C Citigroup margins

Relative Growth: Rel. Growth: 73

Relative Strength: Rel. Strength: 73

Relative Valuation: Rel. Valuation: 71

Relative Profitability: Rel. Profitability: 70

Gross margin

89.1%

Operating margin

27%

EBITDA margin

31.5%

Net margin

19.5%

For the latest period, Citigroup has a gross margin of 89.1%, an operating margin of 27%, an EBITDA margin of 31.5%, and a net margin of 19.5%. Each available margin advanced from the same period last year. Operating margin recorded the strongest gain, gaining by 4.3 percentage points.

C margin history

Gross, operating, EBITDA and net margin trends

Citigroup's margins averaged 87.8% gross, 20.61% operating, 25.79% EBITDA, and 15.1% net during the last 3 years. Currently all four current margins are above their three-year averages.

C margin expansion

Year-over-year margin changes in percentage points

The biggest expansion was in operating margin, which rose by 4.3 percentage points. The other available margins also improved.

Gross margin expansion

2.2pp

Operating margin expansion

4.3pp

EBITDA margin expansion

3.8pp

Net margin expansion

2.4pp

C Gross margin

Across the last 3 years, Citigroup's gross margin stood at 87.8%. The current gross margin stands at 89.1%, 1.3 percentage points above its three-year average. Gross margin was highest at 90.5% in Sep 2023 and lowest at 85.9% in Sep 2024.

C Operating margin

Citigroup recorded an average operating margin of 20.61% across the last 3 years. Citigroup currently reports an operating margin of 27%, 6.4 percentage points above its three-year average. Operating margin was highest at 27% in Jun 2026 and lowest at 14.2% in Sep 2024.

C EBITDA margin

Citigroup's EBITDA margin averaged 25.79% across the past 3 years. The latest EBITDA margin for Citigroup is 31.5%, 5.7 percentage points above its three-year average. Over the last 3 years, Citigroup's EBITDA margin peaked at 31.5% in Jun 2026 and reached a low of 19.7% in Sep 2024.

C Net margin

Over the last 3 years, Citigroup's net margin averaged 15.1%. At present, Citigroup's current net margin is 19.5%, which is 4.4 percentage points above its three-year average. During this period, net margin reached a high of 19.5% in Jun 2026 and a low of 10.2% in Sep 2024.

C margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 89.1%, C is above the Financial Services sector average but below the industry and its peers average. Compared to its Financial Services sector average of 84%, Citigroup's gross margin is 6% higher.

C margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Citigroup's gross margin?

The current gross margin for C is 89.1% as of Jun 30, 2026.

What is Citigroup's operating margin?

As of Jun 30, 2026, C has an operating margin of 27%.

What is Citigroup's EBITDA margin?

The current EBITDA margin for C is 31.5% as of Jun 30, 2026.

What is Citigroup's net margin?

For the period ending Jun 30, 2026, C recorded a net margin of 19.5%.

What are the average margins of C?

The three-year average margins for C were 87.8% gross, 20.6% operating, 25.8% EBITDA, and 15.1% net.

What are the highest historical margins of C?

Across the 5-year period, C posted its highest margins at 105.3% gross in Dec 2021, 39.9% operating in Sep 2021, 45.4% EBITDA in Sep 2021, and 31.8% net in Sep 2021.

What are the lowest historical margins of C?

Looking back across 5 years, C reached its lowest margins at 85.9% gross in Sep 2024, 14.2% operating in Sep 2024, 19.7% EBITDA in Sep 2024, and 10.2% net in Sep 2024.