Citigroup Inc. C NYSE

Citigroup Inc. (C) reported declining year-over-year revenue growth of -1.4% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed solid earnings growth of +12.5% YoY, reaching $2.4B in the latest quarter. The net profit margin is 6%, which is moderate. The company has maintained profitability in all 4 quarters. The gross margin is 44.6% (moderate), up 3pp vs the prior year. With a $227B market cap, MOAT composite score of 87/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (73/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 40-year annual history, the company was profitable in 37 of 40 years — an excellent long-term track record
• INCOME (45/100, Partial) — the company is profitable but margin is below 15%
• MOAT (87/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

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