Citigroup Inc FY 2025 10-K, explained in plain English

Key financials — as reported

Total revenue	$85.2B
Gross margin	— not reported
Operating income	— not reported
Net income	$14.3B
Diluted EPS	$6.99
Cash & equivalents	— not reported
Total assets	$2.66T
Long-term debt	$315.8B

Key takeaway

Corporate/Other revenues fell sharply to a loss of $1.1 billion from a $668 million gain, driven by lower net interest income and the absence of prior-year investment sale gains.

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Beneath the surface

Asia Consumer revenues swung to negative $995 million from $812 million a year earlier, driven by Russia-related notable items and the AO Citibank sale (completed February 18, 2026, after fiscal year-end), indicating a material subsequent event tied to ongoing divestitures.

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