Citigroup Inc. C NYSE

Citigroup Inc. (C) generated $3.67B in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $1.63B, free cash flow was $2.03B.

Free cash flow margin was 5% of revenue. Cash conversion ratio was 1.51x, indicating earnings are backed by cash.

The company returned $1.35B in dividends and $6B in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (72/100, Pass) — $2.03B (5% margin) supports a durable competitive advantage
• INCOME (45/100) — Cash conversion ratio was 1.51x confirms earnings are backed by real cash flow

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