Highlights

  • Citigroup reported a Q4 profit of USD 2.47 Bln, lower than last year’s USD 2.85 Bln.
  • Adjusted EPS of USD 1.81 beat analyst expectations of USD 1.62 per share.
  • Revenue increased 2.1% year-on-year to USD 19.87 Bln in the fourth quarter.

Citigroup Inc. (NYSE:C) announced its financial results for the fourth quarter, showing a decline in net profit compared with the same period last year. The bank posted a GAAP net income of USD 2.47 Bln, equivalent to USD 1.19 per share, down from USD 2.85 Bln, or USD 1.34 per share, recorded in Q4 of 2025. Despite the drop in net income, the company surpassed analysts’ estimates for earnings per share. On an adjusted basis, Citigroup reported USD 3.59 Bln in earnings, or USD 1.81 per share, exceeding the average analyst expectation of USD 1.62 per share. Analysts’ estimates typically exclude one-time or special items.

Revenue Shows Moderate Growth
Citigroup’s revenue for the quarter increased 2.1% to USD 19.87 Bln, up from USD 19.46 Bln in the prior year. The growth in revenue highlights modest expansion across the company’s operations despite the lower net profit.

Earnings Breakdown (GAAP)
The company’s GAAP earnings for Q4 stood at USD 2.47 Bln, down from USD 2.85 Bln last year. EPS declined to USD 1.19 from USD 1.34, while revenue rose slightly to USD 19.87 Bln from USD 19.46 Bln. These figures illustrate the contrast between revenue growth and the decline in net income.

Market Reaction
Following the earnings release, Citigroup’s results are likely to attract attention from investors monitoring the bank’s financial performance. The report reflects a situation where revenue showed modest gains, but net profit and GAAP EPS fell compared with the prior year.

Share Performance
Citigroup shares closed at USD 112.41, down 3.34% on 14 Jan.