Citigroup's net interest income has rebuilt from $13.5B in 2024Q1 to $17.0B in 2026Q3, with 13.7% year-over-year growth in the latest quarter, and the efficiency ratio improved from 67.3% to 58.5%, suggesting genuine operating leverage.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income expanded from $13.5B to $17.0B over the period while the efficiency ratio improved from 67.3% to 58.5%, though volatile fee income (ranging from $4.2B to $8.6B per quarter) and steady $2.6B provisions keep quarterly earnings unstable.
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 11/7/2026, 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) |
|---|---|---|
Q4 2026Latest Oct 13, 2026 | $2.85+7.1% vs $2.66 | $23.8B+0.5% vs $23.7B |
Q3 2026 Jul 14, 2026 | $3.15+15.0% vs $2.74 | $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 |
ACR Alpine Capital Research LLC raised its holdings in shares of Citigroup Inc. (NYSE: C) by 2.2% in the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 2,120,671 shares of the company's stock after buying an additional 44,969 shares during
Associated Banc Corp bought a new position in shares of Citigroup Inc. (NYSE: C) in the third quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The fund bought 4,564 shares of the company's stock, valued at approximately $591,000. Other large investors have also recently
The 2026 U.S. midterm elections have reshaped Washington's political landscape, with Democrats securing control of both the House of Representatives and the Senate. The outcome introduces a divided government under President Donald Trump, potentially slowing the administration's financial deregulation agenda and increasing congressional scrutiny of the banking and financial services industry.
Aware Super Pty Ltd as trustee of Aware Super bought a new position in shares of Citigroup Inc. (NYSE: C) during the third quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The institutional investor bought 129,999 shares of the company's stock, valued at approximately $16,832,000.
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 |
|---|---|---|---|---|---|---|---|
| $119.08 | $204.21B | 17.04 | 5.11% | 16.74% | 6.74% | 2.42% | |
| $334.49 | $896.27B | 16.68 | 7.32% | 30.8% | 16.23% | 1.78% | |
| $49.42 | $350.71B | 12.94 | 11% | 30.93% | 10.46% | 2.56% | |
| $83.94 | $256.87B | 13.28 | 1.7% | 25.71% | 12.26% | 2.01% | |
| $865.82 | $260.7B | 16.87 | 8.92% | 41.38% | 15.55% | 1.92% | |
| $181.44 | $286.18B | 17.79 | 14.48% | 26.15% | 17.15% | 2.28% |
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% in fiscal year 2025, compared with the prior fiscal year.
Yes. Citigroup Inc. (C) earned $17.21B in net income over the trailing twelve months (a 19.1% net margin).
Yes. Citigroup Inc. (C) pays a dividend that yields 2.42% at the current price, a moderate yield.
Citigroup Inc. (C) had a return on equity (ROE) of 6.7% in fiscal year 2025. That is below the market's typical 10-15%.
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 64.7%. This is reasonable for a bank.
