For the quarter ended June 2026, Citigroup (C) reported revenue of $24.77 billion, up 14.3% over the same period last year. EPS came in at $3.15, compared to $1.96 in the year-ago quarter.
The reported revenue represents a surprise of +4.59% over the Zacks Consensus Estimate of $23.68 billion. With the consensus EPS estimate being $2.72, the EPS surprise was +15.81%.
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:
Efficiency Ratio: 57.4% versus the four-analyst average estimate of 60%. Average balance - Total interest-earning assets: $2711.33 billion compared to the $2594.74 billion average estimate based on four analysts. Book value per common share: $114.74 versus the four-analyst average estimate of $115.15. Net Interest Margin (FTE): 2.5% compared to the 2.5% average estimate based on four analysts. Supplementary Leverage Ratio: 5.2% compared to the 5.3% average estimate based on three analysts. Total non-accrual loans: $3.23 billion compared to the $3.73 billion average estimate based on three analysts. Revenue by component- Markets- Fixed Income markets- Fixed Income markets Total: $4.71 billion versus the two-analyst average estimate of $4.56 billion. The reported number represents a year-over-year change of +10.3%. Revenue by component- Markets- Equity Markets: $2.3 billion versus $1.72 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +42.8% change. U.S. Consumer Cards (USCC)- Total revenues, net of interest expense: $4.52 billion versus the two-analyst average estimate of $4.66 billion. The reported number represents a year-over-year change of -11.7%. U.S. Consumer Cards (USCC) Revenues- Total non-interest revenue: $-659 million compared to the $-519.81 million average estimate based on two analysts. The reported number represents a change of +87.2% year over year. Markets Revenues, net of interest expense: $7.01 billion versus $6.28 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +19.2% change. U.S. Consumer Cards (USCC) Revenues- Net interest income: $5.18 billion compared to the $5.18 billion average estimate based on two analysts. The reported number represents a change of -5.3% year over year.View all Key Company Metrics for Citigroup here>>>
Shares of Citigroup have returned -0.4% over the past month versus the Zacks S&P 500 composite's +1.3% 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.
(We are reissuing this article to correct a mistake. The original article, issued on July 14, 2026, should no longer be relied upon.)
Radical New Technology Could Hand Investors Huge Gains
Quantum Computing is the next technological revolution, and it could be even more advanced than AI.
While some believed the technology was years away, it is already present and moving fast. Large hyperscalers, such as Microsoft, Google, Amazon, Oracle, and even Meta and Tesla, are scrambling to integrate quantum computing into their infrastructure.
Senior Stock Strategist Kevin Cook reveals 7 carefully selected stocks poised to dominate the quantum computing landscape in his report, Beyond AI: The Quantum Leap in Computing Power .
Kevin was among the early experts who recognized NVIDIA's enormous potential back in 2016. Now, he has keyed in on what could be "the next big thing" in quantum computing supremacy. Today, you have a rare chance to position your portfolio at the forefront of this opportunity.
See Top Quantum Stocks Now >>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 Report
This article originally published on Zacks Investment Research (zacks.com).