For the quarter ended December 2025, Citigroup (C) reported revenue of $19.87 billion, up 1.5% over the same period last year. EPS came in at $1.81, compared to $1.34 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $20.94 billion, representing a surprise of -5.13%. The company has not delivered EPS surprise, with the consensus EPS estimate being $1.65.
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.
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): 2.5% versus 2.4% estimated by six analysts on average.
- Efficiency Ratio: 69.6% versus the six-analyst average estimate of 67.1%.
- Book value per common share: $110.01 versus $109.75 estimated by five analysts on average.
- Average balance - Total interest-earning assets: $2503.45 billion versus the five-analyst average estimate of $2456.06 billion.
- Markets Revenues, net of interest expense: $4.54 billion versus $4.5 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -0.7% change.
- Services Revenues- Total non-interest revenue: $1.89 billion versus $1.66 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +9.4% change.
- Revenue by component- Markets- Fixed Income markets- Fixed Income markets Total: $3.46 billion compared to the $3.36 billion average estimate based on two analysts. The reported number represents a change of -0.6% year over year.
- Wealth Revenues- Total non-interest revenue: $736 million compared to the $758.85 million average estimate based on two analysts. The reported number represents a change of -2.7% year over year.
- Markets Revenues- Total non-interest revenue: $1.7 billion compared to the $2.19 billion average estimate based on two analysts. The reported number represents a change of -37.5% year over year.
- Banking Revenues- Total non-interest revenue: $1.66 billion versus $1.39 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +130.7% change.
- US Personal Banking (USPB) Revenues- Total non-interest revenue: $-471 million versus $-397.92 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +89.2% change.
- Revenue by component- Markets- Equity Markets: $1.08 billion versus the two-analyst average estimate of $1.14 billion. The reported number represents a year-over-year change of -1.3%.
View all Key Company Metrics for Citigroup here>>>
Shares of Citigroup have returned +4.5% 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.
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Citigroup Inc. (C): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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