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Citigroup

C · Financials

Last earnings Oct 13, 2026

Key results

With net incomequarter

45%

(NYSE: C) JULY 14, 2026 SECOND QUARTER 2026 RESULTS AND KEY METRICS CHAIR AND CEO COMMENTARY Citi Chair and CEO Jane Fraser said, With net income up 45%, this was Citi s best quarterly revenue in a decade with double-digit revenue growth for the firm and in four out of our five businesses.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Revenuequarter

30%

Services delivered its highest ever quarterly revenue and a return of over 30%.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

In Markets, strong results in FX and spread products also show how much clients rely on our global network while Equities showed continued momentum with revenues up 45%.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Banking revenuequarter

34%

Banking revenues climbed 34% and we played a role in the majority of the top equity and debt issuances.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Net incomequarter

45%

NET INCOME UP 45% RETURNED ~$5.0 BILLION IN THE FORM OF COMMON SHARE REPURCHASES AND COMMON DIVIDENDS PAYOUT RATIO OF 92% (3) COMMON EQUITY TIER 1 CAPITAL RATIO OF 12.8% (4) BOOK VALUE PER SHARE OF $114.74 TANGIBLE BOOK VALUE PER SHARE OF $100.89 (5) New York, July 14, 2026 Citigroup Inc.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

COMMON dividendquarter

92%

NET INCOME UP 45% RETURNED ~$5.0 BILLION IN THE FORM OF COMMON SHARE REPURCHASES AND COMMON DIVIDENDS PAYOUT RATIO OF 92% (3) COMMON EQUITY TIER 1 CAPITAL RATIO OF 12.8% (4) BOOK VALUE PER SHARE OF $114.74 TANGIBLE BOOK VALUE PER SHARE OF $100.89 (5) New York, July 14, 2026 Citigroup Inc.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

today reported net income for the second quarter 2026 of $5.8 billion, or $3.15 per diluted share, on revenues of $24.8 billion.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

This compares to net income of $4.0 billion, or $1.96 per diluted share, on revenues of $21.7 billion for the second quarter 2025.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Revenues increased 14% from the prior-year period, driven by growth in each of Citi s five interconnected businesses and Legacy Franchises in All Other , as well as the impact of foreign exchange translation, partially offset by a decline in Corporate/Other, also in All Other .

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

AI analysis

Q2 2026 · reported Jul 14, 2026

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Headline figures

MetricQ2 2026Prior qtrYear ago
With net income45%——
Revenue30%——
Banking revenue34%——
Net income45%——
COMMON dividend92%——

EX-99 · Jul 14, 2026

Guidance · company-stated

No guidance located in the held release

Outlook statement

“Citigroup net income was $5.2 billion in the third quarter 2026, compared to net income of $3.8 billion in the prior-year period on a reported basis, driven by higher revenues and lower expenses, partially offset by a higher provision for credit losses.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Banking revenue34%
Dividend12%
Net income45%
COMMON dividend92%
EPS$3.15

Banking revenues climbed 34% and we played a role in the majority of the top equity and debt issuances.

Company-stated claims

Aug 6, 2026

Historical · increased 276% · income

“2Q25 Net income of $350 million increased 276%.”

10-Q · Aug 6, 2026
General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

In Markets, strong results in FX and spread products also show how much clients rely on our global network while Equities showed continued momentum with revenues up 45%

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Banking revenues climbed 34% and we played a role in the majority of the top equity and debt issuances.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Our growing earnings generation will allow us to increase our planned dividend by 12% and we have launched our $30 billion buyback plan.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

NET INCOME UP 45% RETURNED ~$5.0 BILLION IN THE FORM OF COMMON SHARE REPURCHASES AND COMMON DIVIDENDS PAYOUT RATIO OF 92% (3) COMMON EQUITY TIER 1 CAPITAL RATIO OF 12.8% (4) BOOK VALUE PER SHARE OF $114.74 TANGIBLE BOOK VALUE PER SHARE OF $100.89 (5) New York, July 14, 2026 Citigroup Inc.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Earnings per share of $3.15 increased from $1.96 per diluted share in the prior-year period, reflecting higher net income and a lower share count due to share repurchases.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

(b) Includes provisions on Other Assets, policyholder benefits and claims and HTM debt securities.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

The increases were driven by net income and beneficial net movements in accumulated other comprehensive income (AOCI), partially offset by the payment of common and preferred dividends and reductions in additional paid-in capital (APIC).

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Strategy & priorities

The combination of our investments, disciplined execution and focus on clients is improving our returns and creating more durable results for our investors, Ms.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

20 BANKING Banking includes Investment Banking ( Debt Capital Markets (DCM), Equity Capital Markets (ECM) and Advisory sub-businesses) and Corporate Lending: Investment Banking supports clients capital-raising needs to help strengthen and grow their businesses, including equity and debt capital markets strategic financing solutions and loan syndication structuring, as well as advisory services related to mergers and acquisitions, divestitures, restructurings and corporate defense activities.

SEC original ↗Citigroup — 10-Q Quarterly report10-QAug 6, 2026

Risks & headwinds

Despite short-term headwinds from investments in our U.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

These statements are based on management s current expectations and are subject to uncertainty and changes in circumstances.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

These factors include, among others, macroeconomic, geopolitical and other challenges and uncertainties, including elevated inflation and conflicts in the Middle East; and the precautionary statements included in this release.

SEC original ↗Citigroup — Earnings release (8-K exhibit)EX-99Jul 14, 2026

Please see Risk Factors in Citi s 2025 Form 10-K for a discussion of material risks and uncertainties that could impact Citigroup s businesses, results of operations and financial condition.

SEC original ↗Citigroup — 10-Q Quarterly report10-QAug 6, 2026

Macroeconomic and Other Risks and Uncertainties Various macroeconomic , geopolitical and regulatory factors continue to contribute to challenges and uncertainties in the U.

SEC original ↗Citigroup — 10-Q Quarterly report10-QAug 6, 2026

These factors could result in volatility and disruptions in financial markets, as well as adversely affect economic growth and unemployment in the U.

SEC original ↗Citigroup — 10-Q Quarterly report10-QAug 6, 2026

Documents

Earnings deck slides

1 deck with slide view

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

22 documents

Earnings releases

30 documents

Presentations

1 document

Transcripts

0 documents

No transcripts for Citigroup are held in this edition of the library.

Mentioned by

7 companies

Other tracked companies whose held documents mention Citigroup by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.