Citigroup Inc. C NYSE

Citigroup Inc. (C) generated $28.8B in operating cash flow for fiscal year 2025. After capital expenditures of $6.52B, free cash flow was $22.28B.

Free cash flow margin was 13.2% of revenue. Cash conversion ratio was 2.04x, indicating earnings are backed by cash.

The company returned $5.37B in dividends and $18.25B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (72/100, Pass) — $22.28B (13.2% FCF margin) supports a durable competitive advantage
• INCOME (45/100) — Cash conversion ratio was 2.04x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 60/100 with 4/7 criteria passed.