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Citigroup Earnings Calls
| Release date | Apr 14, 2026 |
| EPS estimate | $2.65 |
| EPS actual | $3.06 |
| EPS Surprise | 15.47% |
| Revenue estimate | 23.598B |
| Revenue actual | 24.633B |
| Revenue Surprise | 4.38% |
| Release date | Jan 21, 2026 |
| EPS estimate | $1.80 |
| EPS actual | $1.19 |
| EPS Surprise | -33.89% |
| Revenue estimate | 20.945B |
| Revenue actual | 19.871B |
| Revenue Surprise | -5.13% |
| Release date | Nov 06, 2025 |
| EPS estimate | $1.73 |
| EPS actual | $1.86 |
| EPS Surprise | 7.51% |
| Revenue estimate | 21.086B |
| Revenue actual | 22.09B |
| Revenue Surprise | 4.76% |
| Release date | Jul 15, 2025 |
| EPS estimate | $1.66 |
| EPS actual | $1.96 |
| EPS Surprise | 18.07% |
| Revenue estimate | 21.004B |
| Revenue actual | 21.668B |
| Revenue Surprise | 3.16% |
Last 4 Quarters for Citigroup
Below you can see how C performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 15, 2025 |
| Price on release | $90.72 |
| EPS estimate | $1.66 |
| EPS actual | $1.96 |
| EPS surprise | 18.07% |
| Date | Price |
|---|---|
| Jul 09, 2025 | $85.79 |
| Jul 10, 2025 | $87.08 |
| Jul 11, 2025 | $86.73 |
| Jul 14, 2025 | $87.50 |
| Jul 15, 2025 | $90.72 |
| Jul 16, 2025 | $90.02 |
| Jul 17, 2025 | $93.09 |
| Jul 18, 2025 | $93.45 |
| Jul 21, 2025 | $92.65 |
| 4 days before | 5.75% |
| 4 days after | 2.13% |
| On release day | -0.772% |
| Change in period | 8.00% |
| Release date | Nov 06, 2025 |
| Price on release | $100.85 |
| EPS estimate | $1.73 |
| EPS actual | $1.86 |
| EPS surprise | 7.51% |
| Date | Price |
|---|---|
| Oct 31, 2025 | $101.23 |
| Nov 03, 2025 | $101.61 |
| Nov 04, 2025 | $101.01 |
| Nov 05, 2025 | $101.69 |
| Nov 06, 2025 | $100.85 |
| Nov 07, 2025 | $100.79 |
| Nov 10, 2025 | $101.47 |
| Nov 11, 2025 | $100.76 |
| Nov 12, 2025 | $102.87 |
| 4 days before | -0.375% |
| 4 days after | 2.00% |
| On release day | -0.0595% |
| Change in period | 1.62% |
| Release date | Jan 21, 2026 |
| Price on release | $113.87 |
| EPS estimate | $1.80 |
| EPS actual | $1.19 |
| EPS surprise | -33.89% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $112.41 |
| Jan 15, 2026 | $117.46 |
| Jan 16, 2026 | $118.07 |
| Jan 20, 2026 | $112.84 |
| Jan 21, 2026 | $113.87 |
| Jan 22, 2026 | $115.66 |
| Jan 23, 2026 | $113.59 |
| Jan 26, 2026 | $114.82 |
| Jan 27, 2026 | $114.77 |
| 4 days before | 1.30% |
| 4 days after | 0.790% |
| On release day | 1.57% |
| Change in period | 2.10% |
| Release date | Apr 14, 2026 |
| Price on release | $129.65 |
| EPS estimate | $2.65 |
| EPS actual | $3.06 |
| EPS surprise | 15.47% |
| Date | Price |
|---|---|
| Apr 08, 2026 | $123.50 |
| Apr 09, 2026 | $124.93 |
| Apr 10, 2026 | $124.36 |
| Apr 13, 2026 | $126.21 |
| Apr 14, 2026 | $129.65 |
| Apr 15, 2026 | $131.66 |
| Apr 16, 2026 | $129.33 |
| Apr 17, 2026 | $132.17 |
| Apr 20, 2026 | $133.07 |
| 4 days before | 4.98% |
| 4 days after | 2.63% |
| On release day | 1.55% |
| Change in period | 7.74% |
Citigroup Earnings Call Transcript Summary of Q1 2026
Citigroup reported a very strong Q1 2026: net income $5.8B, EPS $3.06, ROTCE 13.1% on $24.6B revenues (up 14% YoY) with positive operating leverage. Four of five core businesses grew double digits. Highlights: Services (“crown jewel”) revenues +17% with deposits +16% and AUC +21%; Markets had best quarter in a decade (revenues +19%, Equities +39%); Banking fees up (M&A +19%, ECM +64%); Wealth revenues +11% with $15B net new investment flows; U.S. Consumer Cards revenues +4% with spend +5% and ROTCE ~19%. Cost of credit was $2.8B (driven by U.S. Cards net losses $1.7B and firmwide ACL build); total reserves ~$22B (reserve-to-funded-loans 2.6%). Capital and liquidity: CET1 12.7% (≈110 bps above regulatory minimum), LCR ~114%, $1T+ available liquidity; returned $6.3B via buybacks this quarter and near completion of $20B repurchase plan. Transformation: 90% of programs at/near target state, reduced transformation spend, ongoing data work remains the main unfinished piece; AI being deployed firmwide. Guidance and outlook: maintain full-year ROTCE target 10%–11%; NII ex-Markets +5%–6%; efficiency ratio ~60%; U.S. Cards NCL rate 4.0%–4.5%. Management emphasized focus on organic growth only, ongoing divestitures (Russia exit complete; Banamex selldowns progressing) and active engagement on pending regulatory capital/Basel/GSIB proposals.
