Citigroup Inc. (C) earnings date & stock reaction
C · Citigroup Inc. · Financials
“With revenues up 8% year-over-year, we delivered our best third quarter revenue in a decade, and we saw revenue growth in four out of our five businesses.”
“We expect to deliver an ROTCE above 11% for the full year, supported by NII ex-Markets growth in the mid to high 6% range.”
- ▲Broad-based revenue growth
- Services revenue increased 15% vs last year, showing strong momentum.
- Markets and Banking segments both delivered 6% revenue growth vs last year.
- ▲Meaningful improvement in profitability
- Firm-wide ROTCE improved by 180 bps vs last year, reaching 11.5% in the third quarter.
- Wealth segment ROTCE exceeded 14%, showing significant improvement vs last year.
- ▲Capital return and financial strength
- Returned over $4 billion to shareholders this quarter, including $3 billion in share buybacks.
- CET1 ratio stood at 12.8%, remaining 120 bps above the current regulatory minimum.
- ▼Stagnant growth in U.S. Consumer Cards
- U.S. Consumer Cards revenue was flat vs last year due to higher partner payments.
- Non-interest revenue (NIR) for the segment declined 62% vs last year, pressuring profitability.
- ▼Potential deceleration in Q4
- Markets revenue is expected to decline by 20% or more sequentially in Q4 due to seasonality.
- Full-year ROTCE guidance of above 11% implies a slight deceleration from the 11.5% achieved in Q3.
- ▼Rising expenses and credit costs
- Excluding notable items, total expenses rose 3% vs last year, highlighting ongoing cost management challenges.
- Cost of credit reached $2.6 billion, including a $369 million firm-wide net reserve build.
Price after the latest report
Citigroup Inc. (C) rose the day after earnings in 6 of its last 12 reports (50%), moving ±3.5% on average. It has fallen despite beating the consensus estimate 5 times.
Even when EPS beat expectations, the stock fell 5 of the last 11 times. The number alone doesn't move it.
When results drop, check the metric above vs last quarter and whether guidance beats expectations.
The real bar for this stock
Beating estimates isn't enough. Here's where the real surprise started.
How this stock reacts to earnings
Traits seen across its recent earnings reactions
Earnings number vs guidance: which drives it?
How often the beat/miss matched the actual price move
5/11 beats fell next day · watches Net interest margin · provisions · capital return
- Sep 2026 report-5.0%
- Jun 2026 report-5.3%
- Mar 2026 report+2.6%
- Dec 2025 report-3.3%
- Sep 2025 report+3.9%
- Jun 2025 report+3.7%
Earnings timeline · bars = next-day move, ▲▼ = beat/miss
Earnings trend · last 12 quarters
Earnings history and price reaction
| Quarter ended | Reported (ET) | vs market expectation (consensus) | Earnings day | After 5 days |
|---|---|---|---|---|
| 9/2026 | 2026-10-13 | +7.9% | -5.0% | — |
| 6/2026 | 2026-07-14 | +15.6% | -5.3% | -8.5% |
| 3/2026 | 2026-04-14 | +17.9% | +2.6% | +5.4% |
| 12/2025 | 2026-01-14 | -23.4% | -3.3% | -2.1% |
| 9/2025 | 2025-10-14 | +17.4% | +3.9% | +3.3% |
| 6/2025 | 2025-07-15 | +28.3% | +3.7% | +5.9% |
12 reports, quarters ending 12/2023 to 9/2026. The earnings-day move is the first trading day that reflects the report; the five-day figure is the cumulative move from that point.
Frequently asked questions
When is the next Citigroup Inc. earnings date?
The next Citigroup Inc. (C) earnings report is expected Thu, January 14 around 8:00 AM ET, before the open. It comes from an earnings calendar and may not be a company-confirmed date; it updates automatically if it changes.
Does Citigroup Inc. (C) stock usually go up after earnings?
Over the last 12 earnings reports, the stock rose on 6 of them (50%). The average move on earnings day was ±3.5%.
Does Citigroup Inc. react more to the earnings numbers or to guidance?
In 5 of the last 12 reports (42%), the stock moved the opposite way from whether it beat or missed the forecast. A high share means guidance and expectations drive the move more than the reported numbers.
Can Citigroup Inc. stock fall even when earnings are good?
Yes. In 3 of the last 12 reports, Citigroup Inc. fell on the earnings day despite growing EPS. Expectations already priced in, or guidance, can matter more than the reported numbers.
Does Citigroup Inc. stock keep moving after the earnings day?
Over the last 11 reports, the move continued in the same direction for the following five trading days 64% of the time. This tendency is known as post-earnings announcement drift.