Citigroup Inc. · C · Next earnings

Citigroup Inc. reports Tuesday, Oct 13, 2026

C reports before market open with consensus EPS at $2.68 and revenue at $23.74B. Last quarter: Citigroup Posts Decade-High Revenue, EPS Beat by 15%, but Shares Drop 5.6%

Reports Before market open23 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $2.68 Calendar consensus
Consensus revenue $23.74B Calendar consensus
Report date Oct 13, 2026 Tuesday, date estimated
Session Before market open 23 days away

Where C left off: FY2026 Q2

Full report

Citigroup Posts Decade-High Revenue, EPS Beat by 15%, but Shares Drop 5.6%

EPS surprise +15.0% Reported $3.15 vs $2.74
Revenue surprise +4.3% Reported $24.77B vs $23.74B
Stock move -5.3% Event window
Subsequent drift -0.1% Up to 20 sessions

Management maintained its full-year guidance, including the 10–11% ROTCE target and 5–6% NII growth ex-Markets. The guidance was unchanged from Q1. However, analysts flagged that the ROTCE target may be conservative given H1's 13%+ outturn, and raised concerns about H2 Markets seasonality (historically a ~20% revenue decline from H1) and potential expense growth outpacing revenue in the second half.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Geopolitical tension and slower growth in Europe could pressure international revenue
  • Markets seasonality: H2 revenue historically drops ~20% from H1 levels
  • Credit quality pressures in US consumer cards despite current resilience
  • Regulatory remediation (consent order) and uncertainty around timing of its closure
  • Potential expense growth outpacing revenue in H2 as organic investments accelerate

Questions analysts left open

  • Conservatism of ROTCE guidance for H2 versus H1 performance
  • Potential expense growth outpacing revenue in the second half
  • Amount of severance and structural efficiency actions to be taken in H2
  • Capital buffer flexibility and impact of upcoming Basel/G-SIB rule changes

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Recent C quarters

All C earnings
-5.3%FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.