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Citigroup C Debt Instrument - Effective Interest Rate

Debt Instrument - Effective Interest Rate at other companies

Citigroup logo
CitigroupC
4.4%0.0pp
Service Corporation International logo
Service Corporation InternationalSCI
5.4%-1.0pp
Essential Utilities logo
Essential UtilitiesWTRG
4.1%+0.1pp
RBC Bearings logo
RBC BearingsRBC
4.4%0.0pp
Morgan Stanley logo
Morgan StanleyMS
4.2%+0.1pp
General Purpose Acquisition Corp. logo
General Purpose Acquisition Corp. GPAC
90%+84.0pp

Other financials

Income statement

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Revenue$24.6B+14.1%
Net income$5.8B+42.3%
EPS (diluted)$3.06+56.1%

Balance sheet

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Cash & equivalents$385.72B+25.1%
Total debt$396.86B+12.5%
Total equity$210.96B-0.7%
Total assets$2.78T+8.0%

Cash flow

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Operating cash flow-$21.9B+62.7%
CapEx$1.4B-6.7%
Free cash flow-$23.3B+61.3%

Valuation

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Market cap$244B+48.5%
Enterprise value$255.14B+17.7%
P/E15.2×+2.9×
P/S2.8×+0.7×

Profitability

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Gross margin76.6%—
Net margin18.2%+1.7pp
FCF margin-71.1%—

Returns & leverage

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Return on equity7.6%+1.2pp
Debt / equity1.9×+0.2×

Where this comes from

Reported directly by Citigroup in its filing.

Tagged under the XBRL concept c:DebtInstrumentWeightedAverageInterestRateAfterEffectOfDerivativeContract.

The official record: Citigroup’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citigroup's debt instrument - effective interest rate?
Citigroup (C) reported debt instrument - effective interest rate of 4.4% in Q4 2025.
How has Citigroup's debt instrument - effective interest rate changed year-over-year?
Citigroup's debt instrument - effective interest rate decreased by 0.9% year-over-year, from 4.4% to 4.4%.
What is the long-term trend for Citigroup's debt instrument - effective interest rate?
Over 5 years (2020 to 2025), Citigroup's debt instrument - effective interest rate has grown at a 10.6% compound annual growth rate (CAGR), from 2.6% to 4.4%.
What does debt instrument - effective interest rate mean?
The effective interest rate represents the actual rate of return earned or paid on debt instruments, accounting for the amortization of premiums, discounts, and issuance costs. It provides a more accurate reflection of the true cost of borrowing than the stated coupon rate. This metric is essential for comparing the cost of capital across different debt instruments and peer institutions.