Citi Q4 net income $2.9B ($1.34 EPS); FY 2024 net income $12.7B; board authorizes $20B buyback

CITIGROUP INC

2024-FY EPS reported $5.94 revenue$81,139,000,000

Q4 revenues $19.6B (+12% YoY); full-year revenues $81.1B (+3% YoY); record years in Services, Wealth, USPB.
FY 2024 net income $12.7B (+37% YoY); EPS $5.87 vs. $4.04 in 2023; efficiency ratio improved to 66.5%.
Returned ~$6.7B to common shareholders in 2024 ($2.1B in Q4); payout ratio 58%.
Board authorized new $20B common stock repurchase program starting Q1 2025.
Revised 2026 RoTCE target to 10-11% (from prior higher level) to fund additional investments and Transformation.

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