Citigroup

C Banks & Financial Services 5/10 Medium Risk

5/10

— 5 → 5 over 22 weeks

Sector avg: 4.2/10

Citigroup carries $315.8B in long-term debt, with $315.8B in scheduled principal maturities. With $82.1B (26% of maturities) due within 24 months, C faces a meaningful refinancing window. C shows cash covering only -1.4x of $46.9B in near-term maturities. DebtCanary scores C at 5/10, indicating moderate refinancing pressure.

Maturity Schedule

As of 2025-12-31 (latest SEC filing with maturity data). Debt actions taken after this date will only appear once SEC processes the relevant XBRL filing.

Period	Amount Due	% of Total
Year 1 (0-12 months)	$46.9B	14.8%
Year 2 (12-24 months)	$35.3B	11.2%
Year 3 (24-36 months)	$39.4B	12.5%
Year 4 (36-48 months)	$21.3B	6.7%
Year 5 (48-60 months)	$29.5B	9.4%
Beyond 5 Years	$143.5B	45.4%
Total Scheduled Maturities	$315.8B	100.0%

Key Metrics

Total Long-Term Debt

$315.8B

Near-Term (12mo)

$46.9B

Interest Coverage

N/A

Debt/Equity

1.49

Cash Coverage

-1.44x

Operating Income

N/A

How This Score Was Computed

Weighted average of 3 scored components (raw 5.27, rounded to 5). Weights of skipped components are redistributed proportionally among those scored.

Component	Value	Sub-Score	Weight Used
Near-Term Maturity Concentration Show calculation Year-1 maturities / Total scheduled maturities Year-1 maturities: $46.9B Total scheduled maturities: $315.8B	14.8%	3/10	40%
Interest Coverage Ratio Operating income was not reported in the latest 10-K.	N/A	—	not scored
Debt-to-Equity Ratio Show calculation Long-term debt / Stockholders' equity Long-term debt: $315.8B Stockholders' equity: $212.3B	1.49	5/10	33%
Cash Coverage of Near-Term Debt Show calculation Cash & equivalents / Debt due within 12 months Cash from operations: -$67.6B Near-term debt: $46.9B Cash & equivalents was not reported; annual operating cash flow is used as the numerator instead.	-1.44x	9/10	27%
Cash Runway Only scored when a company is burning cash. Operating cash flow is positive (or unreported), so runway isn't a constraint.	N/A	—	not scored

"Weight Used" shows each component's share after the weights of unscored components are redistributed. Full thresholds and formulas are on the methodology page.

Recent SEC Filings

Material disclosures from Citigroup's most recent EDGAR filings. 8-K item labels indicate the type of event reported.

Date	Form	Details
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance
2026-07-24	424B2	Prospectus supplement — possible debt or equity issuance

Related Companies

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Pnc Financial Services Group

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Truist Financial

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Data Source: Financial data sourced from SEC EDGAR XBRL filings (10-K annual reports). Fiscal period end: 2025-12-31. Filing date: 2026-02-20. Data last fetched: 2026-07-26. Maturity schedules reflect the company's most recently reported debt repayment obligations. Data quality: Partial.
View SEC EDGAR filings for Citigroup →