CITIGROUP INC (C) Earnings History

5 quarters held3/3 transcripts analyzed0/25 figures attested
Connect your agent
PeriodRevenueYoYNet incomeEPS (dil.)Filed
Q2 2026$24.8B+14.3%$193.0M$3.15Aug 5, 2026
LATESTEarnings filing (8-K)10-QFiled Jul 14, 2026, 9:39 AM ET
Earnings call · Jul 14, 2026transcriptView originalprepared remarksQ&A
Q2 FY26YoY
Revenue$24.8B+14.3%
Net income$193.0M+1278.6%
Op income––
EPS (dil.)$3.15+60.7%
EPS (basic)––
Net margin23.6%+5.0pp

Guidance & outlook

Call guidance

Q2 2026
MetricValuePeriodSpecificityvs Prior
dividendincrease by 12%Q3 2026directionalNew
return_on_tangible_common_equity10% to 11%FY2026tight_rangeNew
efficiency_ratioaround 60%FY2026pointMaintained
net_credit_losses4.0% to 4.5%FY2026tight_rangeNew
return_on_tangible_common_equity10% to 11%FY2026tight_rangeNew
net_interest_income_excluding_markets5% to 6%FY2026tight_rangeNew
net_interest_income_excluding_marketsin-line with the second quarter's absolute levelQ3 2026directionalNew
net_interest_income_excluding_marketsin-line with the second quarter's absolute levelQ4 2026directionalNew
markets_revenuedecline approximately 20% between the first and second half of the yearFY2026directionalNew
return_on_tangible_common_equity11% to 13%FY2027tight_rangeNew
return_on_tangible_common_equity14% to 15%medium termtight_rangeNew
capital_freed_uparound $5 billionearly 2027pointNew
risk_weighted_assetsalmost $40 billionearly 2027pointNew
marketing_spendincreasingsecond half 2026directionalNew
investment_spendelevatedsecond half 2026directionalNew
investment_spendacceleratedsecond half 2026directionalNew
severance_expensesnot providing guidancesecond half 2026refusedNew

Special items & operational metrics

Operational metrics

Q2 2026
U.S. credit card spend volume ($B)
176
+11.0% YoY
Prior year: 159
billions
Commercial card spend volume ($B)
20
+12.0% YoY
Prior year: 18
billions
US dollar clearing volume (#MM)
46
+5.0% YoY
Prior year: 44
millions
New credit cards account acquisitions (in thousands)
5.4K
+65.0% YoY
Prior year: 3.3K
thousands
Average deposits ($B)
1.5K
+12.0% YoY
Prior year: 1.3K
billions
Assets under custody and/or administration (AUC/AUA) ($T)
35
+22.0% YoY
Prior year: 28
trillions
EOP loans ($B)
794
+9.0% YoY
Prior year: 725
billions
Average loans ($B)
785
+10.0% YoY
Prior year: 712
billions
Efficiency Ratio
57.4
Prior year: 62.7
%
EOP deposits ($B)
1.5K
+10.0% YoY
Prior year: 1.4K
billions
Cross border transaction value ($B)
115
+13.0% YoY
Prior year: 101
billions
Q1 2026$21.6B-12.3%$43.0M$3.06Apr 14, 2026
Earnings filing (8-K)10-QFiled Apr 14, 2026, 9:42 AM ET
Earnings call · Apr 14, 2026transcriptView originalprepared remarksQ&A
Q1 FY26YoY
Revenue$21.6B-12.3%
Net income$43.0M-71.9%
Op income––
EPS (dil.)$3.06+56.1%
EPS (basic)––
Net margin23.5%+4.7pp
Q4 2025$19.9B+2.0%$2.5B$1.19Jan 14, 2026
Earnings filing (8-K)10-KFiled Jan 14, 2026, 10:21 AM ET
Earnings call · Jan 14, 2026transcriptprepared remarksQ&A
Q4 FY25YoYFY25
Revenue$19.9B+2.0%$85.2B
Net income$2.5B-13.5%$14.3B
Op income–––
EPS (dil.)$1.19-11.2%–
EPS (basic)–––
Net margin12.4%-2.2pp
Q3 2025$22.1B+9.0%$3.8B$1.86Oct 14, 2025
Earnings filing (8-K)10-QFiled Oct 14, 2025, 10:08 AM ET
Q3 FY25YoY
Revenue$22.1B+9.0%
Net income$3.8B+16.0%
Op income––
EPS (dil.)$1.86+23.2%
EPS (basic)––
Net margin17.0%+1.0pp
Q2 2025$21.7B+8.0%$4.0B$1.96Jul 15, 2025
Earnings filing (8-K)10-Q
Q2 FY25YoY
Revenue$21.7B+8.0%
Net income$4.0B+25.0%
Op income––
EPS (dil.)$1.96+28.9%
EPS (basic)––

IR event calendar

This company's IR event calendar has not been harvested yet — an empty result here does NOT mean the company has no IR events.

Filing coverage

35 filings indexed · 468,535 XBRL facts
FilingDatePeriodSectionsTables
10-Q2026-08-06–31352
8-K2026-07-14Q2 202690
8-K2026-05-21–20
10-Q2026-05-07–34846
8-K2026-04-14Q1 202680
DEF 14A2026-04-02–120
10-K2026-02-20–531245
8-K2026-02-12–30
8-K2026-02-12–50
8-K2026-02-03–50

Showing the latest 10 of 35 — the full set is in the API.

Related Research

Research

Basel III Endgame: What 419 SEC Filings Reveal

Analysis

Apollo's Dual Flywheel Has a Hidden Single Point of Failure

Analysis

There's an Infrastructure Monopoly Hidden Inside BNY Mellon