NYSE$C
Citigroup · Q4 2024 earnings
Q4 2024 earnings · · Investor relations
Briefing
Citigroup's strategy delivered as intended, driving stronger performance across businesses
Citigroup reported a net income of $2.9 billion for Q4 2024, a significant increase compared to the net loss of $(1.8) billion in Q4 2023. Revenues reached $19.6 billion, up 12% year-over-year, driven by growth in each of Citi’s businesses. The company's full-year net income was $12.7 billion, with revenues of $81.1 billion.
- Net income for Q4 2024 was $2.9 billion, or $1.34 per diluted share, on revenues of $19.6 billion.
- Revenues increased 12% year-over-year, driven by growth in each of Citi’s businesses.
- Returned ~$2.1 billion to common shareholders in the form of dividends and share repurchases in Q4 2024.
- Board of Directors authorized a new, multi-year $20 billion common stock repurchase program.
Headline financials
Revenue & EPS history
Citi · Revenue · Quarterly
$19.6B
Revenue by segment
Citi · $17.5B total across 5 segments · Q3 2023
- U.S. Personal Banking$4.92B—28.1%
- Markets$4.75B—27.1%
- Services$4.64B—26.5%
- Wealth$1.83B—10.5%
- Banking$1.37B—7.8%
Forward guidance
Citigroup expects its 2026 RoTCE to be between 10% and 11% to make additional investments in its businesses and Transformation.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
+0.3%
Avg return
Earnings day
+0.4%
Avg return
5 days after
+2.3%
Avg return
30 days after
52%
37 / 71 earnings
Positive
+13.4%
Q2 2022
Best reaction
-19.7%
Q2 2011
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q4 2025 | -3.9% | +4.7% | -1.3% | |
| Q1 2026 | -0.2% | +4.7% | -1.3% | |
| Q3 2025 | +3.4% | +1.0% | +4.8% | |
| Q2 2025 | +0.9% | -1.0% | +5.1% | |
| Q1 2025 | +1.8% | +0.0% | +20.2% | |
| Q4 2024 | +6.8% | +8.8% | +15.1% | |
| Q3 2024 | -2.7% | -4.8% | +3.2% | |
| Q2 2024 | -0.9% | +2.9% | -12.0% | |
| Q1 2024 | -3.5% | -4.2% | +4.6% | |
| Q4 2023 | -0.4% | -0.6% | +12.2% | |
| Q3 2023 | -1.4% | -2.6% | +1.3% | |
| Q2 2023 | -3.0% | -0.3% | -6.5% | |
| Q1 2023 | +5.1% | +6.6% | -3.9% | |
| Q4 2022 | +2.5% | +0.7% | +2.1% | |
| Q3 2022 | +1.5% | +0.9% | +16.9% | |
| Q2 2022 | +13.4% | +18.8% | +23.2% | |
| Q1 2022 | +4.3% | +5.5% | -5.0% | |
| Q4 2021 | -3.7% | -5.2% | -0.9% | |
| Q3 2021 | +2.9% | +2.1% | -1.6% | |
| Q2 2021 | +0.1% | -4.8% | +6.9% | |
| Q1 2021 | -0.6% | -4.3% | +5.0% | |
| Q4 2020 | -7.7% | -8.3% | -7.8% | |
| Q3 2020 | -6.2% | -5.9% | +5.2% | |
| Q2 2020 | -0.7% | -3.8% | +1.3% | |
| Q1 2020 | -10.8% | -3.1% | -7.7% | |
| Q4 2019 | +0.7% | +0.6% | -2.0% | |
| Q3 2019 | -1.1% | -0.7% | +5.1% | |
| Q2 2019 | -0.6% | -1.2% | -14.4% | |
| Q1 2019 | +2.8% | +3.3% | -3.8% | |
| Q4 2018 | +8.3% | +11.3% | +11.2% | |
| Q3 2018 | +1.2% | +2.1% | -3.8% | |
| Q2 2018 | +1.4% | +2.0% | +2.6% | |
| Q1 2018 | -2.9% | -4.4% | +1.0% | |
| Q4 2017 | +0.8% | +1.9% | +0.3% | |
| Q3 2017 | -3.8% | -3.7% | -3.6% | |
| Q2 2017 | -0.3% | -0.5% | -0.3% | |
| Q1 2017 | +0.8% | -0.2% | +4.4% | |
| Q4 2016 | -2.9% | -4.6% | +3.1% | |
| Q3 2016 | +0.3% | +2.1% | +9.0% | |
| Q2 2016 | +0.3% | +0.0% | +2.5% | |
| Q1 2016 | +0.3% | — | — | |
| Q4 2015 | -7.6% | — | — | |
| Q3 2015 | +3.9% | — | — | |
| Q2 2015 | +4.1% | — | — | |
| Q1 2015 | -0.3% | — | — | |
| Q4 2014 | -2.9% | — | — | |
| Q1 2012 | -1.1% | — | — | |
| Q3 2014 | -0.4% | — | — | |
| Q2 2014 | +4.9% | — | — | |
| Q1 2014 | +5.8% | — | — | |
| Q4 2010 | +0.4% | — | — | |
| Q4 2013 | -4.9% | — | — | |
| Q3 2013 | +2.5% | — | — | |
| Q2 2013 | +2.0% | — | — | |
| Q1 2013 | +4.2% | — | — | |
| Q4 2012 | -1.9% | — | — | |
| Q3 2012 | +7.2% | — | — | |
| Q2 2012 | +2.7% | — | — | |
| Q3 2011 | -0.7% | — | — | |
| Q2 2011 | -19.7% | — | — | |
| Q1 2011 | +0.0% | — | — | |
| Q3 2010 | +2.5% | — | — | |
| Q2 2010 | -0.5% | — | — | |
| Q1 2009 | +4.5% | — | — | |
| Q1 2010 | +2.2% | — | — | |
| Q4 2007 | +0.0% | — | — | |
| Q2 2009 | +0.0% | — | — | |
| Q4 2009 | +0.0% | — | — | |
| Q4 2008 | +3.2% | — | — | |
| Q3 2008 | +3.2% | — | — | |
| Q3 2009 | +3.2% | — | — |
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