Citigroup Inc
C
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+ FollowMarket Cap$231.49B
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Earnings Call Q2 2026
July 14, 2026 - AI Summary
Strong results / momentum (best revenue in a decade)
- Q2’26: Net income $5.8B, EPS $3.15, ROTCE 13% on $24.8B revenues, delivering over 9% positive operating leverage and ~14% YoY total revenue growth.
- Efficiency improved: expenses up 5% while revenues rose 14% → efficiency ratio <58%; ~500 bps operating efficiency improvement vs prior baseline.
- Firmwide theme: “real alpha” (not just benefiting from industry tailwinds), with discipline in capital/expenses while still investing.
Business strength led by Services, Markets, and Banking/IB
- Services: revenues +18%, ROTCE ~30.9%; cross-border transaction value +13%, deposits +19%, AUC/AUDA +22%.
- Markets: revenues +17% with momentum; Equities +45% (prime balances +~60%); Fixed income +7% (spreads/other fixed income +25%; rates modest +1% due to offsetting rates weakness).
- Banking: revenues +34%, Investment banking +44% (notably DCM +65% and ECM +92%); M&A down ~4% but pipeline described as healthy.
Capital return and capital position (shareholder-friendly actions)
- CET1 12.8%, about 120 bps above the regulatory minimum; management targets ~12.6% CET1 under existing rules.
- Dividend: plans to increase quarterly common dividend by 12% starting Q3’26 (board approval required).
- Buybacks: $30B repurchase authorization/commitment; $4B bought back in the quarter.
- Stress testing / resilience: DFAST/implied SEV improved to 3.3% (from 3.6% SEV), 3rd consecutive year reduction.
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$-76.69
155.3% downside
Current Fair Value
155.3% downsideOvervalued by 155.3% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $231.49 Billion |
|---|---|
| Enterprise Value | $267.80 Billion |
| Dividend Yield | $2.40 (1.83%) |
| Earnings per Share | $7.23 |
| Beta | 1.09 |
| Outstanding Shares | 1,700,900,000 |
Return
| Return on Equity | 8.40% |
|---|---|
| Return on Assets | 0.61% |
| Return on Invested Capital | 3.99% |
Valuation & Multiples
| P/E Ratio | 14.31 |
|---|---|
| PEG | 31.75 |
| Price to Sales | 1.54 |
| Price to Book Ratio | 1.1 |
| Enterprise Value to Revenue | 1.74 |
| Enterprise Value to EBIT | 10.84 |
| Enterprise Value to Net Income | 15 |
| Total Debt to Enterprise | 1.5 |
| Debt to Equity | 1.9 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
July 21, 2026
EPS Estimate
$2.53
Average shareholder expectationRevenue Estimate
$23.03 B
Average shareholder expectationNext Earnings Call
Expected Date
October 13, 2026
EPS Estimate
$2.68
Average shareholder expectationRevenue Estimate
$23.75 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.9434▼ 19.38% |
|---|---|
| Total Calls | 2,036,000▼ 94.91% |
| Total Puts | 1,920,700▼ 95.78% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 26.12%▼ 46.88% |
|---|---|
| Total Invested | $63.30B▼ 57.91% |
| Investors Holding | 1,674▼ 906.00% |
ESG Score
No data
About Citigroup Inc
210,153 employees
CEO: Michael Corbat Citigroup Inc. or citi is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers G...