What is C's DredgeCap risk score?

DredgeCap's AI analysis rates C at 2.8/10 on the risk scale — Low risk. This score reflects dilution exposure, debt toxicity, liquidity position, and going-concern posture as disclosed in SEC filings.

Does C have a going concern warning?

No current auditor going-concern warning is flagged in C's SEC filings. Risk assessment is based on other filing-disclosed factors.

When did C last file with the SEC?

C's most recent SEC filing was a 10-K filed 2026-02-20. All filings are available on SEC EDGAR.

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C

Q: What does C do?

Citigroup Inc. is a Delaware-incorporated global bank and financial services holding company headquartered at 388 Greenwich Street, New York, NY, operating across five core business segments: Services, Markets, Banking, Wealth, and U.S. Personal Banking. As of December 31, 2025, the firm reported total assets of $2.657 trillion, making it one of the largest financial institutions in the United States. Citigroup operates internationally, with significant presence in Mexico through its Banamex subsidiary, which is in the process of a partial ownership transition following a 25% share sale.

Citigroup Inc.

C ⚖️Compare Forum

✅ Verdict

LOW RISK

No dominant structural financial risk is present; Citigroup's primary risk for existing shareholders is execution-driven — specifically, the ongoing multi-year regulatory transformation program, residual consent order compliance obligations, the complexity of the Banamex partial divestiture (including an estimated $(9) billion in cumulative translation adjustment losses that will flow through earnings upon full deconsolidation), and the challenge of sustaining positive operating leverage across five core businesses in a macro environment sensitive to interest rates and credit cycle dynamics.

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Common Outcome:Sideways drift likely

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Secondary Risk:Elevated structural risks

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Confidence:MODERATE

All risk signals are derived directly from SEC filings and supported by cited financial disclosures — not opinion or speculation.

C Stock Risk Analysis

C is a NYSE-listed stock with lower risk characteristics — a DredgeCap risk score of 2.8/10. No dominant structural financial risk is flagged in the most recent SEC filings; the primary considerations for existing shareholders are discussed in the analysis below, with supporting financial detail drawn from the 10-K and 10-Q.

Company Overview

Citigroup Inc. is a Delaware-incorporated global bank and financial services holding company headquartered at 388 Greenwich Street, New York, NY, operating across five core business segments: Services, Markets, Banking, Wealth, and U.S. Personal Banking. As of December 31, 2025, the firm reported total assets of $2.657 trillion, making it one of the largest financial institutions in the United States. Citigroup operates internationally, with significant presence in Mexico through its Banamex subsidiary, which is in the process of a partial ownership transition following a 25% share sale.

AI-generated summary based on SEC filings. May contain errors. See disclosure

Leadership

Jane Fraser

Chief Executive Officer

Investment Risk Score

BULLISH

2.8/10

LOW RISK

Dilution Risk

LOW2.0/10

Liquidity Risk

LOW2.0/10

Debt Toxicity

LOW2.5/10

Profitability Risk

MODERATE3.5/10

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C Risk Summary

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Going Concern

No going concern warning

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Accumulated Deficit

Not present in the provided source material; retained earnings of $214,034 million as of September 30, 2025 and the balance sheet shows positive common equity of $192,241 million as of December 31, 2025, indicating no accumulated deficit condition [Source: 10-K, filed 2026-02-20, Consolidated Balance Sheet; 10-Q, filed 2025-11-06, Consolidated Balance Sheet]

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Revenue

Strong Growth

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Dilution

Common shares issued were approximately 3,099,752,593 as of December 31, 2025 and 3,099,719,006 as of December 31, 2024 — effectively flat, indicating no material dilutive issuance over the period; treasury stock increased from 1,222,647,540 shares (December 31, 2024) to 1,310,485,026 shares (September 30, 2025), reflecting active share repurchase activity that is reducing the effective float [Source: 10-K, filed 2026-02-20, Consolidated Balance Sheet; 10-Q, filed 2025-11-06, Consolidated Balance Sheet] — No dilutive convertible instruments, warrants, or shareholder-adverse financing structures identified in the provided source material; the preferred stock outstanding (802,000 shares at aggregate liquidation value of $20,050 million as of December 31, 2025) represents a standard bank capital structure component and does not present a material dilution mechanism for common shareholders [Source: 10-K, filed 2026-02-20, Consolidated Balance Sheet]

Conclusion

Citigroup is a globally systemically important bank with $2.657 trillion in total assets as of December 31, 2025, positive and improving profitability (net income up 13% in 2025, RoTCE of 8.6% for the nine months ended September 30, 2025), a CET1 capital ratio of 13.2% under Basel III Standardized Approach above regulatory minimums, and a shareholder-aligned capital structure returning over $17.5…

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Dilution Analysis

Share count history & convertible note terms

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Debt Structure

Loan terms, convertible notes & toxic debt

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Going Concern

Auditor warnings & viability assessment

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Full Financials

Revenue, income, balance sheet trends

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