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Citigroup C In North America offices — Total modifications balance

Other geography segments

In offices outside North America
$49M+75.0%

Similar metrics at other companies

Coastal Financial logo
CCBCCBX — Total
$20.22M+28.8%
Wintrust Financial logo
WTFCFinancing receivable, excluding accrued interest, modified in period, amount
$8.35M+595%
Washington Trust Bancorp logo
WASHFinancing receivable, excluding accrued interest, modified in period, amount
$5.68M
Hawthorn Bancshares logo
HWBKFinancing receivable, excluding accrued interest, modified in period, amount
$0
Carter Bankshares, Inc. logo
CAREFinancing receivable, excluding accrued interest, modified in period, amount
$17.49M-77.4%
BankUnited logo
BKUFinancing receivable, excluding accrued interest, modified in period, amount
$139.33M-8.3%

Other financials

Income statement

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Revenue$24.8B+14.3%
Net income$5.8B+45.1%
EPS (diluted)$3.15+60.7%

Balance sheet

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Cash & equivalents$366.41B+8.6%
Total debt$413.92B+7.4%
Total equity$212.02B-0.6%
Total assets$2.89T+10.4%

Cash flow

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Operating cash flow-$24.1B+34.2%
CapEx$1.6B-11.6%
Free cash flow-$25.6B+33.1%

Valuation

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Market cap$224.47B+32.2%
Enterprise value$271.97B+24.8%
P/E12.6×+0.6×
P/S2.5×+0.4×

Profitability

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Gross margin76.6%
Net margin19.5%+2.4pp
FCF margin-71.1%

Returns & leverage

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Return on equity8.4%+1.7pp
Debt / equity+0.1×

Where this comes from

Reported directly by Citigroup in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod.

The source filing: Citigroup’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 5:14 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000831001-26-000045
In millions of dollars, except weighted averagesModifications as % of loansTotal modifications balance at June 30, 2026(1)(2)(3)For the Three Months Ended June 30, 2026 / Interest rate reductionFor the Three Months Ended June 30, 2026 / Term extensionFor the Three Months Ended June 30, 2026 / Payment delayFor the Three Months Ended June 30, 2026 / Combination: interest rate reduction and term extensionFor the Three Months Ended June 30, 2026 / Weighted-average interest rate reduction %Weighted-average term extension (months)Weighted-average delay in payments (months)
Home equity loans0.041111
Credit cards0.2545245224
Personal, small business and other0.0288916
Total0.17%$581$453$11$98$19
In offices outside North America(4)
Residential mortgages0.04%$10$8$221312
Credit cards0.0913763324
Personal, small business and other0.0626620627

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FAQ

What is Citigroup's in north america offices — total modifications balance?
Citigroup (C) reported in north america offices — total modifications balance of $581M in Q2 2026.
How has Citigroup's in north america offices — total modifications balance changed year-over-year?
Citigroup's in north america offices — total modifications balance decreased by 21.6% year-over-year, from $741M to $581M.
What is the long-term trend for Citigroup's in north america offices — total modifications balance?
Over 2 years (2023 to 2025), Citigroup's in north america offices — total modifications balance has grown at a 26.6% compound annual growth rate (CAGR), from $1.37B to $2.2B.
What does in north america offices — total modifications balance mean?
The aggregate outstanding balance of all loans that have undergone a formal modification process in the North American segment. This captures the total exposure to restructured debt that may still carry elevated risk profiles. It reflects the cumulative impact of the bank's loss mitigation strategies.

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