For the quarter ended September 2026, Citigroup (C Quick QuoteC - Free Report) reported revenue of $23.85 billion, up 7.9% over the same period last year. EPS came in at $2.85, compared to $2.24 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $23.66 billion, representing a surprise of +0.78%. The company delivered an EPS surprise of +7.14%, with the consensus EPS estimate being $2.66.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Citigroup performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin (FTE): 2.4% versus the four-analyst average estimate of 2.4%.
• Average balance - Total interest-earning assets: $2472.07 billion compared to the $2704.26 billion average estimate based on four analysts.
• Book value per common share: $115.61 compared to the $115.47 average estimate based on four analysts.
• Efficiency Ratio: 58.5% versus the four-analyst average estimate of 61%.
• Total non-accrual loans: $3.25 billion versus $3.72 billion estimated by three analysts on average.
• Supplementary Leverage Ratio: 5% versus the three-analyst average estimate of 5.1%.
• Corporate non-accrual loans- Total: $1.73 billion versus the two-analyst average estimate of $1.9 billion.
• Consumer non-accrual loans- Total: $1.52 billion versus $1.58 billion estimated by two analysts on average.
• Tier 1 Capital Ratio: 14.6% compared to the 14.4% average estimate based on two analysts.
• Revenue by component- Markets- Fixed Income markets- Fixed Income markets Total: $4.39 billion versus the two-analyst average estimate of $4.34 billion. The reported number represents a year-over-year change of +9%.
• Markets Revenues, net of interest expense: $6.11 billion versus the two-analyst average estimate of $6.07 billion. The reported number represents a year-over-year change of +9.9%.
• Revenue by component- Markets- Equity Markets: $1.73 billion versus the two-analyst average estimate of $1.73 billion. The reported number represents a year-over-year change of +12.1%.

View all Key Company Metrics for Citigroup here>>>

Shares of Citigroup have returned -3.1% over the past month versus the Zacks S&P 500 composite's +2.1% 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.