Citigroup Inc. · C · Next earnings

Citigroup Inc. reports Thursday, Jan 14, 2027

C reports before market open with consensus EPS at $2.34 and revenue at $22.91B. Last quarter: Citi lifts ROTCE outlook after strong Q3, keeps investing

Reports Before market open70 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $2.34 Calendar consensus
Consensus revenue $22.91B Calendar consensus
Report date Jan 14, 2027 Thursday, date estimated
Session Before market open 70 days away

Where C left off: FY2026 Q3

Full report

Citi lifts ROTCE outlook after strong Q3, keeps investing

EPS surprise +7.5% Reported $2.85 vs $2.65
Revenue surprise +0.5% Reported $23.84B vs $23.72B
Stock move -5.6% Event window
Subsequent drift 0.0% Up to 20 sessions

Management raised full-year ROTCE guidance to above 11%, while targeting 11–13% ROTCE in 2027–2028 and 14–15% over the longer term.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Seasonal slowdown in Markets revenue during Q4
  • Higher energy prices, tighter monetary policy and potential credit losses
  • Basel III and G-SIB capital-rule changes
  • AI-related cybersecurity risks

Questions analysts left open

  • How ROTCE develops into Q4 and FY2026
  • The capital glide path toward 13.1% CET1 by 2028
  • Rate sensitivity of net interest income and loan-deposit spreads
  • The earnings and capital impact of Banamex deconsolidation

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Recent C quarters

All C earnings
-5.6%FY2026 Q3-5.3%FY2026 Q2+2.6%FY2026 Q1-0.8%FY2025 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

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.