Citi's broad-based beat across all segments and the enhanced capital return plan ($30B buyback + 12% dividend hike) should drive positive momentum. Watch the conference call for commentary on expense trajectory and credit trends, especially in USCC and Banking.
Price Chart
Executive Summary
Citi reported Q2 2026 EPS of $3.15, beating consensus by 16% on revenue of $24.8B (4% beat). Net income rose 45% YoY to $5.8B, driven by double-digit revenue growth across all five businesses. Citi also announced a $30B share buyback plan and a 12% dividend increase, alongside a strong CET1 ratio of 12.8%.
Key Financial Metrics
Key Facts
- Diluted EPS of $3.15 vs consensus $2.71 (16% beat)
- Revenue of $24.766B vs consensus $23.73B (4% beat), up 14% YoY
- Net income of $5.831B, up 45% YoY from $4.019B
- CET1 Capital ratio of 12.8% (preliminary), up from 12.7% QoQ
- RoTCE of 13.0%, up 430 bps YoY from 8.7%
- Announced $30B share buyback plan and 12% dividend increase
- Returned ~$5.0B to common shareholders in Q2 via buybacks and dividends
- Efficiency ratio improved to 57.4% from 62.7% YoY
Financial Impact
Net income +45% YoY to $5.8B, EPS beat by 16%, $30B buyback announced
Risk Factors
- Higher operating expenses (+5% YoY) driven by compensation and volume-related costs
- Net credit losses increased 8% YoY, led by Banking and Legacy Franchises
- USCC revenue growth only 1% as partner payment costs weighed on non-interest revenue
- All Other (managed basis) net loss widened to $(923)M from $(552)M YoY
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 8 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001104659-26-083383 |
| Document: c-20260714xex99d1.htm | 0001104659-26-083383 |
| Document: c-20260714x8k.htm | 0001104659-26-083383 |
| Document: c-20260714xex99d3.htm | 0001104659-26-083383 |
| Document: 0001104659-26-083383-index-headers.html | 0001104659-26-083383 |
| Document: 0001104659-26-083383-index.html | 0001104659-26-083383 |
| Document: 0001104659-26-083383.txt | 0001104659-26-083383 |
| 8-K Data (Synthetic) | 0001104659-26-083383 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 31, 2026 4w ago | Court Ruling | $131.62 $130.80 | ▲ +0.62% | ▲ +0.44% | $127.00 (+3.51%) |
Aug 24, 2026 5w ago | Court Ruling | $131.72 $132.47 | ▲ +0.57% | ▼ −0.74% | $127.00 (−3.58%) |
Aug 20, 2026 6w ago | Court Ruling | $129.67 $131.77 | ▲ +1.62% | ▲ +1.62% | $127.00 (−2.06%) |
Aug 18, 2026 6w ago | Court Ruling | $137.65 $132.95 | ▼ −3.41% | ▼ −2.10% | $127.00 (−7.74%) |
Aug 5, 2026 8w ago | Court Ruling | $137.64 $134.34 | ▼ −2.40% | ▼ −1.80% | $127.00 (−7.73%) |
Aug 3, 2026 8w ago | 13F-HR | $133.57 $131.62 | ▼ −1.46% | ▼ −2.70% | $127.00 (−4.92%) |
Jul 30, 2026 9w ago | Court Ruling | $132.32 $132.68 | ▲ +0.27% | ▼ −3.69% | $127.00 (−4.02%) |
Jul 27, 2026 9w ago | GOVT-CONTRACT | $133.10 $131.72 | ▼ −1.04% | ▼ −4.34% | $127.00 (−4.58%) |
Jul 14, 2026 11w ago | 8-K | $133.27 $135.77 | ▲ +1.88% | ▼ −0.62% | $127.00 (−4.70%) |
Jul 2, 2026 13w ago | Court Ruling | $139.97 $132.32 | ▼ −5.47% | ▼ −5.05% | $127.00 (−9.27%) |
US Market Status
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