For the quarter ended June 2025, Citigroup (C) reported revenue of $21.67 billion, up 7.6% over the same period last year. EPS came in at $1.96, compared to $1.52 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $20.98 billion, representing a surprise of +3.26%. The company delivered an EPS surprise of +21.74%, with the consensus EPS estimate being $1.61.
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:
- Net Interest Margin (FTE): 2.5% versus the six-analyst average estimate of 2.5%.
- Efficiency Ratio: 62.7% compared to the 64.9% average estimate based on six analysts.
- Book value per common share: $106.94 versus the five-analyst average estimate of $105.47.
- Average balance - Total interest-earning assets: $2425.33 billion versus the five-analyst average estimate of $2322.08 billion.
- Markets Revenues, net of interest expense: $5.88 billion compared to the $5.37 billion average estimate based on two analysts. The reported number represents a change of +15.6% year over year.
- Services Revenues- Total non-interest revenue: $1.43 billion versus $1.51 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -1.6% change.
- Revenue by component- Markets- Fixed Income markets- Fixed Income markets Total: $4.27 billion versus the two-analyst average estimate of $3.91 billion. The reported number represents a year-over-year change of +19.8%.
- Wealth Revenues- Total non-interest revenue: $888 million versus the two-analyst average estimate of $807.28 million. The reported number represents a year-over-year change of +15.8%.
- Markets Revenues- Total non-interest revenue: $2.98 billion versus the two-analyst average estimate of $3.24 billion. The reported number represents a year-over-year change of -2.3%.
- Banking Revenues- Total non-interest revenue: $1.39 billion versus $1.09 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +26.5% change.
- US Personal Banking (USPB) Revenues- Total non-interest revenue: $-352 million compared to the $-252.32 million average estimate based on two analysts. The reported number represents a change of +91.3% year over year.
- Revenue by component- Markets- Equity Markets: $1.61 billion versus the two-analyst average estimate of $1.45 billion. The reported number represents a year-over-year change of +5.9%.
View all Key Company Metrics for Citigroup here>>>
Shares of Citigroup have returned +12.1% over the past month versus the Zacks S&P 500 composite's +5% 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.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Citigroup Inc. (C): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
