Citigroup is currently navigating a complex multi-year infrastructure transformation that, while pressuring the efficiency ratio to 32.3%, is successfully driving a 12.3% growth in net interest income as of 2026Q1. The firm's aggressive capital return strategy...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth is accelerating with net interest income reaching $15.7 billion in 2026Q1, though the efficiency ratio remains elevated at 32.3% due to ongoing infrastructure investments.
Citigroup reported its best quarterly revenue in a decade for Q1 2026, achieving an efficiency ratio of 58% and a RoTCE of 13%, with FY 2026 EPS consensus estimates around $10.16.
The Investor Day on May 7, 2026, is expected to clarify profitability targets, potentially reaching 13-16% for RoTCE, boosting investor confidence.
The Services division's Q1 2026 revenue increased by 17%, marking the highest first quarter services revenue in a decade, contributing to a durable earnings profile.
Citigroup is undergoing a multi-year overhaul, and any execution misses or unforeseen costs could negatively impact stock performance.
Economic slowdowns or geopolitical tensions, such as the Middle East conflict, could disrupt banking activity and impact investment banking fees.
Ongoing regulatory pressures and potential fines from control failures could hinder strategic progress and increase costs.
Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 14, 2026 | $3.15+15.8% vs $2.72 | $24.8B+4.3% vs $23.7B |
Q2 2026 Apr 14, 2026 | $3.06+15.5% vs $2.65 | $24.6B+4.4% vs $23.6B |
Q1 2026 Jan 21, 2026 | $1.19-33.9% vs $1.80 | $19.9B-5.1% vs $20.9B |
Q1 2026 Jan 14, 2026 | $1.81+9.7% vs $1.65 | $19.9B-5.1% vs $20.9B |
Goldman Sachs and Morgan Stanley each generated $100 million in fees from the SpaceX IPO, according to reports. Both companies had blowout earnings in Q2 with record revenue.
Citi has launched Mastercard's subscription management capability, Smart Subscriptions, in the United Arab Emirates (UAE), Mastercard said in a Thursday (Sept. 17) press release.
JPM, BAC, C, WFC and KEY face mixed earnings effects as the Fed's first rate hike in three years raises NII potential but pressures deposits.
NEW YORK--(BUSINESS WIRE)--Citibank, N.A. said today it has raised its base lending rate to 7.00% from 6.75%, effective tomorrow, Thursday, September 17, 2026.
Benchmark C against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Citigroup Inc. (C)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $132.47 | $227.17B | 18.95 | 5.11% | 8.48% | 6.74% | 2.18% | |
| $340.00 | $911.03B | 16.96 | 7.32% | 20.66% | 16.32% | — | |
| $56.20 | $398.83B | 14.71 | 11% | 18.13% | 10.5% | — | |
| $83.15 | $254.45B | 13.16 | 1.7% | 17.29% | 11.92% | — | |
| $949.49 | $292.44B | 18.50 | 8.92% | 16.31% | 14.33% | — | |
| $200.21 | $315.79B | 19.63 | 14.48% | 15.13% | 16.22% | — |
Citigroup Inc. (C) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Citigroup Inc. (C) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 14, 2026·SEC
Apr 14, 2026·SEC
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Citigroup Inc. (C) stock FAQ — growth, dividends, profitability & financials explained
Citigroup Inc. (C) grew revenue by 5.1% over the past year. This is steady growth.
Yes, Citigroup Inc. (C) is profitable, generating $15.99B in net income for fiscal year 2025 (8.5% net margin).
Yes, Citigroup Inc. (C) pays a dividend with a yield of 2.18%. This makes it attractive for income-focused investors.
Citigroup Inc. (C) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.
Citigroup Inc. (C) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.
Citigroup Inc. (C) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.
