value of Securities Sold under Repurchase Agreements and Deposits Received for Securities Loaned | $3480亿 | $2550亿 | +36.6% | $3480亿 | $2550亿 | +36.6% |
| Cash and Due from Banks | $237亿 | $228亿 | +4.1% | $237亿 | $228亿 | +4.1% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | $0 | $0 | – | -$1亿 | -$5亿 | +80.0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $3500亿 | $2770亿 | +26.4% | $3500亿 | $2770亿 | +26.4% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $15.2亿 | -$266亿 | +105.7% | $730亿 | $156亿 | +368.3% |
| Collateral Already Posted, Aggregate Fair Value | $130亿 | $130亿 | 0.0% | $130亿 | $130亿 | 0.0% |
| Commercial Paper | $199亿 | $289亿 | -31.0% | $199亿 | $289亿 | -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 | 60亿 | 60亿 | 0.0% | 60亿 | 60亿 | 0.0% |
| Common Stock, Shares, Issued | 31亿 | 31亿 | 0.0% | 31亿 | 31亿 | 0.0% |
| Common Stock, Value, Issued | $3100万 | $3100万 | 0.0% | $3100万 | $3100万 | 0.0% |
| Communications and Information Technology | $24.3亿 | $22.8亿 | +6.6% | $94.2亿 | $90.4亿 | +4.3% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $23.3亿 | $2.01亿 | +1,059.7% | $178亿 | $96.3亿 | +85.3% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $24亿 | $1.67亿 | +1,334.1% | $181亿 | $97.2亿 | +86.4% |
| Credit Derivative, Maximum Exposure, Undiscounted | $4750亿 | $4390亿 | +8.2% | $4750亿 | $4390亿 | +8.2% |
| Credit Risk Derivative Assets, at Fair Value | $97.2亿 | $87.2亿 | +11.6% | $97.2亿 | $87.2亿 | +11.6% |
| Credit Risk Derivative Liabilities, at Fair Value | $112亿 | $72.5亿 | +54.9% | $112亿 | $72.5亿 | +54.9% |
| Current Federal Tax Expense (Benefit) | – | – | – | -$4300万 | -$3300万 | -30.3% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $51.4亿 | $59.5亿 | -13.5% |
| Current Income Tax Expense (Benefit) | – | – | – | $49.2亿 | $61.1亿 | -19.4% |
| Current State and Local Tax Expense (Benefit) | – | – | – | -$1.76亿 | $1.95亿 | -190.3% |
| Debt and Equity Securities, Gain (Loss) | $1.07亿 | $1.18亿 | -9.3% | $4.71亿 | $3.28亿 | +43.6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $249亿 | $338亿 | -26.5% | $249亿 | $338亿 | -26.5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $7.11亿 | $16.3亿 | -56.5% | $7.11亿 | $16.3亿 | -56.5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $546亿 | $837亿 | -34.8% | $546亿 | $837亿 | -34.8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $4.16亿 | $10.9亿 | -61.7% | $4.16亿 | $10.9亿 | -61.7% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$1.7亿 | -$2.87亿 | +40.8% | -$1.84亿 | -$3.23亿 | +43.0% |
| Debt Securities, Available-for-sale, Restricted | $49.3亿 | $53.9亿 | -8.5% | $49.3亿 | $53.9亿 | -8.5% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $795亿 | $1180亿 | -32.4% | $795亿 | $1180亿 | -32.4% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $11.3亿 | $27.2亿 | -58.6% | $11.3亿 | $27.2亿 | -58.6% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $1.56亿 | $1.33亿 | +17.3% | $1.56亿 | $1.33亿 | +17.3% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $105亿 | $181亿 | -42.2% | $105亿 | $181亿 | -42.2% |
| Debt Securities, Held-to-maturity, Fair Value | $1800亿 | $2240亿 | -20.0% | $1800亿 | $2240亿 | -20.0% |
| Debt Securities, Held-to-maturity, Restricted | $7000万 | $0 | – | $7000万 | $0 | – |
| Debt Securities, Held-to-maturity, Transfer, Amount | – | – | – | $0 | $0 | – |
| Debt Securities, Trading, and Equity Securities, FV-NI | $5370亿 | $4430亿 | +21.3% | $5370亿 | $4430亿 | +21.3% |
| Debt Securities, Trading, Restricted | $2290亿 | $1930亿 | +18.4% | $2290亿 | $1930亿 | +18.4% |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $700万 | $600万 | +16.7% | $700万 | $600万 | +16.7% |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $2470亿 | $2270亿 | +8.7% | $2470亿 | $2270亿 | +8.7% |
| DebtSecuritiesAvailableForSaleWeightedAverageYield | 4.3% | 4.2% | +0.7% | 4.3% | 4.2% | +0.7% |
| DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest | $1.46亿 | $1.37亿 | +6.6% | $1.46亿 | $1.37亿 | +6.6% |
| DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss | – | – | – | $33亿2023-01-01 | – | – |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $1900亿 | $2420亿 | -21.7% | $1900亿 | $2420亿 | -21.7% |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal | $1500万 | -$500万 | +400.0% | $1200万 | $5000万 | -76.0% |
| DebtSecuritiesHeldToMaturityWeightedAverageYield | 2.4% | 2.4% | +1.7% | 2.4% | 2.4% | +1.7% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标、预期:Financial Modeling Prep。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30
数据截至 2026-11-01