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Citigroup (C)
NYSE:C
Earnings Data
Report Date
Apr 14, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.58Last Year’s EPS
1.96Same Quarter Last Year
Strong Buy
Based on 19 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed clear progress: strong revenue growth, record performance across businesses, robust capital returns, improving returns and demonstrable transformation and AI adoption. These positives were tempered by notable one-time impacts (Russia), rising expenses, credit losses concentrated in cards and Mexico, and some near-term revenue volatility in markets and retail services. Management expects continued NII growth, further expense discipline targeting an efficiency ratio around 60% in 2026, and ongoing buybacks, while regulatory timing and certain credit/fee headwinds remain watch items.Company Guidance
Adjusted EPS and Return Improvement
Adjusted Q4 EPS of $1.81 and adjusted ROTCE of 7.7%; full-year adjusted ROTCE improved to 8.8% (a 180 bps improvement after adjusting for Banamex and Russia) and adjusted net income surpassed $16.0 billion.
Top-Line Growth and Record Revenues
Full-year reported revenue of ~$85.2 billion (adjusted $86.6 billion) representing ~7% organic growth (adjusted) — the strongest growth in over a decade — and each of the five businesses delivered record revenues and positive operating leverage at the business and firm level for the second straight year.
Payments, Treasury & Security Services Momentum
Security services assets under custody & administration grew ~24%; cross-border transaction value increased (management cited ~10%–14% growth in different sections); TTS innovations (Citi Token, Payments Express expansion) drove product adoption and market share gains; services ROTCE for the year exceeded 28%.
Markets and Equities Strength
Markets delivered record revenues (surpassing 2020 levels); fixed income up ~10% (despite commodities weakness); equities revenues reached $5.7 billion (a record) and prime balances rose over 50%, contributing to Markets full-year ROTCE of ~11.6%.
Banking / Investment Banking Outperformance
Investment banking fees grew 35% with M&A up ~84% (record quarter and year); DCM up ~19%; the franchise gained wallet and market share, delivering banking ROTCE of ~11.3% for the year and substantial revenue gains while keeping expenses controlled.
Wealth and US Personal Banking Progress
Wealth revenues up ~14% with ~8% organic NNIA growth and full-year ROTCE ~12%; client investment assets up ~14%; US Personal Banking delivered stronger branded cards revenue growth (~8%) and USPB returns more than doubled to mid-teens for the year.
Strong Capital Return and Capital Ratios
Repurchased over $13 billion of common shares in 2025 (including $4.5 billion in Q4) as part of a $20 billion program; total capital return > $17.5 billion; preliminary CET1 ratio ~13.2%, ~160 bps above the regulatory requirement; average LCR ~115% and >$1 trillion of available liquidity.
Transformation, Controls and AI Adoption
Over 80% of transformation programs at or near target state; OCC terminated Article 17 in December; AI and proprietary tools have been used >21 million times across 84 countries with adoption >70%, and the bank has begun automating 50+ large, complex processes to improve efficiency and controls.
C Earnings History
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 |
|---|---|---|---|
Jan 14, 2026 | $116.30 | $112.41 | -3.34% |
Oct 14, 2025 | $95.53 | $99.25 | +3.89% |
Jul 15, 2025 | $86.41 | $89.59 | +3.68% |
Apr 15, 2025 | $61.94 | $63.03 | +1.76% |
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.
FAQ
When does Citigroup (C) report earnings?
Citigroup (C) is schdueled to report earning on Apr 14, 2026, Before Open (Confirmed).
What is Citigroup (C) earnings time?
Citigroup (C) earnings time is at Apr 14, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is C EPS forecast?
C EPS forecast for the fiscal quarter 2026 (Q1) is 2.58.
