Citigroup +

Citigroup

Company

Ticker

JPM

BAC

WFC

Headquarter

New York City ,NY

Charlotte ,NC

San Francisco ,CA

CEO

Jane Nind Fraser

James Dimon

Brian Thomas Moynihan

Charles W. Scharf

Industry

Banks - Diversified

Stock Price

Market Cap

$216.42 B

$846.35 B

$398.28 B

$303.96 B

Employees

Years

2023
2024
2025

2023
2024
2025

2023
2024
2025

2023
2024
2025

Employees

240.00 K
239.00 K
229.00 K

293.72 K
309.93 K
317.23 K

217.00 K
213.00 K
213.00 K

238.00 K
226.00 K
217.00 K

Y/Y

7.43%

0.42%

4.18%

8.37%

5.52%

2.36%

4.33%

1.84%

3.97%

5.04%

3.98%

Income Statement

Revenue

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Revenue

$100.22 B
$155.38 B
$170.71 B

$236.27 B
$278.91 B
$256.52 B

$115.05 B
$171.91 B
$192.43 B

$83.44 B
$115.34 B
$125.40 B

Y/Y

25.48%

55.04%

9.86%

53.6%

18.04%

8.03%

22.59%

49.42%

11.94%

0.43%

38.23%

8.72%

Revenue by Products / Services

Years

2024

2024

2024

2024

Revenue by Geography

Years

2024

2024

2024

2024

Research and Development

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Research and Development

-
-
$2.84 B

Y/Y

100%

Operating Income

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Operating Income

$18.81 B
$12.91 B
$17.05 B

$61.61 B
$75.08 B
$72.60 B

$30.97 B
$28.34 B
$29.25 B

$15.63 B
$21.64 B
$23.36 B

Y/Y

31.53%

31.36%

32.04%

33.46%

21.86%

3.31%

8.85%

8.48%

3.22%

47.13%

38.43%

7.99%

Tax Rate (%)

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Tax Rate (%)

19.37%
27.33%
24.70%

19.57%
22.12%
21.42%

11.11%
6.45%
7.25%

14.40%
12.05%
14.55%

Y/Y

2.41%

41.12%

9.6%

6.44%

13.02%

3.19%

88.94%

41.98%

12.53%

26.13%

16.34%

20.74%

Net Income

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Net Income

$14.85 B
$9.23 B
$12.68 B

$49.55 B
$58.47 B
$57.05 B

$27.53 B
$26.52 B
$27.13 B

$13.68 B
$19.14 B
$19.72 B

Y/Y

32.38%

37.84%

37.43%

31.52%

18%

2.43%

13.92%

3.68%

2.33%

38.14%

39.96%

3.03%

Revenue Per Employee

Years

2023
2024
2025

2023
2024
2025

2023
2024
2025

2023
2024
2025

Revenue Per Employee

$647.43 K
$714.26 K
-

$804.41 K
$899.91 K
$808.61 K

$792.22 K
$903.45 K
-

$484.62 K
$554.85 K
-

Y/Y

44.32%

10.32%

100%

41.73%

11.87%

10.15%

43.22%

14.04%

100%

43.95%

14.49%

100%

Net Income Per Employee

Years

2023
2024
2025

2023
2024
2025

2023
2024
2025

2023
2024
2025

Net Income Per Employee

$38.45 K
$53.06 K
-

$168.70 K
$188.66 K
$179.83 K

$122.19 K
$127.38 K
-

$80.43 K
$87.27 K
-

Y/Y

42.14%

38%

100%

21.36%

11.83%

4.68%

7.67%

4.25%

100%

45.75%

8.5%

100%

Assets & Liabilities | Cash Flow

Total Assets

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Total Assets

$2.42 T
$2.41 T
$2.35 T

$3.88 T
$4.00 T
$4.42 T

$3.05 T
$3.18 T
$3.26 T

$1.88 T
$1.93 T
$1.93 T

Y/Y

5.47%

0.2%

2.44%

5.72%

3.29%

10.54%

3.73%

4.22%

2.56%

3.44%

2.74%

0.14%

Total Liabilities

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Total Liabilities

$2.21 T
$2.21 T
$2.14 T

$3.55 T
$3.66 T
$4.06 T

$2.78 T
$2.89 T
$2.97 T

$1.70 T
$1.75 T
$1.75 T

Y/Y

6.04%

0.42%

2.81%

5.16%

3.12%

11.06%

4.18%

3.97%

2.68%

3.36%

2.72%

0.22%

Capital Expenditures (Capex)

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Capital Expenditures (Capex)

-$5.63 B
-$6.58 B
-$6.50 B

Y/Y

36.73%

16.89%

1.26%

Profitability

Operating Income Margin (%)

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Operating Income Margin (%)

18.77%
8.31%
9.99%

26.08%
27.73%
28.30%

26.92%
16.49%
15.20%

18.73%
18.76%
18.63%

Y/Y

45.44%

55.72%

20.18%

13.11%

6.33%

2.07%

25.65%

38.75%

7.79%

47.36%

0.15%

0.67%

Net Income Margin (%)

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Net Income Margin (%)

14.81%
5.94%
7.43%

20.97%
21.59%
22.24%

23.93%
15.42%
14.10%

16.39%
16.60%
15.73%

Y/Y

46.11%

59.91%

25.09%

14.37%

2.96%

2.99%

29.78%

35.54%

8.59%

38.41%

1.25%

5.23%

EBITDA

2021	31433000000.00
2022	23069000000.00
2023	17470000000.00
2024	21357000000.00

2022	53217000000.00
2023	69124000000.00
2024	83019000000.00
2025	78835000000.00

2021	35874000000.00
2022	32947000000.00
2023	30399000000.00
2024	31443000000.00

2021	37453000000.00
2022	22461000000.00
2023	27907000000.00
2024	30922000000.00

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

EBITDA

$23.07 B
$17.47 B
$21.36 B

$69.12 B
$83.02 B
$78.84 B

$32.95 B
$30.40 B
$31.44 B

$22.46 B
$27.91 B
$30.92 B

Y/Y

26.61%

24.27%

22.25%

29.89%

20.1%

5.04%

8.16%

7.73%

3.43%

40.03%

24.25%

10.8%

Free Cash Flow (FCF)

2021	42971000000.00
2022	19437000000.00
2023	-79999000000.00
2024	-26169000000.00

2021	78084000000.00
2022	107119000000.00
2023	12974000000.00
2024	-42012000000.00

2021	-7193000000.00
2022	-6327000000.00
2023	44982000000.00
2024	-8805000000.00

2021	-11525000000.00
2022	27048000000.00
2023	40358000000.00
2024	3035000000.00

Years

2022
2023
2024

2022
2023
2024

2022
2023
2024

2022
2023
2024

Free Cash Flow (FCF)

$19.44 B
-$80.00 B
-$26.17 B

$107.12 B
$12.97 B
-$42.01 B

-$6.33 B
$44.98 B
-$8.81 B

$27.05 B
$40.36 B
$3.04 B

Y/Y

54.77%

511.58%

67.29%

37.18%

87.89%

423.82%

12.04%

810.95%

119.57%

334.69%

49.21%

92.48%

Ratios

Return on Equity (ROE)

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Return on Equity (ROE)

7.38%
4.49%
6.08%

15.11%
16.96%
15.74%

10.08%
9.09%
9.18%

7.59%
10.31%
11.01%

Y/Y

32.11%

39.13%

35.36%

17.26%

12.22%

7.19%

14.9%

9.77%

0.97%

35.61%

35.81%

6.83%

Return on Assets (ROA)

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Return on Assets (ROA)

0.61%
0.38%
0.54%

1.28%
1.46%
1.29%

0.90%
0.83%
0.83%

0.73%
0.99%
1.02%

Y/Y

35.88%

37.71%

40.87%

24.41%

14.24%

11.74%

10.58%

7.58%

0.23%

35.93%

36.23%

3.17%

Debt to Equity

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Debt to Equity

259.03%
293.10%
283.11%

199.18%
217.88%
137.95%

182.49%
211.97%
222.77%

125.41%
159.98%
157.37%

Y/Y

10.46%

13.15%

3.41%

7.33%

9.39%

36.68%

0.68%

16.15%

5.1%

20.59%

27.57%

1.63%

Valuation

Enterprise Value

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Enterprise value

$267.17 B
$440.54 B
$447.87 B

$528.78 B
$970.73 B
$478.24 B

$529.81 B
$547.09 B
$702.04 B

$223.97 B
$241.47 B
$319.17 B

Y/Y

20.1%

64.89%

1.66%

41.77%

83.58%

50.73%

2.14%

3.26%

28.32%

43.8%

7.81%

32.18%

Enterprise value to Revenue

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Enterprise value to Revenue

2.67
2.84
2.62

2.24
3.48
1.86

4.60
3.18
3.65

2.68
2.09
2.55

Y/Y

36.32%

6.35%

7.46%

7.7%

55.52%

46.43%

16.68%

30.89%

14.64%

43.17%

22.01%

21.58%

Enterprise value to EBITDA

Years

2022
2023
2024

2023
2024
2025

2022
2023
2024

2022
2023
2024

Enterprise value to EBITDA

11.58
25.22
20.97

7.65
11.69
6.07

16.08
18.00
22.33

9.97
8.65
10.32

Y/Y

8.87%

117.74%

16.84%

9.14%

52.85%

48.12%

11.22%

11.92%

24.06%

139.78%

13.23%

19.29%

Citigroup Competitors & Alternatives

Income Statement

Assets & Liabilities | Cash Flow

Profitability

Ratios

Valuation

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