C

What kind of company is C?

A bank — it takes in deposits from customers, makes loans, processes payments, and earns fees across consumer and business banking. (Citigroup Inc.'s detailed company profile isn't synced right now, so this page shows only the essentials.)

How to read the numbers on this page

The tiles above are quick snapshots. Here's what the ones you can see mean:

• Last price — the most recent trading price we have, refreshed periodically on a schedule that doesn't currently cover this symbol. It's a snapshot, not a real-time ticker. Learn how stock prices work.
• Market cap — price multiplied by total shares outstanding, i.e. what the market thinks the whole company is worth. Bigger means bigger, not automatically better.
• P/E ratio — price divided by earnings per share: a quick "how expensive is the stock" gauge. Banks usually have lower P/Es than tech stocks because their earnings growth is steadier. P/E explained for beginners.
• Dividend yield — the annual dividend per share divided by the price, shown as a percentage. It's the income component of owning the stock — useful if you invest for income, though dividends can change or be cut. Dividend yield 101.
• Volume — how many shares changed hands in the latest session. A jump in volume often marks a busy news day. Understanding trading volume.

You might also notice what's not on this page: the recorded 52-week range isn't reliable right now, so it isn't shown, and detailed financial statements aren't synced for this stock. Those panels will reappear once the data is current.

Want to dig deeper? Our Learn library has beginner guides to the income statement and the balance sheet.

What makes banks different

Banks make money differently from product companies like Apple: their raw material is borrowed money. Four concepts appear in every bank's reports:

• Net interest income & net interest margin (NIM) — a bank pays interest on deposits and lends that money out at a higher rate. The difference is net interest income; as a percentage of its interest-earning assets it's the net interest margin. A wider spread means the lending side earns more.
• Credit provisions — money a bank sets aside for loans that may never be repaid. Higher provisions reduce reported profit and usually signal the bank expects weaker loan performance.
• CET1 capital ratio — core equity (mostly common shares and retained earnings) divided by risk-weighted assets. It's the loss-absorbing cushion a bank holds, and regulators require a minimum. Higher means a safer balance sheet.
• Efficiency ratio — operating expenses divided by revenue. Lower is better: the bank spends less to generate each dollar of income.

Beginner questions