OpenNashEarnings

Banking · NYSE: C

Citigroup earnings: results, call transcripts & KPI history

2 quarters · fiscal year ends December · next results expected around 13 Jan 2027

Investor relations ↗SEC filings ↗KPIs as CSV

Latest: Q3 2026

Citigroup reported third quarter 2026 net income of $5.2 billion, or $2.85 per diluted share, on revenues of $23.8 billion.

Citi earned $5.2 billion, or $2.85 per diluted share, on revenues of $23.8 billion, up 8% from a year ago. Services, Wealth, Markets and Banking all grew, and expenses fell 2% as last year's goodwill charge dropped out. Excluding that charge, expenses rose 3%. Citi returned $4.1 billion to shareholders and ended with a 12.8% capital ratio. U.S. credit cards were flat on revenue, and their net income fell 8%.

Read the Q3 2026 summary →Official transcript (PDF) ↗

Quarters

KPI history

Revenue$19.9B+2.1% y/yQ4 2025
Q1 2024: $21.0BQ1 ’24$21.0BQ2 2024: $20.0BQ2 ’24$20.0BQ3 2024: $20.2BQ3 ’24$20.2BQ4 2024: $19.5B (worked out from the annual figure)Q4 ’24$19.5BQ1 2025: $21.6BQ1 ’25$21.6BQ2 2025: $21.7BQ2 ’25$21.7BQ3 2025: $22.1BQ3 ’25$22.1BQ4 2025: $19.9B (worked out from the annual figure)Q4 ’25$19.9B

Fourth quarter worked out from the annual figure.

Data
Q1 2024$21.0B
Q2 2024$20.0B
Q3 2024$20.2B
Q4 2024$19.5B *
Q1 2025$21.6B
Q2 2025$21.7B
Q3 2025$22.1B
Q4 2025$19.9B *
Diluted EPS (GAAP)$1.86+23.2% y/yQ3 2025
Q1 2024: $1.58Q1 ’24$1.58Q2 2024: $1.52Q2 ’24$1.52Q3 2024: $1.51Q3 ’24$1.51Q1 2025: $1.96Q1 ’25$1.96Q2 2025: $1.96Q2 ’25$1.96Q3 2025: $1.86Q3 ’25$1.86
Data
Q1 2024$1.58
Q2 2024$1.52
Q3 2024$1.51
Q1 2025$1.96
Q2 2025$1.96
Q3 2025$1.86

Fourth-quarter EPS appears once the press release is read; filings report it only for the full year.

Free cash flow$24.9B+7.9% y/yQ4 2025
Q1 2024: -$12.4BQ1 ’24-$12.4BQ2 2024: -$18.6BQ2 ’24-$18.6BQ3 2024: -$18.2BQ3 ’24-$18.2BQ4 2024: $23.1BQ4 ’24$23.1BQ1 2025: -$60.2BQ1 ’25-$60.2BQ2 2025: -$38.3BQ2 ’25-$38.3BQ3 2025: -$517.0MQ3 ’25-$517.0MQ4 2025: $24.9BQ4 ’25$24.9B
Data
Q1 2024-$12.4B
Q2 2024-$18.6B
Q3 2024-$18.2B
Q4 2024$23.1B
Q1 2025-$60.2B
Q2 2025-$38.3B
Q3 2025-$517.0M
Q4 2025$24.9B

Operating cash flow minus capital expenditure, from cash flow statements.

Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025
Revenue$21.0B$20.0B$20.2B$19.5Bd$21.6B$21.7B$22.1B$19.9Bd
Net income$3.4B$3.2B$3.2B$2.9Bd$4.1B$4.0B$3.8B$2.5Bd
Diluted EPS$1.58$1.52$1.51—$1.96$1.96$1.86—
Operating cash flow-$10.8B-$17.0Bd-$16.7Bd$24.8Bd-$58.7B-$36.6Bd$1.1Bd$26.6Bd
Capital expenditure$1.6B$1.6Bd$1.6Bd$1.7Bd$1.5B$1.8Bd$1.6Bd$1.6Bd
Free cash flow-$12.4B-$18.6B-$18.2B$23.1B-$60.2B-$38.3B-$517.0M$24.9B

From XBRL data in 10-Q and 10-K filings. d derived: a fourth quarter is the full year minus the first nine months, and cash flows are year-to-date figures differenced.

10-Q and 10-K filings