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How Citigroup (C) makes money: Q2 2026 revenue breakdown
US GAAP · $M · vs Q2 2025 · reported 07/14/2026
Citigroup Inc. or Citi is an American multinational investment bank and financial services company based in New York City. · Wikipedia
More about the company
The company was formed in 1998 by the merger of Citicorp, the bank holding company for Citibank, and Travelers; Travelers was spun off from the company in 2002.
Key growth driver: Markets — the fastest-growing revenue line: $7,007, +17% y/y. · by the Q2 2026 report
How does Citigroup make money?
Citigroup brought in $24.8 billion of revenue in Q2 2026, up 14% year over year. The largest source was Markets: $7.01 billion, or 28% of the total, followed by Services ($6.38B, 26%) and USCC ($4.52B, 18%); other lines add the remaining 28%. Net income for the quarter was $5.83 billion, up 45% year over year.
Revenue by source, Q2 2026
- Markets$7.01B · 28% · +17%
- Services$6.38B · 26% · +18%
- USCC$4.52B · 18% · +1%
- Wealth$3.18B · 13% · +13%
- Banking$1.92B · 8% · +34%
- All Other$1.76B · 7% · +2%
Shares of $24.8B total revenue; changes are year over year, as reported. ≈ marks lines derived from disclosed totals. The same flows are drawn in the Sankey chart below.
When is C’s next earnings date?
Tuesday, October 13, 2026confirmed · before market open
Citigroup (C) is scheduled to report results for the quarter ending Sep 2026 on Oct 13, 2026. Consensus EPS forecast: $2.70 (7 analysts), vs $2.24 in the same quarter last year.
What time does C report? Usually during market hours: the last 4 results releases reached the SEC at 9:39 am, 9:42 am, 10:21 am, 10:08 am ET.
Last report: Jul 14, 2026 (Q2 2026) — broken down in the Sankey chart below. Dates and consensus: Nasdaq / Zacks Investment Research; companies do reschedule. Who else reports this week →
All figures in $M.
Revenue
$24,766
+14%
Net income
$5,831
+45%
EPS $3.15 diluted
Verdict: Citigroup delivered its best quarterly revenue in a decade with net income up 45% to $5.8B, driven by broad-based double-digit growth across Markets, Banking and Wealth plus a lower credit-loss provision, partially offset by rising expenses and a persistent loss in All Other/Corporate.
OCF not disclosed in release; returned ~$5.0B to shareholders via buybacks and dividends this quarter; launched new $30B buyback plan and raised dividend 12%; payout ratio 92%; CET1 ratio 12.8%.
Source and notation
* marks non-cash / ≈ estimated. Source: Citigroup Inc. press release / 10-Q (SEC EDGAR).
Open the chart as a PNG image ↗ · for sharing and presentations · free to reuse, CC BY 4.0
C earnings history: past report dates
| Jan 14, 2026 Wed | 10:21 amduring market hours | Dec 31, 2025 | ≈$19.9B−0% y/y | ≈$1.21−9% y/y |
| Oct 14, 2025 Tue | 10:08 amduring market hours | Sep 30, 2025 | $22.1B+9% y/y | $1.86+23% y/y |
How we count
Report date and time — when the company filed its results press release with the SEC (Form 8-K, Item 2.02); the regular session runs 9:30 am – 4:00 pm ET. Revenue and diluted EPS — the company’s XBRL filings, EPS adjusted for stock splits; ≈ — fourth quarter derived as full year minus three quarters. Source: SEC EDGAR.
Citigroup: 5-year financials
| 2025 | 85,225 | 14,306 | −74,152 | 5,372 |
| 2024 | 80,722 | 12,682 | −26,169 | 5,199 |
| 2023 | 78,066 | 9,228 | −79,999 | 5,212 |
| 2022 | 75,338 | 14,845 | 19,437 | 5,003 |
| 2021 | 71,884 | 21,952 | 42,971 | 5,198 |
$ millions, annual 10-K reports on SEC EDGAR (US GAAP).
How we calculate
Figures are the annual report lines as filed, no adjustments. Free cash flow is operating cash flow minus capital expenditures; dividends are cash paid to common shareholders during the year. “—” means the line isn’t in the filing.
Corporate governance
1.5/2mostly good
How the company treats minority shareholders: 2 — well, 0 — systematically poorly.
More
- Aug 201310-K FY2013: the court approved a $590M settlement of the CDO shareholder suit (Aug 2013) and a $730M settlement of the suit by bond and preferred purchasers (Aug 2013). sec.gov ↗
- Feb 202610-K FY2025: shareholder suit IN RE CITIGROUP SECURITIES LITIGATION (2020) was dismissed in 2023 and leave to amend the complaint was denied — not settled; dividend $2.04 (2021) → $2.32 (2025). sec.gov ↗
Scoring: 2.0 −0.25 (criterion 9: shareholder CDO suit, $590M, approved Aug 2013 — older than 10 years, half weight) −0.25 (criterion 9: bond and preferred buyers' suit, $730M, Aug 2013 — half weight) = 1.5
- Share classes
- Single class of common stock; preferred shares are non-cumulative bank securities.
- Dilution
- Diluted shares 2,099M → 1,873M over 5 years (−10.8%); the 2009–2010 dilution (preferred exchange, share issues) is older than 15 years and not counted.
- Disclosure
- Full reporting.
- Dividends
- 2009–2014: $0.01 per share amid losses and Fed/TARP restrictions (external cause, no deduction); 2021–2025: $2.04 → $2.32.
- Lawsuits & regulators
- 2020 shareholder suit (risk controls) dismissed, appeal pending — no deduction; OCC/Fed penalties of 2020 and 2024 are bank supervision, industry matters; the $590M and $730M suits (2013) — older than 10 years, half weight; the 2010 SEC case is older than 15 years and not counted.
- Related parties
- Only ordinary-course banking services (2026 proxy).
How the score works · checked as of Sep 2026
Citigroup (C) earnings: FAQ
How does Citigroup make money?
Citigroup brought in $24.8 billion of revenue in Q2 2026, up 14% year over year. The largest source was Markets: $7.01 billion, or 28% of the total, followed by Services ($6.38B, 26%) and USCC ($4.52B, 18%); other lines add the remaining 28%. Net income for the quarter was $5.83 billion, up 45% year over year.
When is C's next earnings date?
Citigroup (C) is scheduled to report on Oct 13, 2026, before market open.
What time does C report earnings?
Citigroup is scheduled to report before market open on Oct 13, 2026. Its last results releases were filed during market hours, most recently at 9:39 am ET on Jul 14, 2026.
When did C last report earnings?
Citigroup reported Q2 2026 results on Jul 14, 2026.
What is the EPS estimate for C's next earnings?
The consensus EPS forecast is $2.70 (7 analysts), vs $2.24 in the same quarter last year.
Where can I find Citigroup's financial statements?
On SEC EDGAR: quarterly reports (10-Q), the annual report (10-K) and earnings releases (8-K). The “Verified” badge next to the chart links to C's filings; this page breaks the latest report down in a Sankey chart.
What was C's net income in Q2 2026?
Citigroup reported net income of $5,831M for Q2 2026 (+45% year over year), under US GAAP.
Does Citigroup pay dividends?
Yes. In 2025, Citigroup paid $5,372M in dividends on its common stock, per its 10-K. Earlier years are in the five-year table above.
New to earnings reports? Start with how to read an earnings report.
How this page was made: the figures come from the company's own report on SEC EDGAR; the summary and nuances were drafted by our model from that report. Figures checked against the filing on 08/25/2026. How we make the breakdowns · Report an error
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