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Compared to Estimates, Citigroup (C) Q2 Earnings: A Look at Key Metrics (Revised)
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For the quarter ended June 2026, Citigroup (C - Free Report) reported revenue of $24.77 billion, up 14.3% over the same period last year. EPS came in at $3.15, compared to $1.96 in the year-ago quarter.
The reported revenue represents a surprise of +4.59% over the Zacks Consensus Estimate of $23.68 billion. With the consensus EPS estimate being $2.72, the EPS surprise was +15.81%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Citigroup performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 57.4% versus the four-analyst average estimate of 60%.
Average balance - Total interest-earning assets: $2711.33 billion compared to the $2594.74 billion average estimate based on four analysts.
Book value per common share: $114.74 versus the four-analyst average estimate of $115.15.
Net Interest Margin (FTE): 2.5% compared to the 2.5% average estimate based on four analysts.
Supplementary Leverage Ratio: 5.2% compared to the 5.3% average estimate based on three analysts.
Total non-accrual loans: $3.23 billion compared to the $3.73 billion average estimate based on three analysts.
Revenue by component- Markets- Fixed Income markets- Fixed Income markets Total: $4.71 billion versus the two-analyst average estimate of $4.56 billion. The reported number represents a year-over-year change of +10.3%.
Revenue by component- Markets- Equity Markets: $2.3 billion versus $1.72 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +42.8% change.
U.S. Consumer Cards (USCC)- Total revenues, net of interest expense: $4.52 billion versus the two-analyst average estimate of $4.66 billion. The reported number represents a year-over-year change of -11.7%.
U.S. Consumer Cards (USCC) Revenues- Total non-interest revenue: $-659 million compared to the $-519.81 million average estimate based on two analysts. The reported number represents a change of +87.2% year over year.
Markets Revenues, net of interest expense: $7.01 billion versus $6.28 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +19.2% change.
U.S. Consumer Cards (USCC) Revenues- Net interest income: $5.18 billion compared to the $5.18 billion average estimate based on two analysts. The reported number represents a change of -5.3% year over year.
Shares of Citigroup have returned -0.4% over the past month versus the Zacks S&P 500 composite's +1.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
(We are reissuing this article to correct a mistake. The original article, issued on July 14, 2026, should no longer be relied upon.)
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Compared to Estimates, Citigroup (C) Q2 Earnings: A Look at Key Metrics (Revised)
For the quarter ended June 2026, Citigroup (C - Free Report) reported revenue of $24.77 billion, up 14.3% over the same period last year. EPS came in at $3.15, compared to $1.96 in the year-ago quarter.
The reported revenue represents a surprise of +4.59% over the Zacks Consensus Estimate of $23.68 billion. With the consensus EPS estimate being $2.72, the EPS surprise was +15.81%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Citigroup performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
View all Key Company Metrics for Citigroup here>>>
Shares of Citigroup have returned -0.4% over the past month versus the Zacks S&P 500 composite's +1.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
(We are reissuing this article to correct a mistake. The original article, issued on July 14, 2026, should no longer be relied upon.)