CCITIGROUP INC
National Commercial Banks
- Revenue
- $85.2B
- 5.6% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $3.6T
- Employees
- 800
- $107M revenue each
- Net debt / EBITDA
- —
- $127.7B net debt
- AI in 10-K
- 1.5
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 1 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashYes-473% of net incomeCash flow under 80% of net income
- Dilutive SBCNo2% of revenueOver 10% of revenue
- Payouts exceed cash flowNo-28% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo100% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo$107M · 100th pctBottom quartile of its SIC industry
- Quiet on AINo1.5 per 10K words · 45th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$3.6T market capMarket cap $500M–$5B
Catalysts 1 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingYes−$23M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B | 5.6% |
| Net income | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B | 13% |
| Operating cash flow | $47.1B | $25.1B | −$73.4B | −$19.7B | −$67.6B | 244% |
| Capex | $4.1B | $5.6B | $6.6B | $6.5B | $6.5B | 0.3% |
| Buybacks | $7.6B | $3.3B | $2.0B | $2.5B | $13.3B | 436% |
| Dividends | $5.2B | $5.0B | $5.2B | $5.2B | $5.4B | 3.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $23M · 11
- Net
- −$23M
Pay vs performance
No pay-versus-performance disclosure yet.