OakChart

Citigroup Inc

CFinancial·Banks - Diversified·USA·Mega·NYSE·Nov 13 • 7:12 AM ET

124.71+0.65 (0.52%)
2026-11-13 13:15 CET
Market cap
$206.42B
Revenue, TTM
- USD m
Net income, TTM
17,859.00 USD m
Free cash flow, TTM
75,014.00 USD m
EPS diluted, TTM
10.26
Price / earnings
12.16
Compare

Price

C against its 20, 50 and 200-day averages
Terms2050200Beat
Patternshover a marker to name it
RS 63Sales 22,908Price22,89022,913110.00120.00130.00140.00150.0016.1M32.1MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26Cclose 124.7120-day 122.6350-day 127.87200-day 126.94124.7152w high 147.9652-week range, not 6 months

15.7% under the 52-week high of 147.96 on 18 Jun 2026. 52-week low 95.83 on 21 Nov 2025. Last 15 sessions, 9.0% high to low

Volume 0.01× normal · the line is the 50-bar volume average

Setup. RS line 63
CANSLIM 4 of 6 — fails: 52-Week High/Low: 0-10% below High; Performance: Year +50%
VCP 3 of 6 — fails: 200-Day Simple Moving Average: Price above SMA200; 52-Week High/Low: 0-10% below High; Average True Range: Under 2
Minervini 1 of 4 — fails: 200-Day Simple Moving Average: Price above SMA200; 52-Week High/Low: 0-10% below High; Performance: Year +50%
Zanger 2 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5; 200-Day Simple Moving Average: Price above SMA200
Leaders 1 of 5 — fails: 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%; 52-Week High/Low: 0-10% below High
Breakout 0 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2; 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200
Growth 2 of 4 — fails: EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 2 of 5 — fails: Return on Equity: Over +15%; Net Profit Margin: High (>20%); Debt/Equity: Low (<0.1)
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 3 of 4 — fails: Payout Ratio: Low (<20%)
Small Cap 1 of 4 — fails: 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50% — not on the tape: Float: Under 100M
Accumulation 2 of 4 — fails: Institutional Transactions: Over +10%; 200-Day Simple Moving Average: Price above SMA200
Relative Strength 1 of 3 — fails: Performance: Year +100%; 200-Day Simple Moving Average: Price above SMA200

Profile

C
52-week range, 55% of the way up
95.83147.96

Citigroup, Inc. is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Services, Markets, Banking, Wealth, U.S. Personal Banking (USPB), and All Other. The Services segment includes Treasury and Trade Solutions (TTS) which provides an integrated suite of tailored cash management, trade, and working capital solutions to multinational corporations, financial institutions and public sector organizations, and Securities Services, which offers cross-border support for clients, providing on-the-ground local market expertise, post-trade technologies, customized data solutions, and a wide range of securities services solutions that can be tailored to meet client needs. The Markets segment provides corporate, institutional, and public sector clients around the world with a full range of sales and trading services across equities, foreign exchange, rates, spread products, and commodities. The Banking segment offers Investment Banking and Corporate Lending services. The Wealth segment includes Private Bank, Wealth at Work, and Citigold and provides financial services to a range of client segments through banking, lending, mortgages, investment, custody, and trust product offerings. The USPB segment includes Branded Cards and Retail Services, which have proprietary card portfolios and co-branded card portfolios within Branded Cards, and co-brand and private label relationships within Retail Services. The All Other segment consists of activities not assigned to the reportable operating segments, including certain unallocated costs of global functions, other corporate expenses, and net treasury results. The company was founded in 1812 and is headquartered in New York, NY.

IndexS&P 500, RUI
Employees226000
IPOOct 29, 1986
Beta1.15
ATR, 14d3.26
Rel volume0.01
Inst own82.99%

Snapshot

6 groups

Valuation

IndexS&P 500, RUI
Market Cap$206.42B
Enterprise Value-
Income17.86B
Sales193.83B
Book / share115.61
Cash / share-
Dividend Est.2.57 (2.06%)
Dividend TTM2.54 (2.04%)
Dividend Ex-DateNov 02, 2026
Dividend Gr. 3/5Y4.38% 2.61%
Payout33.18%
Employees226000
IPOOct 29, 1986

Ratios

Price / earnings12.16
Forward price / earnings9.71
Price / earnings / growth0.34
Price / sales1.06
Price / book1.08
Price / cash-
Price / free cash flow2.75
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio1.49
Debt / equity3.92
Long-term debt / equity1.67
Options and shortYes / Yes

Earnings

Earnings / share10.26
Earnings next year12.84
Earnings next quarter2.34
Earnings this year63.08%
Earnings next year12.68%
Earnings growth, 5 years28.39%
Past earnings growth-0.02% 8.24%
Past sales growth18.52% 13.72%
Earnings vs last year44.35%
Sales vs last year14.21%
Earnings vs last quarter53.43%
Sales vs last quarter40.72%
EarningsOct 13 BMO
Surprise7.08% 0.46%

Ownership

Insiders own-
Insider trades-
Institutions own82.99%
Institution trades-1.43%
Return on assets0.69%
Return on equity9.06%
Return on capital3.43%
Gross Margin-
Operating margin22.30%
Profit Margin9.21%
20-day average1.69%
50-day average-2.47%
200-day average-1.76%

Technical

Shares out1.66B
Shares floating-
Short / float-
Short ratio2.34
Short interest22.13M
52-week high147.96 -15.7%
52-week low95.83 +30.1%
Volatility2.37% 2.58%
Average range3.26
Strength index51.07
Market sensitivity1.15
Relative volume0.01
Avg Volume9.46M
Volume4,551

Performance

Perf Week4.75%
Perf Month1.22%
Perf Quarter-9.96%
Perf Half Y1.05%
Perf YTD6.87%
Perf Year23.88%
Perf 3Y192.06%
Perf 5Y80.32%
Perf 10Y136.06%
Recommendation1.56
Target Price151.50
Prev Close124.06
Price124.71
Change %0.52%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 08, 2026ResumedTD CowenBuy$150+20.3%
Sep 28, 2026ResumedHSBC SecuritiesBuy$164+31.5%
Jun 30, 2026DowngradeOppenheimerOutperform → Perform
Mar 26, 2026InitiatedJefferiesBuy$135+8.3%
Dec 12, 2025UpgradeJP MorganNeutral → Overweight$124-0.6%
May 15, 2025InitiatedTD CowenHold$83-33.4%
Jan 06, 2025UpgradeBarclaysEqual Weight → Overweight$70 → $95-23.8%
Dec 03, 2024UpgradeKeefe BruyetteMkt Perform → Outperform$70 → $82-34.2%
Apr 04, 2024ReiteratedEvercore ISIIn-line$58 → $60-51.9%
Mar 25, 2024ReiteratedWells FargoOverweight$70 → $80-35.9%

Peers

Mkt cap
TickerCompanyMkt cap
JPMJPMorgan Chase & Co914.96B
BACBank Of America Corp350.53B
WFCWells Fargo & Co258.70B
MUFGMitsubishi UFJ Financial Group Inc ADR245.94B
GSGoldman Sachs Group Inc265.16B
MSMorgan Stanley297.67B
USBU.S. Bancorp94.61B
PNCPNC Financial Services Group Inc91.67B
TFCTruist Financial Corp58.82B
SCHWCharles Schwab Corp158.24B

Insider trading

latest 14 of 19
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
DUGAN JOHN CUNNINGHAMDirectorMay 08 '26Sale125.302,117265,26012,194May 12 04:08 PM
DUGAN JOHN CUNNINGHAMDirectorMay 08 '26Proposed Sale125.302,117265,260May 08 05:06 PM
Skyler EdwardHd of Ent Svc & Public AffairsApr 15 '26Sale131.4125,0003,285,350182,022Apr 17 04:01 PM
Giles NicoleCHIEF ACCOUNTING OFFICERApr 15 '26Sale131.8012,7321,678,07897,734Apr 17 04:01 PM
Giles NicoleOfficerApr 15 '26Proposed Sale131.8012,7321,678,078Apr 15 03:14 PM
Skyler EdwardOfficerApr 15 '26Proposed Sale131.4125,0003,285,350Apr 15 12:20 PM
Mason MarkChief Financial OfficerFeb 20 '26Sale114.713,627416,045233,789Feb 24 04:09 PM
MARK A.L. MASONOfficerFeb 20 '26Proposed Sale114.713,627416,045Feb 20 04:15 PM
Torres Cantu ErnestoOfficerFeb 13 '26Proposed Sale111.1167,3187,479,679Feb 13 04:26 PM
Torres Cantu ErnestoHead of InternationalFeb 13 '26Sale111.0943,1734,796,09345,835Feb 13 04:08 PM
Torres Cantu ErnestoHead of InternationalFeb 13 '26Sale111.1424,1452,683,586155,103Feb 13 04:08 PM
LUCHETTI GONZALOHead of U.S. Personal BankingFeb 12 '26Sale115.0319,9742,297,52382,588Feb 13 04:03 PM
Habner PamelaHead of U.S. Consumer CardsFeb 12 '26Sale117.2629,7543,488,94563,557Feb 13 04:02 PM
Giles NicoleCHIEF ACCOUNTING OFFICERFeb 11 '26Sale119.0416,7921,998,938110,466Feb 13 04:01 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 696.31B
VOOVanguard S&P 500 ETFAUM: 1070.75B
IVViShares Core S&P 500 ETFAUM: 882.14B
SPYSPDR S&P 500 ETF TrustAUM: 805.69B
VTVVanguard Morningstar Value ETFAUM: 198.14B
XLFState Street Financial Select Sector SPDR ETFAUM: 54.23B
VYMVanguard High Dividend Yield Indx ETFAUM: 83.97B
SPYMState Street SPDR Portfolio S&P 500 ETFAUM: 186.08B
PVALPutnam Focused Large Cap Value ETFAUM: 15.98B
DYNFiShares U.S. Equity Factor Rotation Active ETFAUM: 42.31B

News

latest 14 of 100

Quarterly earnings

2026Q3 EPS 2.850 beat 2.662, from 1.860 a year earlier. Sales 23,845 beat 23,735, from 22,090 a year earlier
EPS
3.15002024Q4 EPS 1.340 against 1.22324Q42025Q1 EPS 1.960 against 1.84625Q12025Q2 EPS 1.960 against 1.65525Q22025Q3 EPS 1.860 against 1.72925Q32025Q4 EPS 1.190 against 1.64725Q42026Q1 EPS 3.060 against 2.65326Q12026Q2 EPS 3.150 against 2.73926Q22026Q3 EPS 2.850 against 2.66226Q3
Sales, USD millions
24,76602024Q4 sales 19,581 against 19,51124Q42025Q1 sales 21,596 against 21,26225Q12025Q2 sales 21,668 against 21,00425Q22025Q3 sales 22,090 against 21,08625Q32025Q4 sales 19,871 against 20,94525Q42026Q1 sales 24,633 against 23,59826Q12026Q2 sales 24,766 against 23,74126Q22026Q3 sales 23,845 against 23,73526Q3

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q3ended 2026-09-302026-10-13 08:302.8502.6622.85023,84523,735EPS +7.1% · sales +0.5%vs 2025Q3, year-ago quarter · EPS +53.2% · sales +7.9%18 EPS · 14 salesOpen -0.44% vs SPY -0.10%. Close -5.60% vs SPY -0.01%
2026Q2ended 2026-06-302026-07-14 08:303.1502.7393.14924,76623,741EPS +15.0% · sales +4.3%vs 2025Q2, year-ago quarter · EPS +60.7% · sales +14.3%17 EPS · 14 salesOpen -2.11% vs SPY +0.23%. Close -5.29% vs SPY +0.36%
2026Q1ended 2026-03-312026-04-14 08:303.0602.6533.06424,63323,598EPS +15.4% · sales +4.4%vs 2025Q1, year-ago quarter · EPS +56.1% · sales +14.1%18 EPS · 15 salesOpen +1.42% vs SPY +0.23%. Close +2.61% vs SPY +1.22%
2025Q4ended 2025-12-312026-01-14 08:301.1901.6471.19419,87120,945EPS -27.7% · sales -5.1%vs 2024Q4, year-ago quarter · EPS -11.2% · sales +1.5%9Open +1.38% vs SPY -0.40%. Close -3.34% vs SPY -0.49%
2025Q3ended 2025-09-302025-10-14 08:301.8601.7291.85722,09021,086EPS +7.6% · sales +4.8%vs 2024Q3, year-ago quarter · EPS +23.2% · sales +8.7%18 EPS · 14 salesOpen -0.76% vs SPY -0.89%. Close +3.89% vs SPY -0.12%
2025Q2ended 2025-06-302025-07-15 08:301.9601.6551.95621,66821,004EPS +18.4% · sales +3.2%vs 2024Q2, year-ago quarter · EPS +28.9% · sales +7.6%18 EPS · 15 salesOpen +1.31% vs SPY +0.43%. Close +3.68% vs SPY -0.43%
2025Q1ended 2025-03-312025-04-15 08:301.9601.8461.96321,59621,262EPS +6.2% · sales +1.6%vs 2024Q1, year-ago quarter · EPS +24.1% · sales +2.3%17 EPS · 14 salesOpen +1.53% vs SPY +0.10%. Close +1.76% vs SPY -0.28%
2024Q4ended 2024-12-312025-01-15 08:301.3401.2231.33819,58119,511EPS +9.6% · sales +0.4%vs 2023Q4, year-ago quarter · EPS -215.5% · sales +12.3%17 EPS · 14 salesOpen +3.67% vs SPY +1.40%. Close +6.49% vs SPY +1.82%
2024Q3ended 2024-09-302024-10-15 08:301.5101.3111.50820,31519,862EPS +15.2% · sales +2.3%vs 2023Q3, year-ago quarter · EPS -7.4% · sales +0.9%16 EPS · 13 salesOpen +1.12% vs SPY +0.05%. Close -5.11% vs SPY -0.78%
2024Q2ended 2024-06-302024-07-12 08:301.5201.3991.52220,13920,070EPS +8.6% · sales +0.3%vs 2023Q2, year-ago quarter · EPS +14.3% · sales +3.6%18 EPS · 15 salesOpen +1.37% vs SPY +0.21%. Close -1.81% vs SPY +0.63%
2024Q1ended 2024-03-312024-04-12 08:301.5801.1781.57621,10420,446EPS +34.2% · sales +3.2%vs 2023Q1, year-ago quarter · EPS -27.9% · sales -1.6%19 EPS · 14 salesOpen +2.60% vs SPY -0.70%. Close -1.70% vs SPY -1.38%
2023Q4ended 2023-12-312024-01-12 08:30-1.1600.109-1.14317,44018,713EPS -1161.3% · sales -6.8%vs 2022Q4, year-ago quarter · EPS -200.0% · sales -3.1%12 EPS · 15 salesOpen +0.42% vs SPY +0.31%. Close +1.04% vs SPY +0.07%
2023Q3ended 2023-09-302023-10-13 08:301.6301.2271.62720,13919,272EPS +32.9% · sales +4.5%vs 2022Q3, year-ago quarter · EPS 0.0% · sales +8.8%19 EPS · 15 sales-
2023Q2ended 2023-06-302023-07-14 08:301.3301.3011.32519,43619,342EPS +2.2% · sales +0.5%vs 2022Q2, year-ago quarter · EPS -39.3% · sales -1.0%21 EPS · 17 sales-
2023Q1ended 2023-03-312023-04-14 08:302.1901.6482.19221,44720,015EPS +32.9% · sales +7.2%vs 2022Q1, year-ago quarter · EPS +8.4% · sales +11.1%21 EPS · 17 sales-
2022Q4ended 2022-12-312023-01-13 08:301.1601.1441.15718,00617,961EPS +1.4% · sales +0.3%vs 2021Q4, year-ago quarter · EPS -20.5% · sales +5.8%19 EPS · 18 sales-

Annual earnings

2025FY EPS 6.990 missed 7.577, from 5.940 a year earlier. Sales 85,225 missed 86,414, from 81,139 a year earlier
EPS
10.14002018FY EPS 6.680 against 6.59620182019FY EPS 8.040 against 7.68520192020FY EPS 4.870 against 4.27420202021FY EPS 10.140 against 10.12220212022FY EPS 7.000 against 6.98720222023FY EPS 4.040 against 5.26820232024FY EPS 5.940 against 5.84020242025FY EPS 6.990 against 7.5772025
Sales, USD millions
86,41402018FY sales 72,854 against 73,33620182019FY sales 74,286 against 73,74520192020FY sales 74,298 against 74,50820202021FY sales 71,884 against 70,92720212022FY sales 75,338 against 75,15120222023FY sales 78,462 against 79,33820232024FY sales 81,139 against 81,00720242025FY sales 85,225 against 86,4142025

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2030FYestimate-18.300--113,4586.82
2029FYestimate-16.000--108,5217.79
2028FYestimate-14.792--104,5678.43
2027FYestimate-12.844--100,1319.71
2026FYestimate-11.399--96,12710.94
2025FY6.9907.5776.99085,22586,41416.69
2024FY5.9405.8405.94481,13981,00711.85
2023FY4.0405.2684.04378,46279,33812.73
2022FY7.0006.9876.99575,33875,1516.46
2021FY10.14010.12210.14471,88470,9275.96
2020FY4.8704.2744.70774,29874,50812.66
2019FY8.0407.6858.02174,28673,7459.94
2018FY6.6806.5966.68272,85473,3367.79
2017FY5.3304.933-2.98271,44971,32013.96
2016FY4.7204.6714.72369,87570,20612.59
2015FY5.3505.4165.40376,35475,76123.31
2014FY2.2002.2782.20076,88277,80556.69
2013FY4.3564.5384.42076,36677,04728.63
2012FY3.8603.4302.44070,17372,80332.31
2011FY3.7023.8773.69078,35379,88433.68
2010FY3.5003.8573.50086,60188,47635.63

Estimate revisions

Latest snapshot of each period and type. 2026FY E 11.40 per share.
PeriodTypeScaleDateMeanvs prior date
2026FYEper share2026-11-0511.400.0%
2026FYRper share2026-11-0511.400.0%
2026FYSUSD millions2026-11-0296,1270.0%
2026Q4SUSD millions2026-11-0222,9080.0%
2026Q4Eper share2026-10-302.34+0.2%
2026Q4Rper share2026-10-302.34+0.2%
2026Q3SUSD millions2026-10-1323,7160.0%
2026Q3Eper share2026-10-062.650.0%
2026Q3Rper share2026-10-062.650.0%
2026Q2Eper share2026-07-122.740.0%
2026Q2Rper share2026-07-122.740.0%
2026Q2SUSD millions2026-07-0823,741+0.3%
2026Q1Eper share2026-04-132.630.0%
2026Q1Rper share2026-04-132.630.0%
2026Q1SUSD millions2026-04-0923,530+0.1%
2025FYEper share2026-01-147.580.0%
2025FYRper share2026-01-147.580.0%
2025FYSUSD millions2026-01-1486,4140.0%
2025Q4SUSD millions2026-01-1420,9450.0%
2025Q4Eper share2026-01-081.65-1.1%
2025Q4Rper share2026-01-081.65-1.1%
2025Q3SUSD millions2025-10-1421,0860.0%
2025Q3Eper share2025-10-091.73-1.1%
2025Q3Rper share2025-10-091.73-1.1%
2025Q2Eper share2025-07-111.610.0%
2025Q2Rper share2025-07-111.610.0%
2025Q2SUSD millions2025-07-1120,961+0.0%
2025Q1Eper share2025-04-071.85-0.6%
2025Q1Rper share2025-04-071.85-0.6%
2025Q1SUSD millions2025-04-0721,262-0.1%
2024Q4Eper share2025-01-131.220.0%
2024Q4Rper share2025-01-131.220.0%
2024FYEper share2025-01-105.840.0%
2024FYRper share2025-01-105.840.0%
2024FYSUSD millions2025-01-1081,007+0.0%
2024Q4SUSD millions2025-01-1019,514+0.0%
2024Q3SUSD millions2024-10-1519,8620.0%
2024Q3Eper share2024-10-071.31+0.8%
2024Q3Rper share2024-10-071.31+0.8%
2024Q2Eper share2024-07-101.390.0%
2024Q2Rper share2024-07-101.390.0%
2024Q2SUSD millions2024-07-1020,0700.0%
2024Q1Eper share2024-04-081.18-1.8%
2024Q1Rper share2024-04-081.18-1.8%
2024Q1SUSD millions2024-04-0820,446+0.0%
2023FYEper share2024-01-115.27-0.1%
2023FYRper share2024-01-115.27-0.1%
2023FYSUSD millions2024-01-1079,3380.0%

Estimate history

Annual
Metric201720182019202020212022202320242025TTMMRQ
EPS per share-2.9826.6828.0214.70710.1446.9954.0435.9446.99210.2557-
Sales USD millions88,28697,496103,52888,94380,171101,593157,096170,981169,155193,831-
Shares million shares2,5702,3682,1142,0821,9841,9371,9031,8771,748-1,655
Quarterly
MetricQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share1.5081.3381.9631.9561.8571.1943.0643.1492.848
Sales USD millions43,50041,10141,46143,27143,88142,16444,54545,37161,751
Shares million shares1,8911,8771,8681,8411,7891,7481,7061,6771,655

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Interest Income148,589.00142,864.00-0.6%143,713.00+7.8%133,258.00+79.1%74,408.00+47.4%50,475.00-13.1%58,089.00-24.1%76,510.00+8.0%70,828.00
Total Interest Expense83,076.0083,072.00-7.3%89,618.00+14.4%78,358.00+204.4%25,740.00+222.5%7,981.00-45.1%14,541.00-50.1%29,163.00+20.2%24,266.00
Net Interest Income65,513.0059,792.00+10.5%54,095.00-1.5%54,900.00+12.8%48,668.00+14.5%42,494.00-2.4%43,548.00-8.0%47,347.00+1.7%46,562.00
Loan Loss Provision9,824.009,509.00-2.7%9,776.00+25.9%7,762.00+62.5%4,778.00-3,106.00-117.9%17,375.00+111.4%8,218.00+11.7%7,354.00
Net Interest Income After Loan Loss Provision55,689.0050,283.00+13.5%44,319.00-6.0%47,138.00+7.4%43,890.00-3.7%45,600.00+74.2%26,173.00-33.1%39,129.00-0.2%39,208.00
Non-Interest Income45,242.0026,291.00-3.6%27,268.00+14.4%23,838.00-12.3%27,185.00-8.5%29,696.00-3.8%30,854.00+14.2%27,018.00+1.3%26,668.00
Non-Interest Expense57,706.0056,408.00+4.7%53,852.00-5.5%56,958.00+10.0%51,774.00+8.7%47,618.00+10.2%43,227.00+2.4%42,214.00-0.2%42,299.00
Operating Income43,225.0020,166.00+13.7%17,735.00+26.5%14,018.00-27.4%19,301.00-30.3%27,678.00+100.6%13,800.00-42.3%23,933.00+1.5%23,577.00
Unusual Expense470.00338.00-50.9%689.00-37.8%1,108.00+124.3%494.00+136.4%209.00+24.4%168.00+425.0%32.00-75.8%132.00
Net Income Before Taxes26,664.0019,828.00+16.3%17,046.00+32.0%12,910.00-31.4%18,807.00-31.5%27,469.00+101.5%13,632.00-43.0%23,901.00+1.9%23,445.00
Income Taxes6,758.005,373.00+27.6%4,211.00+19.4%3,528.00-3.1%3,642.00-33.2%5,451.00+115.9%2,525.00-43.0%4,430.00-17.3%5,357.00
Consolidated Net Income19,713.0014,284.00+12.8%12,665.00+37.6%9,202.00-38.9%15,052.00-31.2%21,864.00+98.2%11,034.00-43.0%19,350.00+8.2%17,888.00
Net Income From Continuing Operations19,141.0014,138.00+13.0%12,514.00+38.3%9,049.00-39.5%14,963.00-31.3%21,791.00+98.2%10,994.00-43.0%19,284.00+8.0%17,853.00
Net Income17,859.0013,021.00+13.6%11,458.00+46.0%7,850.00-42.7%13,700.00-34.0%20,758.00+110.1%9,879.00-45.6%18,171.00+9.0%16,671.00
EPS (Recurring) per share10.707.12+15.0%6.19+39.4%4.44-38.1%7.17-29.8%10.22+114.7%4.76-40.7%8.03+19.5%6.72
EPS (Basic, Before Extraordinaries) per share10.437.11+17.9%6.03+48.2%4.07-42.2%7.04-31.0%10.21+115.4%4.74-41.3%8.08+20.8%6.69
EPS (Diluted) per share10.266.99+17.7%5.94+47.0%4.04-42.3%7.00-31.0%10.14+115.3%4.71-41.3%8.02+20.1%6.68
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-193.00-171.00-170.00-180.00-113.00-154.00-73.00-121.00-200.00
Price To Earnings Ratio ratio statement ratio, not the snapshot12.1012.1020.338.166.205.9912.279.947.79
Price To Sales Ratio ratio1.141.290.800.640.871.541.461.751.33
Operating Margin %22.3011.9210.378.9219.0034.5215.5223.1224.18
Net Margin %9.217.706.705.0013.4925.8911.1117.5517.10
Shares Outstanding million shares1,655.201,747.55-6.9%1,877.07-1.4%1,903.11-1.7%1,936.99-2.4%1,984.36-4.7%2,082.09-1.5%2,114.12-10.7%2,368.47
Market Capitalization205,344.11205,344.11+54.2%133,125.79+35.2%98,449.99+12.4%87,603.73-26.9%119,830.07-6.7%128,373.65-26.4%174,415.05+37.2%127,137.81

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Interest Income38,765.00+5.7%37,662.00+5.0%35,513.00+5.5%36,649.00+4.6%36,690.00+0.6%35,859.00-0.4%33,666.00-7.1%35,047.00-3.7%
Total Interest Expense21,783.00+0.2%20,537.00-0.7%19,772.00+0.6%20,984.00-1.5%21,750.00-5.8%20,684.00-8.0%19,654.00-13.5%21,314.00-5.5%
Net Interest Income16,982.00+13.7%17,125.00+12.9%15,741.00+12.3%15,665.00+14.1%14,940.00+11.8%15,175.00+12.5%14,012.00+3.7%13,733.00-0.7%
Loan Loss Provision2,416.00+7.2%2,603.00+5.4%2,605.00+1.9%2,200.00-14.2%2,254.00-7.3%2,470.00+4.9%2,556.00+5.1%2,563.00+3.7%
Net Interest Income After Loan Loss Provision14,566.00+14.8%14,522.00+14.3%13,136.00+14.7%13,465.00+20.5%12,686.00+16.1%12,705.00+14.1%11,456.00+3.4%11,170.00-1.6%
Non-Interest Income22,986.00+219.6%7,709.00+4.0%9,032.00+15.9%5,515.00-8.9%7,191.00+2.1%7,412.00+10.5%7,795.00+6.3%6,054.00+30.3%
Non-Interest Expense14,122.00-2.7%14,134.00-4.9%14,511.00+5.5%14,939.00+14.1%14,507.00+7.2%14,865.00+10.3%13,748.00-0.8%13,094.00-24.0%
Operating Income23,430.00+336.3%8,097.00+54.2%7,657.00+39.1%4,041.00-2.2%5,370.00+20.9%5,252.00+20.3%5,503.00+20.9%4,130.00
Unusual Expense32.00+60.0%68.00+106.1%140.00+154.5%230.00-29.9%20.00-60.0%33.00-42.1%55.00-78.4%328.00-62.6%
Net Income Before Taxes7,307.00+36.6%8,029.00+53.8%7,517.00+38.0%3,811.00+0.2%5,350.00+21.9%5,219.00+21.1%5,448.00+19.9%3,802.00
Income Taxes1,887.00+21.0%2,005.00+69.1%1,578.00+17.8%1,288.00+41.2%1,559.00+39.7%1,186.00+13.3%1,340.00+18.0%912.00
Consolidated Net Income5,368.00+43.1%5,977.00+50.0%5,883.00+44.8%2,485.00-12.9%3,751.00+16.6%3,984.00+23.3%4,064.00+20.8%2,853.00
Net Income From Continuing Operations5,193.00+39.9%5,784.00+45.7%5,730.00+42.5%2,434.00-13.7%3,713.00+16.7%3,970.00+24.6%4,021.00+20.9%2,819.00
Net Income4,840.00+40.8%5,446.00+47.9%5,424.00+44.6%2,149.00-16.2%3,438.00+18.3%3,683.00+25.1%3,751.00+23.1%2,563.00
EPS (Recurring) per share2.86+53.8%3.18+61.4%3.12+57.6%1.28-12.3%1.86+21.6%1.97+27.9%1.98+18.6%1.46
EPS (Basic, Before Extraordinaries) per share2.90+53.4%3.20+61.6%3.12+56.0%1.21-11.0%1.89+23.5%1.98+28.6%2.00+25.8%1.36
EPS (Diluted) per share2.85+53.2%3.15+60.7%3.06+56.1%1.19-11.2%1.86+23.2%1.96+28.9%1.96+24.1%1.34
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-52.00-47.00-56.00-38.00-40.00-49.00-44.00-37.00
Price To Earnings Ratio ratio statement ratio, not the snapshot12.1017.3416.2716.4115.0113.4511.9420.33
Price To Sales Ratio ratio1.141.381.161.241.110.950.810.80
Operating Margin %37.9417.8517.199.5812.2412.1413.2710.05
Net Margin %7.8412.0012.185.107.838.519.056.24
Shares Outstanding million shares1,655.20-7.5%1,677.44-8.9%1,705.58-8.7%1,747.55-6.9%1,789.27-5.4%1,840.90-3.5%1,867.73-2.1%1,877.07-1.4%
Market Capitalization205,344.11+9.9%240,018.80+51.0%198,390.38+48.5%208,789.92+56.8%186,851.35+56.5%158,981.18+31.3%133,614.54+10.5%133,125.79+35.2%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/20182017FY12/31/2017
Cash & Due from Banks57,298.00+24.0%46,199.00-1.2%46,780.00+5.0%44,533.00-14.1%51,851.00+27.9%40,552.00-19.6%50,460.00-62.6%134,965.00+162.4%51,439.00
Investments1,642,344.00+14.8%1,430,999.00-4.3%1,494,593.00-2.0%1,525,389.00+9.3%1,395,937.00+0.5%1,389,588.00+33.1%1,044,063.00+10.6%943,603.00-3.0%972,310.00
Net Loans732,983.00+8.4%675,914.00+0.7%671,217.00+4.8%640,247.00-1.7%651,312.00+0.1%650,927.00-5.2%686,700.00+2.2%671,881.00+2.6%654,679.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets22.00+22.2%18.00-15.00-44.4%27.00-37.2%43.00-29.5%61.00-38.4%99.00-31.3%144.00
Net Property, Plant & Equipment36,348.00+10.1%33,028.00+4.7%31,548.00+20.2%26,253.00+3006.9%845.00-69.8%2,800.00-9.7%3,100.00--
Interest Receivables2,000.000.0%2,000.00-33.3%3,000.000.000.000.000.000.000.00
Deferred Tax Assets34,826.00+0.2%34,767.00-11.0%39,057.00+17.1%33,352.00+11.9%29,812.00-3.8%30,988.00+7.0%28,973.00+4.7%27,685.00+3.3%26,797.00
Other Intangible Assets156,676.00+16.1%134,942.00-0.1%135,088.00-11.5%152,567.00-8.5%166,652.00+10.1%151,340.00+5.3%143,680.00-0.2%143,932.00+1.8%141,412.00
Total Assets2,662,497.00+12.9%2,357,867.00-2.6%2,421,283.000.0%2,422,356.00+5.5%2,296,436.00+1.3%2,266,238.00+15.8%1,957,037.00+1.8%1,922,165.00+4.1%1,846,781.00
Total Deposits1,403,573.00+9.3%1,284,458.00-1.9%1,308,681.00-4.2%1,365,954.00+3.7%1,317,230.00+2.9%1,280,671.00+19.6%1,070,590.00+5.7%1,013,170.00+5.6%959,822.00
Total Debt718,966.00+21.1%593,573.00-0.1%594,298.00+13.4%524,222.00+10.0%476,763.00-5.4%503,813.00+8.7%463,488.00+4.8%442,113.00+1.1%437,438.00
Long Term Debt271,417.00+9.6%247,729.00+6.7%232,218.00-3.9%241,519.00+7.9%223,749.00-3.2%231,146.00+8.0%214,042.00-7.7%231,999.00-2.0%236,709.00
Provision for Risks Charges12,833.00+4.3%12,301.00-17.6%14,928.00+319.2%3,561.00-82.0%19,745.00+643.7%2,655.00+82.3%1,456.00-51.2%2,982.00+3.6%2,878.00
Deferred Tax Liabilities5,295.00+7.6%4,922.00-16.2%5,877.00+3.5%5,680.00+13.1%5,023.00-18.3%6,148.00+4.6%5,879.00+22.9%4,782.00+10.8%4,316.00
Other Liabilities308,008.00+21.6%253,247.00-13.0%291,248.00-9.3%321,101.00+16.8%275,003.00+0.8%272,751.00+23.0%221,678.00-15.4%262,044.00+8.9%240,655.00
Total Liabilities2,448,675.00+14.0%2,148,501.00-3.0%2,215,032.00-0.2%2,220,518.00+6.1%2,093,764.00+1.3%2,066,038.00+17.2%1,763,091.00+2.2%1,725,091.00+4.9%1,645,109.00
Preferred Stock - Carrying Value20,050.00+12.3%17,850.00+1.4%17,600.00-7.3%18,995.000.0%18,995.00-2.5%19,480.00+8.3%17,980.00-2.6%18,460.00-4.1%19,253.00
Common Equity192,241.00+0.8%190,748.00+1.5%187,853.00+3.1%182,194.00-0.4%182,977.00+1.7%179,962.00+2.7%175,262.00-1.4%177,760.00-2.1%181,487.00
Total Shareholders Equity212,291.00+1.8%208,598.00+1.5%205,453.00+2.1%201,189.00-0.4%201,972.00+1.3%199,442.00+3.2%193,242.00-1.5%196,220.00-2.3%200,740.00
Accumulated Minority Interest1,531.00+99.3%768.00-3.8%798.00+23.0%649.00-7.3%700.00-7.7%758.00+7.7%704.00-17.6%854.00-8.4%932.00
Total Equity213,822.00+2.1%209,366.00+1.5%206,251.00+2.2%201,838.00-0.4%202,672.00+1.2%200,200.00+3.2%193,946.00-1.6%197,074.00-2.3%201,672.00
Total Liabilities & Stockholders Equity2,662,497.00+12.9%2,357,867.00-2.6%2,421,283.000.0%2,422,356.00+5.5%2,296,436.00+1.3%2,266,238.00+15.8%1,957,037.00+1.8%1,922,165.00+4.1%1,846,781.00
Book Value Per Share per share110.01+8.3%101.62+2.9%98.71+4.9%94.06+2.0%92.21+6.7%86.43+4.3%82.90+10.5%75.05+6.3%70.62
Tangible Book Value Per Share per share97.06+8.6%89.35+3.7%86.19+5.2%81.95+3.2%79.41+7.8%73.67+4.7%70.39+10.3%63.79+6.0%60.17
Tier 1 Capital179,675.00+2.9%174,527.00+1.2%172,504.00+2.0%169,145.00-0.2%169,568.00+1.5%167,053.00+7.2%155,805.00-1.5%158,122.00-2.6%162,377.00
Tier 2 Capital26,495.00+16.0%22,844.00+17.7%19,415.00-1.4%19,694.00-19.4%24,438.00-15.5%28,906.00+13.2%25,532.00+2.0%25,022.00-1.9%25,500.00
Full-Time Employees people226,000-1.3%229,000-4.2%239,000-0.4%240,000+7.4%223,400+6.4%210,000+5.0%200,000-2.0%204,000-2.4%209,000
Price to Book Ratio ratio1.070.690.520.490.650.710.960.690.88
Return on Assets %0.560.520.370.630.960.520.990.93-0.37
Return on Equity %6.726.044.457.4210.865.609.909.10-3.16
Return on Invested Capital %2.922.742.073.335.122.554.734.17-1.56
Current Ratio ratio1.481.401.381.481.351.431.260.851.17

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Funds from Operations35,663.0031,349.00+23.9%25,311.00+31.6%19,232.00-17.9%23,438.00-1.0%23,672.00-16.8%28,448.00-3.5%29,476.00+3.2%28,574.00
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital45,455.00-2,546.00-13,030.00-16,739.00-517.00-1,673.00-103.4%48,726.00-21,280.00-279.6%11,847.00
Cash from Operating Activities81,118.0028,803.00+134.5%12,281.00+392.6%2,493.00-89.1%22,921.00+4.2%21,999.00-71.5%77,174.00+841.6%8,196.00-79.7%40,421.00
Capital Expenditures-6,104.00-6,520.00-6,500.00-6,583.00-5,632.00-4,119.00-3,446.00-5,336.00-3,774.00
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses84.0062.00-72.1%222.00+296.4%56.00-11.1%63.00-66.8%190.00+280.0%50.00-80.7%259.00+22.2%212.00
Purchase or Sale of Investments-190,782.00-127,976.00-271.4%74,681.00-39,488.00-69,227.00-79,847.00-206,773.00-19,029.00-49,067.00
Purchase of Investments-527,718.00-458,217.00-298,598.00-314,350.00-302,036.00-391,734.00-477,287.00-294,615.00-194,162.00
Sale Or Maturity of Investments336,936.00330,241.00-11.5%373,279.00+35.8%274,862.00+18.1%232,809.00-25.4%311,887.00+15.3%270,514.00-1.8%275,586.00+89.9%145,095.00
Other Uses-----791.00-0.000.000.00
Other Sources639.002,167.00-13.7%2,512.00+200.8%835.000.00-100.0%185.00+59.5%116.00-40.8%196.00-60.4%495.00
Cash from Investing Activities-297,078.00-204,717.00-477.0%54,300.00-84,368.00-77,307.00-85,655.00-193,107.00-44,407.00-76,587.00
Cash Dividends Paid-5,539.00-5,372.00-5,199.00-5,212.00-5,003.00-5,198.00-5,352.00-5,447.00-5,020.00
Change in Capital Stock-18,819.00-11,064.00-2,242.00-3,383.00-3,250.00-8,086.00-1,430.00-18,055.00-15,226.00
Repurchase of Common Pref Stock-23,100.00-18,250.00-7,524.00-6,122.00-3,250.00-11,386.00-4,425.00-19,551.00-15,226.00
Sale of Common Pref Stock4,281.007,186.00+36.0%5,282.00+92.8%2,739.000.00-100.0%3,300.00+10.2%2,995.00+100.2%1,496.000.00
Proceedsfrom Stock Options4,281.007,186.00+36.0%5,282.00+92.8%2,739.000.00-100.0%3,300.00+10.2%2,995.00+100.2%1,496.000.00
Issuance or Reduction of Debt, Net110,922.00115,424.00-6,186.00-109.2%66,884.00-14.2%77,945.00-14,073.00-145.8%30,707.00+227.4%9,379.00-21.2%11,908.00
Change in Long Term Debt43,716.0018,708.00+205.8%6,118.00+611.4%860.00-98.2%47,663.00-4,292.00-132.9%13,056.00+61.1%8,105.00+221.2%2,523.00
Issuance of Long Term Debt156,032.00122,029.00+23.2%99,075.00+50.5%65,819.00-37.2%104,748.00+48.2%70,658.00-7.6%76,458.00+29.3%59,134.00-2.5%60,655.00
Reduction of Long Term Debt-112,316.00-103,321.00-92,957.00-64,959.00-57,085.00-74,950.00-63,402.00-51,029.00-58,132.00
Net Financing Active Other Cash Flow3,409.001,098.00-454.00-329.00-344.00-337.00-411.00-364.00-482.00
Other Financing Activities Uses-1,236.00-780.00-454.00-329.00-344.00-337.00-411.00-364.00-482.00
Cash from Financing Activities224,108.00238,031.00-38,304.00-5675.5%687.00-99.5%137,763.00+697.6%17,272.00-92.6%233,595.00+444.1%42,933.00-3.6%44,528.00
Exchange Rate Effect-1,367.0010,930.00-12,677.00-13444.2%95.00-3,385.00-1,198.00-1,966.00-908.00-773.00
Net Change in Cash6,781.0073,047.00+368.3%15,600.00-81,093.00-201.4%79,992.00-47,582.00-141.1%115,696.00+1890.0%5,814.00-23.4%7,589.00
Free Cash Flow75,014.0022,283.00+285.5%5,781.00-4,090.00-123.7%17,289.00-3.3%17,880.00-75.7%73,728.00+2477.9%2,860.00-92.2%36,647.00
Price to Free Cash Flow ratio3.1812.92234.65-7.239.761.89-4.11
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Cash & Due from Banks43,004.00-22.5%45,891.00-14.8%46,484.00-7.7%57,298.00+24.0%55,494.00+22.4%53,832.00+14.2%50,359.00+13.6%46,199.00-1.2%
Investments1,831,007.00+11.7%1,822,454.00+11.4%1,729,969.00+6.2%1,642,344.00+14.8%1,638,599.00+8.3%1,635,991.00+9.7%1,628,652.00+5.9%1,430,999.00-4.3%
Net Loans799,614.00+11.9%773,697.00+9.6%741,980.00+8.6%732,983.00+8.4%714,699.00+6.6%706,222.00+5.5%683,330.00+4.1%675,914.00+0.7%
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment34,075.00-5.0%33,897.00-4.2%33,574.00-0.1%36,348.00+10.1%35,867.00+9.0%35,367.00+9.9%33,619.00+5.0%33,028.00+4.7%
Interest Receivables6,000.00+200.0%5,000.00+150.0%5,000.00+150.0%2,000.000.0%2,000.000.0%2,000.000.0%2,000.000.0%2,000.00-33.3%
Deferred Tax Assets29,200.00-1.4%29,000.00-1.7%29,000.00-2.0%34,826.00+0.2%29,600.00-1.3%29,500.00-2.3%29,600.00-1.0%34,767.00-11.0%
Other Intangible Assets198,303.00+19.3%184,681.00+15.5%191,646.00+33.1%156,676.00+16.1%166,187.00+21.0%159,834.00+20.3%143,933.00+11.1%134,942.00-0.1%
Total Assets2,941,271.00+11.3%2,894,654.00+10.4%2,777,687.00+8.0%2,662,497.00+12.9%2,642,475.00+8.7%2,622,772.00+9.0%2,571,514.00+5.7%2,357,867.00-2.6%
Total Deposits1,505,322.00+8.8%1,492,607.00+9.9%1,446,240.00+9.9%1,403,573.00+9.3%1,383,929.00+5.6%1,357,733.00+6.2%1,316,410.00+0.7%1,284,458.00-1.9%
Total Debt820,659.00+13.4%817,043.00+12.8%752,444.00+0.1%718,966.00+21.1%723,535.00+16.4%724,452.00+15.5%751,751.00+21.3%593,573.00-0.1%
Long Term Debt348,967.00+9.4%336,939.00+5.0%310,803.00+4.1%271,417.00+9.6%319,049.00+5.6%320,979.00+13.3%298,653.00+3.5%247,729.00+6.7%
Provision for Risks Charges2,044.00-92.7%1,899.00-88.1%2,013.00-20.1%12,833.00+4.3%27,978.00+1423.0%15,921.00+1.3%2,520.00-83.8%12,301.00-17.6%
Deferred Tax Liabilities---5,295.00+7.6%---4,922.00-16.2%
Other Liabilities401,463.00+36.9%368,655.00+18.7%364,418.00+26.7%308,008.00+21.6%293,156.00+2.1%310,536.00+12.7%287,575.00+1.7%253,247.00-13.0%
Total Liabilities2,729,488.00+12.4%2,680,204.00+11.3%2,565,115.00+8.8%2,448,675.00+14.0%2,428,598.00+9.4%2,408,642.00+9.7%2,358,256.00+6.0%2,148,501.00-3.0%
Preferred Stock - Carrying Value18,050.00-5.2%19,550.00+19.6%19,550.00+6.5%20,050.00+12.3%19,050.00+16.5%16,350.00-9.7%18,350.00+4.3%17,850.00+1.4%
Common Equity191,359.00-1.3%192,465.00-2.2%191,409.00-1.4%192,241.00+0.8%193,973.00+0.6%196,872.00+3.5%194,058.00+2.7%190,748.00+1.5%
Total Shareholders Equity209,409.00-1.7%212,015.00-0.6%210,959.00-0.7%212,291.00+1.8%213,023.00+1.9%213,222.00+2.4%212,408.00+2.8%208,598.00+1.5%
Accumulated Minority Interest2,374.00+178.0%2,435.00+168.2%1,613.00+89.8%1,531.00+99.3%854.00+4.3%908.00+8.9%850.00+4.6%768.00-3.8%
Total Equity211,783.00-1.0%214,450.00+0.1%212,572.00-0.3%213,822.00+2.1%213,877.00+1.9%214,130.00+2.4%213,258.00+2.8%209,366.00+1.5%
Total Liabilities & Stockholders Equity2,941,271.00+11.3%2,894,654.00+10.4%2,777,687.00+8.0%2,662,497.00+12.9%2,642,475.00+8.7%2,622,772.00+9.0%2,571,514.00+5.7%2,357,867.00-2.6%
Book Value Per Share per share115.61+6.6%114.74+7.3%112.23+8.0%110.01+8.3%108.41+6.4%106.94+7.3%103.90+4.9%101.62+2.9%
Tangible Book Value Per Share per share101.59+6.1%100.89+7.6%99.01+8.2%96.63+8.6%95.72+6.7%93.75+7.1%91.53+5.6%88.94+3.6%
Tier 1 Capital179,445.00+0.4%180,941.00+2.4%176,885.00+0.8%179,675.00+2.9%178,793.00+1.7%176,619.00+1.6%175,514.00+2.0%174,527.00+1.2%
Tier 2 Capital25,588.00-8.0%27,339.00-0.8%27,721.00+7.3%26,495.00+16.0%27,824.00+26.5%27,562.00+26.9%25,841.00+15.9%22,844.00+17.7%
Full-Time Employees people217,000219,000-226,000-1.3%---229,000-4.2%
Price to Book Ratio ratio1.071.251.031.080.950.820.700.69
Return on Assets %0.690.640.590.560.570.560.530.52
Return on Equity %9.068.317.496.726.886.646.306.04
Return on Invested Capital %0.931.051.100.500.700.740.790.62
Current Ratio ratio1.491.511.511.481.551.511.451.40

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Funds from Operations9,202.00+15.4%9,736.00+17.3%9,421.00+21.3%7,304.00+14.7%7,975.00+25.7%8,303.00+34.3%7,767.00+21.1%6,369.00+323.8%
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital16,022.008,583.00-5.7%24,489.00+138.8%-3,639.00-611.1%-18,257.009,097.0010,253.00+249.8%712.00
Cash from Operating Activities25,224.0018,319.00+5.3%33,910.00+88.2%3,665.00-48.2%-10,282.0017,400.0018,020.00+92.9%7,081.00+635.3%
Capital Expenditures-1,507.00-1,551.00-1,415.00-1,631.00-1,617.00-1,755.00-1,517.00-1,688.00
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses3.00-62.5%40.00+700.0%3.00-72.7%38.00+81.0%8.00-70.4%5.00-58.3%11.00-93.2%21.00-47.5%
Purchase or Sale of Investments-23,897.00-420.5%-109,678.00-483.9%-55,514.00-1,693.00-105.2%7,455.00-83.0%28,566.00+95.8%-162,304.0032,284.00
Purchase of Investments-101,041.00-191,830.00-157,714.00-77,133.00-60,304.00-49,888.00-270,892.00-59,019.00
Sale Or Maturity of Investments77,144.00+13.9%82,152.00+4.7%102,200.00-5.9%75,440.00-17.4%67,759.00-39.5%78,454.00-15.6%108,588.00+41.1%91,303.00+72.5%
Other Uses-----541.00-541.00-
Other Sources179.00-89.5%-6.00-101.6%383.0083.00-87.5%1,706.00+67.1%378.00+48.8%0.00-100.0%664.00-20.5%
Cash from Investing Activities-53,843.00-4004.5%-148,621.00-68,174.00-26,440.00-203.8%1,379.00-96.3%-3,945.00-175,711.0025,466.00
Cash Dividends Paid-1,474.00-1,361.00-1,353.00-1,351.00-1,370.00-1,328.00-1,323.00-1,314.00
Change in Capital Stock-4,500.00-4,000.00-6,815.00-3,504.00-763.6%-2,305.00-3,999.00-1146.9%-1,256.00528.00
Repurchase of Common Pref Stock-4,500.00-4,000.00-8,600.00-6,000.00-5,000.00-3,999.00-3,251.00-968.00
Sale of Common Pref Stock0.00-100.0%0.001,785.00-10.5%2,496.00+66.8%2,695.00+80.3%0.00-100.0%1,995.00+264.1%1,496.00
Proceedsfrom Stock Options0.00-100.0%0.001,785.00-10.5%2,496.00+66.8%2,695.00+80.3%0.00-100.0%1,995.00+264.1%1,496.00
Issuance or Reduction of Debt, Net9,654.0067,494.0037,897.00-75.8%-4,123.00-1,831.00-34,979.00-413.3%156,357.00+876.7%-20,973.00-232.6%
Change in Long Term Debt18,066.0029,031.00+98.2%-3,768.00-157.8%387.00-2,844.00-124.1%14,646.006,519.00+2270.5%-4,516.00
Issuance of Long Term Debt45,810.00+59.1%59,565.00+57.2%24,924.00-15.8%25,733.00+23.1%28,798.00-4.3%37,886.00+36.9%29,612.00+45.1%20,912.00+56.6%
Reduction of Long Term Debt-27,744.00-30,534.00-28,692.00-25,346.00-31,642.00-23,240.00-23,093.00-25,428.00
Net Financing Active Other Cash Flow270.002,413.00-1,147.001,873.00-5.00-16.00-754.00-6.00
Other Financing Activities Uses-5.00-79.00-1,147.00-5.00-5.00-16.00-754.00-6.00
Cash from Financing Activities16,665.00-19.4%110,913.00+1464.6%71,249.00-61.5%25,281.0020,685.00+34.4%7,089.00184,976.00+1397.7%-47,306.00-203.4%
Exchange Rate Effect382.0080.00-99.1%-842.00-118.7%-987.00-1,195.00-117.4%8,598.004,514.00-11,801.00-371.7%
Net Change in Cash-11,572.00-209.3%-19,309.00-166.3%36,143.00+13.7%1,519.0010,587.00-81.4%29,142.0031,799.00+169.5%-26,562.00-482.5%
Free Cash Flow23,717.0016,768.00+7.2%32,495.00+96.9%2,034.00-62.3%-11,899.0015,645.0016,503.00+113.3%5,393.00
Price to Free Cash Flow ratio3.187.156.1312.549.315.8214.63233.54

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Region
Name20242025vs 20242025 share
Consolidation, Policy-6,700.00-7,600.00+13.4%-8.9%
Corporate And Other Geographical668.00-1,082.00-262.0%-1.3%
International40,306.0042,295.00+4.9%49.6%
North America39,748.0044,012.00+10.7%51.6%
United Kingdom6,700.007,600.00+13.4%8.9%
Total80,722.0085,225.00+5.6%100.0%
Segment
Name20242025vs 20242025 share
Banking6,201.008,215.00+32.5%9.6%
Consolidation, Policy7,529.004,254.00-43.5%5.0%
Markets19,836.0021,970.00+10.8%25.8%
Services19,618.0021,256.00+8.3%24.9%
U.S. Personal Banking20,055.0020,971.00+4.6%24.6%
Wealth7,483.008,559.00+14.4%10.0%
Total80,722.0085,225.00+5.6%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.32%22.1M1671.9M9.27M
2026-10-151.32%22.2M1671.9M9.82M
2026-09-301.26%21.0M1671.9M10.37M
2026-09-151.48%24.7M1671.9M11.25M
2026-08-311.57%26.2M1671.5M11.83M
2026-08-141.79%29.9M1671.6M11.97M
2026-07-31-24.7M-12.60M
2026-07-151.68%28.8M1709.2M12.35M
2026-06-301.59%27.2M1709.2M12.20M
2026-06-151.90%32.5M1709.2M12.36M
2026-05-291.79%30.5M1709.2M12.92M
2026-05-151.75%30.0M1709.4M13.70M
2026-04-301.70%29.1M1709.3M14.16M
2026-04-151.70%29.0M1709.0M14.83M
2026-03-311.73%30.2M1743.3M15.40M
2026-03-131.68%29.2M1743.3M15.04M
2026-02-271.65%28.7M1743.3M14.36M
2026-02-131.60%28.0M1743.0M13.90M
2026-01-301.44%25.8M1783.7M13.40M
2026-01-151.41%25.2M1783.7M13.12M

Option chain

expiry 2026-11-13
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call75.0047.8551.050.00-0.000.000.998-0.0660.000
call80.0042.5545.4544.37-8.000.000.998-0.0660.000
call85.0038.5540.4039.37-6.000.000.998-0.0650.000
call90.0032.3535.6534.24-2.000.000.998-0.0650.000
call95.0028.5530.4029.26-1.000.000.997-0.0640.000
call10022.4026.0524.49449.4%3.000.000.997-0.0630.001
call10518.6520.4519.49332.5%3.000.000.993-0.1050.001
call10716.7018.4517.35307.4%2.001.000.992-0.1030.001
call10815.5517.3516.35285.2%2.001.000.992-0.1020.001
call10914.8016.1015.42254.4%4.001.000.991-0.1010.001
call11013.9014.9014.40225.7%1174.000.991-0.1000.001
call11112.8514.0013.49221.5%2.001.000.987-0.1350.002
call11211.5513.2512.30225.9%1.002.000.984-0.1460.002
call11310.5512.1511.39207.3%34.002.000.979-0.1840.003
call1149.5511.509.84216.8%12.000.000.968-0.2490.004
call1158.6510.209.70184.6%39.007.000.961-0.2770.005
call1167.709.408.00183.3%14.001.000.946-0.3550.007
call1176.558.505.30175.0%19.000.000.921-0.4660.009
call1185.857.406.00155.3%1400.000.904-0.5010.010
call1194.606.255.90132.9%63.000.000.886-0.5090.011
call1203.854.754.5091.5%55865.000.877-0.4450.012
call1212.993.703.1775.3%3532.000.834-0.4920.015
call1222.242.402.3445.4%6533220.797-0.4340.017
call1231.411.651.4843.8%1,4006680.669-0.5480.021
call1240.840.970.9039.6%1,1362670.515-0.5640.024
call1250.390.470.4736.1%2,1392530.338-0.4820.022
call1260.170.230.2036.9%8993320.198-0.3760.016
call1270.060.090.0736.4%1,1353110.122-0.3020.012
call1280.030.050.0539.7%88584.000.084-0.2580.009
call1290.000.040.0245.5%91915.000.072-0.2720.008
call1300.010.030.0250.3%56926.000.070-0.3140.008
call1310.000.020.0153.7%1586.000.066-0.3430.008
call1320.010.020.0159.8%3943.000.050-0.2850.006
call1330.000.560.0266.3%1940.000.038-0.2370.005
call1340.000.390.0172.3%93.000.000.026-0.1760.004
call1350.000.040.0376.1%1373.000.031-0.1770.005
call1360.000.750.1784.2%2540.000.014-0.1080.002
call1370.000.060.1689.3%70.000.000.011-0.0920.002
call1380.000.510.0995.6%1540.000.011-0.0950.002
call1390.000.510.07101.2%31.000.000.010-0.0960.002
call1400.000.050.02105.4%33.002.000.010-0.0950.002
call1410.000.750.01112.2%1100.000.009-0.0980.001
call1420.001.120.06117.6%12.000.000.009-0.0990.001
call1430.000.770.15116.6%7.000.000.008-0.0900.001
call1440.002.130.14128.1%3.000.000.008-0.1010.001
call1450.002.132.16133.3%10.000.000.008-0.1020.001
call1460.002.130.00138.4%0.000.000.008-0.1030.001
call1500.002.132.04158.3%27.000.000.007-0.1060.001
call152.50.002.130.00170.3%0.000.000.006-0.1070.001
call1550.002.130.00181.9%0.000.000.006-0.1090.001
call1600.002.130.00204.7%0.000.000.005-0.1120.001
call1650.002.130.00226.3%0.000.000.005-0.1140.001
call1700.000.010.96-3.000.00---
call1750.002.130.00-0.000.000.002-0.0650.000
put75.000.002.130.01-1.000.00-0.002-0.0650.000
put80.000.000.080.01-11.000.00---
put85.000.002.130.13-5.000.00-0.002-0.0630.000
put90.000.002.130.14-0.000.00-0.002-0.0620.000
put95.000.000.010.07176.8%16.000.00-0.003-0.0450.001
put1000.000.010.01-2480.00---
put1050.000.080.03144.2%2,8871.00-0.007-0.1000.001
put1070.000.190.08129.6%4.001.00-0.008-0.0980.001
put1080.000.750.00122.4%0.000.00-0.008-0.0970.001
put1090.000.020.02115.1%79.000.00-0.009-0.0960.001
put1100.000.020.01108.0%1,60689.00-0.009-0.0950.001
put1110.000.060.03106.4%16620.00-0.013-0.1300.002
put1120.000.530.0198.9%6170.00-0.016-0.1410.002
put1130.000.030.0191.4%2169.00-0.021-0.1780.003
put1140.000.750.0384.0%3150.00-0.032-0.2430.004
put1150.010.080.0276.5%2,06120.00-0.039-0.2710.005
put1160.010.030.0168.9%3863.00-0.054-0.3490.007
put1170.010.040.0264.4%7609.00-0.078-0.4550.009
put1180.000.040.0156.6%1,14919.00-0.095-0.4890.010
put1190.020.040.0348.5%864104-0.114-0.5030.011
put1200.040.070.0745.4%1,013495-0.121-0.4310.012
put1210.080.130.1042.5%925655-0.166-0.4860.015
put1220.200.260.2441.1%838321-0.196-0.4120.016
put1230.350.520.3840.8%918495-0.331-0.5410.021
put1240.750.900.8239.5%266225-0.485-0.5580.024
put1251.281.441.3337.8%31051.00-0.662-0.4760.022
put1261.982.201.8139.0%1041,023-0.802-0.3690.016
put1272.703.203.0050.4%5048.00-0.878-0.2950.012
put1282.824.204.9061.0%28.001.00-0.916-0.2510.009
put1294.655.304.9678.5%6.0021.00-0.928-0.2650.008
put1304.806.604.70109.0%83.0051.00-0.930-0.3070.008
put1315.708.109.37149.3%0.000.00-0.934-0.3350.008
put1326.809.057.64158.0%2.001.00-0.951-0.2740.006
put1337.8010.1012.98172.0%0.000.00-0.962-0.2300.005
put1348.8010.9014.15170.4%0.000.00-0.974-0.1680.004
put1359.3012.1011.17193.3%0.001.00-0.980-0.1380.003
put13610.5513.1012.10203.6%0.001.00-0.986-0.1000.002
put13711.5514.1014.91213.6%0.000.00-0.989-0.0850.002
put13812.5015.1016.25223.4%0.000.00-0.989-0.0860.002
put13913.5015.9516.89223.7%0.000.00-0.990-0.0870.002
put14014.4517.0521.48238.9%0.000.00-0.990-0.0890.002
put14115.4518.0519.60248.1%0.000.00-0.991-0.0900.001
put14216.3519.000.00254.6%0.000.00-0.991-0.0900.001
put14317.5020.1021.18269.5%0.000.00-0.992-0.0910.001
put14418.3521.1022.11278.3%2.000.00-0.992-0.0920.001
put14519.5022.1021.20286.9%1.000.00-0.992-0.0930.001
put14620.5023.1022.17295.4%0.000.00-0.992-0.0940.001
put15024.5027.1028.51328.0%0.000.00-0.993-0.0960.001
put152.527.0029.6030.85348.8%0.000.00-0.994-0.0970.001
put15529.4032.1033.33366.4%0.000.00-0.994-0.0990.001
put16034.5037.1038.43402.4%0.000.00-0.995-0.1010.001
put16539.5042.1043.40436.5%0.000.00-0.995-0.1030.001
put17044.4047.1048.39-0.000.00-0.997-0.0530.000
put17549.4552.100.00-0.000.00-0.998-0.0530.000

Latest SEC filings

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FiledFormDescriptionPeriodLink
2026-11-12424B2SEC
2026-11-12424B2SEC
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2026-11-12424B2SEC
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2026-11-12424B2SEC
2026-11-12FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-11-12424B2SEC
2026-11-12424B2SEC
2026-11-12424B2SEC
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2026-11-12424B2SEC
2026-11-12424B2SEC
2026-11-12424B2SEC
2026-11-12424B2SEC
2026-11-12FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-0500265.26K1
2026-04004.96M2
2026-030000
2026-020017.81M7
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.8.72%
VANGUARD CAPITAL MANAGEMENT LLC6.25%
STATE STREET CORP4.61%
GEODE CAPITAL MANAGEMENT, LLC2.46%
Fisher Asset Management, LLC2.22%
FRANKLIN TEMPLETON INC2.11%
JPMORGAN CHASE & CO1.91%
Capital World Investors1.90%
VANGUARD PORTFOLIO MANAGEMENT LLC1.89%
MORGAN STANLEY1.64%

Funds

Fund% owned
Touchstone Strategic Trust-Touchstone Flexible Income Fund233.25%
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND4.91%
JPMorgan Core Plus Bond Fund3.18%
Invesco BulletShares 2026 Corporate Bond ETF3.09%
Fidelity Investment Grade Bond Central Fund3.04%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.91%
Fidelity Series Investment Grade Bond Fund2.88%
VANGUARD ULTRA-SHORT-TERM BOND FUND2.76%
Dodge & Cox Balanced Fund2.68%
BBH Limited Duration Fund2.67%

OakChart. C. Cached 15 minutes. Terms