Citigroup Inc
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+ FollowMarket Cap$208.51B
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Earnings Call Q3 2026
October 13, 2026 - AI Summary
Top-line / profitability strength (good + some surprise): Q3 delivered net income $5.2B, EPS $2.85, ROTCE 11.5%, and revenues $23.8B (+8% YoY)—described as best Q3 revenue in a decade. Net income +17% YoY and positive operating leverage (despite cost actions), with expense growth held to ~3% YoY excluding a prior-year notable item. Firm ROTC/ROTC improvement was +180 bps vs last year (services/banking/wealth/US consumer cards all noted as improving).
Business momentum by segment (opportunities):
- Services: Revenues +15% YoY, NII +17%, NIR +12%, AUC/AUA-style custody assets up 16%; net income $2.6B, ROTCE 31.2%—strong deposit and cross-border/trade loan momentum.
- Markets: Revenues +6% YoY, equities +14% (prime services; balances +40%), FICC +4% (FX/spread products up); net income $1.7B, ROTCE 12.3%.
- Banking: Revenues +6%, strong ECM growth (+77%) including major mandates (e.g., SK Hynix, and $11B high-yield leading).
- Wealth: Revenues +15%, ROTCE >14%, $38B net new investment assets in the quarter (~100%+ YoY increase).
US Consumer Cards (mixed): Revenues flat YoY due to partner/payment dynamics, with NII +6% but NIR -62% (partner payment accruals + reward costs). Still, growth in general purpose cards: spend volume +13% and average loans +9%. Cost of credit high but manageable: ~$1.9B total (incl. net credit losses $1.7B; reserve build $28M). USCC net income $851M, ROTCE 21.8%—returns strong even with revenue headwinds.
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$-76.69
161.5% downside
Current Fair Value
161.5% downsideOvervalued by 161.5% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $208.51 Billion |
|---|---|
| Enterprise Value | $671.14 Billion |
| Annual dividend | $2.47 |
| Dividend yield | 2.01% |
| Earnings per Share | $7.23 |
| Beta | 1.11 |
| Outstanding Shares | 1,671,400,000 |
Return
| Return on Equity | 9.21% |
|---|---|
| Return on Assets | 0.66% |
| Return on Invested Capital | 4.22% |
Valuation & Multiples
| P/E Ratio | 11.75 |
|---|---|
| PEG | 29.52 |
| Price to Sales | 1.58 |
| Price to Book Ratio | 0.99 |
| Enterprise Value to Revenue | 5.02 |
| Enterprise Value to EBIT | 25.17 |
| Enterprise Value to Net Income | 34 |
| Total Debt to Enterprise | 1.22 |
| Debt to Equity | 3.9 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 13, 2026
EPS Estimate
$2.66
Consensus analyst estimateRevenue Estimate
$23.74 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 13, 2027
EPS Estimate
$2.33
Consensus analyst estimateRevenue Estimate
$23.06 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.28, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.2784▼ 87.39% |
|---|---|
| Total Calls | 557,900▼ 98.50% |
| Total Puts | 155,300▼ 99.64% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 4.48%▼ 73.23% |
|---|---|
| Total Invested | $9.84B▼ 94.79% |
| Investors Holding | 1,079▼ 1697.00% |
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...