How does Citigroup (C) make money?

Citigroup (C) primarily makes money through Services, which accounts for 26.9% of total revenue. For TTM through Q1 2026, Citigroup generated $171.19B in total revenue with a net profit margin of 9.3%.

What is Citigroup (C) gross profit margin?

Citigroup (C) reported a gross profit margin of 45.5% for TTM through Q1 2026, equivalent to $77.85B in gross profit. This means Citigroup retains 45.5% of each revenue unit after direct costs of production.

What is Citigroup (C) operating profit margin?

Citigroup (C) reported an operating profit margin of 12.8% for TTM through Q1 2026, equivalent to $21.90B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.

What is Citigroup (C) net profit margin?

Citigroup (C) reported a net profit margin of 9.3% for TTM through Q1 2026, equivalent to $15.99B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.

How much does Citigroup (C) invest in R&D?

Citigroup (C) invested $2.33B in research and development in TTM through Q1 2026 (1.4% of total revenue). R&D spending reflects investment in future products, services, and technologies.

How much does Citigroup (C) spend on capital expenditures?

Citigroup (C) spent $6.52B on capital expenditures in TTM through Q1 2026 (3.8% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.

What is Citigroup (C) free cash flow?

Citigroup (C) generated −$97.04B in free cash flow for TTM through Q1 2026 (-56.7% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.

What is Citigroup (C) effective tax rate?

Citigroup (C) had an effective tax rate of 25.6% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.

How Citigroup (C) Makes Money: A Visual Guide

Citigroup (C) generated $171.19B in revenue, earning $15.99B in net profit (9.3% margin). Its largest revenue source is Services (26.9% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.

Citigroup (C) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported April 3, 2026).

Frequently asked questions

How does Citigroup (C) make money?: Citigroup (C) primarily makes money through Services, which accounts for 26.9% of total revenue. For TTM through Q1 2026, Citigroup generated $171.19B in total revenue with a net profit margin of 9.3%.
What is Citigroup (C) gross profit margin?: Citigroup (C) reported a gross profit margin of 45.5% for TTM through Q1 2026, equivalent to $77.85B in gross profit. This means Citigroup retains 45.5% of each revenue unit after direct costs of production.
What is Citigroup (C) operating profit margin?: Citigroup (C) reported an operating profit margin of 12.8% for TTM through Q1 2026, equivalent to $21.90B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Citigroup (C) net profit margin?: Citigroup (C) reported a net profit margin of 9.3% for TTM through Q1 2026, equivalent to $15.99B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Citigroup (C) invest in R&D?: Citigroup (C) invested $2.33B in research and development in TTM through Q1 2026 (1.4% of total revenue). R&D spending reflects investment in future products, services, and technologies.
How much does Citigroup (C) spend on capital expenditures?: Citigroup (C) spent $6.52B on capital expenditures in TTM through Q1 2026 (3.8% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Citigroup (C) free cash flow?: Citigroup (C) generated −$97.04B in free cash flow for TTM through Q1 2026 (-56.7% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Citigroup (C) effective tax rate?: Citigroup (C) had an effective tax rate of 25.6% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.

Data & methodology

What is a Sankey diagram?: A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?: We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
When was this data last updated?: Based on company filings through TTM through Q1 2026.