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Citigroup C Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$19.9BMiss by $1.1B
EPS$1.19Miss by $0.61
Revenue estimate$20.9B
EPS estimate$1.80

Next report

Oct 13, 2026 (In 1 week)
Revenue estimate$23.7B
EPS estimate$2.66

Financials

Q4 2025

Income statement

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Revenue$19.9B+2.1%
Net income$2.5B-13.5%
EPS (diluted)$1.21-9.0%

Balance sheet

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Cash & equivalents$349.58B+26.4%
Total debt$376.87B+9.6%
Total equity$212.29B+1.8%
Total assets$2.66T+12.9%

Cash flow

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CapEx$1.6B-3.4%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$208.79B+56.8%
Enterprise value$236.08B+17.8%
P/E14.6×+4.1×
P/S2.4×+0.8×

Profitability

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Net margin16.8%+1.1pp

Returns & leverage

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Return on equity6.8%+0.7pp
Debt / equity1.8×+0.1×

Segments

By segment

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Services$5.9B+15.0%
USCC$5.3B+2.8%
Banking$2.2B+78.1%
Wealth$2.1B+7.0%

FAQ

When did Citigroup report Q4 2025 earnings?
Citigroup (C) reported Q4 2025 earnings on January 21, 2026 before market open.
What were Citigroup's Q4 2025 revenue and EPS?
Citigroup reported revenue of $19.9B and eps of $1.19 for Q4 2025.
Did Citigroup beat estimates in Q4 2025?
Revenue missed the consensus estimate of $20.9B by $1.1B. EPS missed the consensus estimate of $1.80 by $0.61.
How did Citigroup's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 1.5% from $19.6B a year earlier and eps declined 11.2% from $1.34.
Where can I find Citigroup's Q4 2025 SEC filings?
You can read the 10-K periodic report (0000831001-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.