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Reported Q: Q4 2024 Rev YoY: -1.2% EPS YoY: +217.2% Move: +4.72%

Citigroup Inc

0R01.L

$122.00 4.72%

Exchange LSE Sector Financial Services Industry Banks Diversified

Q4 2024

Published: Feb 21, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for 0R01.L

Reported

Report Date

Feb 21, 2025

Quarter Q4 2024

Revenue

40.90B

YoY: -1.2%

EPS

1.34

YoY: +217.2%

Market Move

+4.72%

Previous quarter: Q3 2024

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Earnings Highlights

Revenue of $40.90B down 1.2% year-over-year
EPS of $1.34 increased by 217.2% from previous year
Gross margin of 41.6%
Net income of 2.86B
""We are committed to enhancing our consumer banking services while expanding our institutional client base, ensuring sustainable growth even in turbulent times."" - Jane Fraser, CEO

0R01.L

Period Q4 2024

Currency USD

Report Type Quarterly Earnings

Generated Apr 8, 2026

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Executive Summary

In Q4 2024, Citigroup Inc. exhibited resilient performance, reporting a net income of $2.856 billion, an increase of 255.30% year-over-year, despite a linked quarter decline of 11.80%. The bank's revenue decreased by 5.67% quarter-over-quarter to $40.9 billion, attributed partially to tighter spreads in its Institutional Clients Group segment. Gross profit, however, demonstrated strength with an 11.02% rise YoY, reflecting effective cost controls and revenue diversification strategies. Management emphasized a commitment to manage risks proactively while navigating current economic uncertainties, positioning the bank for sustainable profitability.

Key Performance Indicators

Revenue

Decreasing

40.90B

QoQ: -5.67% | YoY: -1.20%

Gross Profit

Increasing

17.01B

41.58% margin

QoQ: -3.75% | YoY: 11.02%

Operating Income

Increasing

3.80B

QoQ: -13.39% | YoY: 280.79%

Net Income

Increasing

2.86B

QoQ: -11.80% | YoY: 255.30%

EPS

Increasing

1.36

QoQ: -11.11% | YoY: 217.24%

Revenue Trend

Margin Analysis

Financial Highlights

### Financial Metrics Highlights
- Revenue: $40.9 billion, YoY: -1.20%, QoQ: -5.67%
- Gross Profit: $17.005 billion, YoY: +11.02%, QoQ: -3.75%
- Operating Income: $3.802 billion, YoY: +280.79%, QoQ: -13.39%
- Net Income: $2.856 billion, YoY: +255.30%, QoQ: -11.80%
- EPS: $1.36, YoY: +217.24%, QoQ: -11.11%

These figures indicate a return to profitability and solid operational resilience, despite challenging market conditions. The uptick in operating income demonstrates Citigroup's ability to adjust its operational strategies effectively in response to market fluctuations.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	40.90B	-1.20%	-5.67%
Gross Profit	17.01B	11.02%	-3.75%
Operating Income	3.80B	280.79%	-13.39%
Net Income	2.86B	255.30%	-11.80%
EPS	1.36	217.24%	-11.11%

Key Financial Ratios

Gross Profit Margin

Weak

1.00%

Gross profit margin is below industry norms, profitability concerns

Operating Profit Margin

Good

22.30%

Operating margin is healthy and competitive within industry standards

Net Profit Margin

Good

16.80%

Net profit margin is healthy and competitive within industry standards

Return on Assets

Weak

0.12%

Return on assets suggests inefficient capital allocation

Return on Equity

Weak

1.37%

Return on equity suggests inefficient capital allocation

Current Ratio

Concern

0.34

Current ratio below safe levels, potential liquidity risk

Debt to Equity

High Risk

1.61

Debt-to-equity indicates high leverage and elevated financial risk

P/E Ratio

Value

11.63x

P/E ratio suggests potential undervaluation or stable earnings

Price to Book

Undervalued

0.64x

Trading below book value, potential value opportunity or distressed

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q2 2025	42,352.00	2.09	-0.7%	View
Q1 2025	41,255.00	1.96	-5.6%	View
Q4 2024	40,900.00	1.34	-1.2%	View
Q3 2024	43,359.00	1.51	+6.4%	View
Q2 2024	42,638.00	1.52	+11.7%	View

Citigroup Inc (0R01.L) Q4 2024 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Historical Earnings Comparison

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