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Citigroup Q3 2026 · Story

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CQ3 20261/5

Estimate vs Actual

Earnings per Share

Estimate
$2.71
Actual
$2.85

+5.1% vs Estimate

Revenue

Estimate
$24.2 B
Actual
$23.8 B

−1.4% vs Estimate

CQ3 20262/5

Guidance

Full-Year NII (Ex-Markets)

Company Guidance
6.5% – 6.9%

Raised · Midpoint Up 1.2 Points ▲ · Prior 5-6%

Full-Year RoTCE

Company Guidance
11%

Raised · 0.5 Points Above Prior Midpoint ▲

Full-Year Efficiency Ratio

Company Guidance
60%

Tightened · Prior ~60% ▲

CQ3 20264/5

In 30 Seconds

Revenue of $23.85 billion beat expectations by 0.5%, and EPS of $2.85 beat by 7.1%.

  • The full-year RoTCE target moved from 10-11% to above 11%, and NII ex-Markets growth from 5-6% to the mid-to-high 6% range.
  • The stock closed down 5.6% at $124.53 as the sequential slowdown and a fourth-quarter Markets warning overshadowed the beat.

First point of the analysis's “In 30 Seconds”.

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