Citigroup (C) Earnings: Q3 2026 Results and Next Report Date

The quarter ended September 30, 2026 and Citigroup published the results on October 13, 2026. Revenue and diluted EPS are shown against Q3 2025, the same quarter a year earlier, which takes seasonal swings out of the comparison. Citigroup reports EPS two ways: GAAP, under the accounting rules every US filer follows, and excluding notable item, which leaves out items the company considers outside its operating results. The release reconciles the two, and when they diverge, the reconciliation says why.

• Revenue on this page is the line Citigroup calls total revenues, net of interest expense ($23,845 million). Banking is shown including gains and losses on loan hedges, and All Other on Citigroup's managed basis, which leaves out divestiture-related impacts, so the six rows add up to $12 million less than the total.
• From January 1, 2026 Citigroup moved its Retail Banking business from the former U.S. Personal Banking segment into Wealth and put the remaining businesses into a new U.S. Consumer Cards segment, recasting earlier periods. Consolidated results did not change.
• The adjusted EPS line is Citigroup's figure excluding a notable item. Q3 2026 had none; Q3 2025 included a $726 million goodwill impairment ($714 million after tax) tied to the agreement to sell a 25% stake in Banamex.

Source: Citigroup Q3 2026 earnings release, October 13, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How Citigroup splits revenue in its own release, under its own labels, for Q3 2026 against Q3 2025. Indented lines are parts of the line above them.

• Citigroup's Services revenue was $6.6 billion in Q3 2026, up 15% from $5.7 billion in Q3 2025, 28% of total revenue.
• Citigroup's Markets revenue was $6.1 billion in Q3 2026, up 6% from $5.7 billion in Q3 2025, 26% of total revenue.
• Citigroup's Banking revenue was $1.7 billion in Q3 2026, up 6% from $1.6 billion in Q3 2025, 7% of total revenue.
• Citigroup's Wealth revenue was $3.3 billion in Q3 2026, up 15% from $2.8 billion in Q3 2025, 14% of total revenue.
• Citigroup's U.S. Consumer Cards revenue was $4.7 billion in Q3 2026, flat on $4.7 billion in Q3 2025, 20% of total revenue.
• Citigroup's All Other (managed basis) revenue was $1.4 billion in Q3 2026, down 3% from $1.5 billion in Q3 2025, 6% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

Citigroup's release gives a return target, not a revenue or EPS figure for the next quarter.

In its Q3 2026 release (Jane Fraser, Chair and CEO), Citigroup said:

“We expect to exceed this year's return target, even as we pull forward investments toward our 11-13% near-term goal”

Source: Citigroup Q3 2026 earnings release, Oct 13, 2026.

This is the company's own guidance as of Oct 13, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the C forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

Total revenues, net of interest expense, and GAAP diluted EPS, each as first reported in that quarter's earnings release. Q4 2025 included a $1.2 billion loss on the planned sale of AO Citibank in Russia, recorded in revenue; Q3 2025 included the $726 million Banamex goodwill impairment.

Citigroup's next report is scheduled for January 14, 2027. This page will show Q3 2026 until those results are out and have been checked against the release.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q3 2026 (this page), reported Oct 13, 2026

Citigroup reports revenue across five businesses plus All Other. In Q3 2026 Services brought in $6,614 million, Markets $6,113 million, U.S. Consumer Cards $4,664 million, Wealth $3,269 million and Banking $1,741 million, out of total revenues, net of interest expense, of $23,845 million, up 8%. Net interest income rose 14% while non-interest revenue fell 4%. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

Services was the largest contributor to growth, up 15%. Treasury and Trade Solutions revenues were $4,902 million, up 16%, on higher average deposit balances and spreads, with cross-border transaction value up 10%, commercial card spend volume up 10% and U.S. dollar clearing volume up 5%. Securities Services was $1,712 million, up 13%, helped by a 16% rise in assets under custody and administration. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

In Markets, Fixed Income markets revenues were $4,386 million, up 4%, and Equity markets $1,727 million, up 14%, driven by prime services with prime balances up over 40%. In Banking, Investment Banking revenues were $1,350 million, up 9%: equity underwriting rose 77% to $343 million while advisory fell 4% and debt underwriting 3%. Corporate Lending, excluding loan hedges, fell 16% to $382 million on lower loan spreads. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

Wealth revenues rose 15%, with Citigold and Retail Banking at $2,275 million, Private Bank $766 million and Wealth at Work $228 million, and client investment assets of $759 billion, up 15%. U.S. Consumer Cards revenues were unchanged at $4,664 million: net interest income rose 6% to $5,422 million, but non-interest revenue was negative $758 million on higher partner payment accruals and rewards costs. Card results include the American Airlines co-branded portfolio onboarded in Q2 2026. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

Citigroup's net interest margin was 2.43% in Q3 2026, against 2.40% a year earlier and 2.54% in Q2 2026, according to the 10-Q. Net interest income on a taxable equivalent basis was $17,009 million, against $14,967 million a year earlier. (Citigroup Form 10-Q, Q3 2026, Nov 5, 2026)

Citigroup's diluted EPS of $2.85 was up 53% on a reported basis from $1.86. The year-ago quarter included a notable item, a $726 million goodwill impairment ($714 million after tax) related to Citigroup's agreement to sell a 25% equity stake in Banamex. Excluding it, year-ago EPS was $2.24, so the increase on that basis was 27%. Q3 2026 carried no notable item, so reported and ex-notable EPS are the same. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

A lower share count added to EPS growth. Average diluted shares were 1,706.6 million, against 1,862.6 million a year earlier. Citigroup repurchased $3.0 billion of common shares in the quarter under its $30 billion program, with $23.0 billion remaining at September 30, 2026, and returned $4.1 billion in total including dividends of $0.67 per share, a payout ratio of 85%. (Citigroup Form 10-Q, Q3 2026, Nov 5, 2026; Citigroup Q3 2026 earnings release, Oct 13, 2026)

Operating expenses fell 2% to $13,952 million, helped by the absence of the impairment, and were up 3% excluding it. The provision for credit losses was $2,586 million, including $2,217 million of net credit losses and a net reserve build of $369 million. The effective tax rate was about 26%, against 29% a year earlier. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

Citigroup does not give a numeric revenue or EPS outlook for the next quarter in its release. Its stated targets are for returns: Chair and CEO Jane Fraser said Citigroup expects to exceed this year's return target while pulling forward investments toward an 11-13% near-term goal, on a path to sustainable returns of 14-15%. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

Q3 2026 RoTCE was 11.5%, against 8.0% a year earlier and 13.0% in Q2 2026. Citigroup notes that forward-looking RoTCE targets are non-GAAP measures it cannot reconcile to GAAP without unreasonable effort. (Citigroup Q3 2026 earnings release, Oct 13, 2026)

A consensus figure is the average of the models published by the analysts who cover Citigroup, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones Citigroup's own release and filings put weight on for Q3 2026, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning C is on is C a buy or a sell?, what analysts expect next is on the C forecast, and what the company does is on the Citigroup (C) stock page.

Every number on this page can be traced to a document Citigroup published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.