---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-003638"
form_type: "8-K"
ticker: "C"
cik: "0000831001"
company_name: "CITIGROUP INC"
filed_at: "2025-01-15T23:59:59+00:00"
generated_at: "2026-05-28T01:33:41.388863+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-25-003638
- form_type: 8-K
- ticker: C
- cik: 0000831001
- company_name: CITIGROUP INC
- filed_at: 2025-01-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/831001/000110465925003638/0001104659-25-003638-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/831001/000110465925003638/c-20240712x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-003638
- JSON: https://secwatch.observer/filing/0001104659-25-003638.json
- Plain text: https://secwatch.observer/filing/0001104659-25-003638.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.