The earnings call presented a strong financial performance with significant revenue growth across several key segments, including Services, Markets, Banking, and Wealth. Despite some challenges in retail services and increased transformation expenses, the positive achievements, such as record revenues and substantial capital returns to shareholders, indicate a robust overall performance.

Company Guidance -

Q3 2025

During Citi's 2025 Q2 earnings call, key financial metrics were highlighted, showcasing strong performance across various business segments. The company reported a net income of $4 billion and earnings per share of $1.96, with a return on tangible common equity (ROTCE) of 8.7%. Revenues increased by 8%, with notable growth in markets (up 16%) and banking (up 18%). Services stood out with a 23% ROTCE, while wealth management achieved a pre-tax margin of 29% and a 20% revenue increase. Citi also returned over $3 billion to shareholders, including $2 billion in share repurchases, and ended the quarter with a common equity tier one capital ratio of 13.5%. The call emphasized the strategic progress, with improvements in risk management, automation, and digital asset innovations, alongside plans for continued capital returns and a focus on achieving a 10% to 11% ROTCE target next year.

Strong Financial Performance

Citi reported net income of $4 billion and earnings per share of $1.96, with revenues up 8% year-over-year. Three of the five businesses had record second-quarter revenues.

Services and Markets Growth

Services achieved a 23% ROTCE for the quarter with revenue up 8%. Markets revenues increased by 16%, marking the best second quarter since 2020.

Banking and Wealth Expansion

Banking revenues rose 18%, and Wealth recorded a 20% increase in revenues with a pre-tax margin of 29%.

Capital Returns to Shareholders

Citi returned over $3 billion in capital to shareholders this quarter, including $2 billion in share repurchases. The common equity tier one capital ratio was 13.5%.

Positive Operating Leverage

Positive operating leverage was achieved at both the firm and business levels, contributing to strong financial results.

Citigroup (C) Earnings, Revenues Date & History

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C Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 14, 2025	2025 (Q3)	1.86 / -	1.51	―	―	―
Jul 15, 2025	2025 (Q2)	1.66 / 1.96	1.52	28.95% (+0.44)
Apr 15, 2025	2025 (Q1)	1.85 / 1.96	1.58	24.05% (+0.38)
Jan 15, 2025	2024 (Q4)	1.22 / 1.34	-1.16	215.52% (+2.50)
Oct 15, 2024	2024 (Q3)	1.31 / 1.51	1.63	-7.36% (-0.12)
Jul 12, 2024	2024 (Q2)	1.40 / 1.52	1.33	14.29% (+0.19)
Apr 12, 2024	2024 (Q1)	1.18 / 1.58	2.19	-27.85% (-0.61)
Jan 12, 2024	2023 (Q4)	0.11 / -1.16	1.16	-200.00% (-2.32)
Oct 13, 2023	2023 (Q3)	1.23 / 1.63	1.63	0.00% (0.00)
Jul 14, 2023	2023 (Q2)	1.30 / 1.33	2.19	-39.27% (-0.86)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

C Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 15, 2025	$86.93	$90.13	+3.68%
Apr 15, 2025	$62.31	$63.40	+1.75%
Jan 15, 2025	$71.94	$76.61	+6.49%
Oct 15, 2024	$64.04	$60.77	-5.11%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.