NYSE$C

Citigroup · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

Citigroup reported Q1 2026 revenue of $24.6B and net income of $5.8B, or $3.06 diluted EPS.

The linked EX-99.1 press release reports Q1 2026 revenue of $24.6 billion (+14% YoY) and net income of $5.8 billion, or $3.06 per diluted share. Services, Markets, and Banking each contributed to double-digit revenue growth.

  • Q1 2026 revenue $24.6B; net income $5.8B.
  • Diluted EPS $3.06 versus $1.96 prior year.
  • $6.3B of share repurchases in the quarter.
  • Diversified five-segment model drove consistent growth.

Headline financials

Total Revenue

$19.9B

Previous: $19.6B+1.5%
EPS (adj)

$3.06

Previous: $1.34+128.4%
Net Income

$2.47B

Previous: $2.86B-13.5%
Operating Income

$3.81B

Previous: $6.4B-40.4%
Total Assets

$2.66T

No prior period

Revenue & EPS history

Citi · Revenue · Quarterly

$19.9B

Q4 2025+1.5%vs Q4 2024
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Revenue by segment

Citi · $17.5B total across 5 segments · Q3 2023

  • U.S. Personal Banking
    $4.92B
  • Markets
    $4.75B
  • Services
    $4.64B
  • Wealth
    $1.83B
  • Banking
    $1.37B

Forward guidance

Management outlook in the 8-K covers operating priorities, capital allocation, and sector risks; numeric multi-quarter EPS bridges are limited.

Tailwinds

  • MD&A highlights strategic priorities and liquidity.
  • Segment or product trends support the core business narrative.

Headwinds

  • Macro, rates, or input costs may pressure near-term margins.
  • One-time items can affect year-over-year comparability.

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 2025

Historical avgQ4 2025

+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

Earnings price reactions
QuarterReport dateReaction (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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