Citigroup (C) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended December 2025, Citigroup (C) reported revenue of $19.87 billion, up 1.5% over the same period last year. EPS came in at $1.81, compared to $1.34 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $20.94 billion, representing a surprise of -5.13%. The company has not delivered EPS surprise, with the consensus EPS estimate being $1.65.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.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Citigroup performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Net Interest Margin (FTE): 2.5% versus 2.4% estimated by six analysts on average.Efficiency Ratio: 69.6% versus the six-analyst average estimate of 67.1%.Book value per common share: $110.01 versus $109.75 estimated by five analysts on average.Average balance - Total interest-earning assets: $2503.45 billion versus the five-analyst average estimate of $2456.06 billion.Markets Revenues, net of interest expense: $4.54 billion versus $4.5 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -0.7% change.Services Revenues- Total non-interest revenue: $1.89 billion versus $1.66 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +9.4% change.Revenue by component- Markets- Fixed Income markets- Fixed Income markets Total: $3.46 billion compared to the $3.36 billion average estimate based on two analysts. The reported number represents a change of -0.6% year over year.Wealth Revenues- Total non-interest revenue: $736 million compared to the $758.85 million average estimate based on two analysts. The reported number represents a change of -2.7% year over year.Markets Revenues- Total non-interest revenue: $1.7 billion compared to the $2.19 billion average estimate based on two analysts. The reported number represents a change of -37.5% year over year.Banking Revenues- Total non-interest revenue: $1.66 billion versus $1.39 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +130.7% change.US Personal Banking (USPB) Revenues- Total non-interest revenue: $-471 million versus $-397.92 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +89.2% change.Revenue by component- Markets- Equity Markets: $1.08 billion versus the two-analyst average estimate of $1.14 billion. The reported number represents a year-over-year change of -1.3%.View all Key Company Metrics for Citigroup here>>>Shares of Citigroup have returned +4.5% over the past month versus the Zacks S&P 500 composite's +2.1% 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.Just Released: Zacks Top 10 Stocks for 2026Hurry – you can still get in early on our 10 top tickers for 2026. Handpicked by Zacks Director of Research Sheraz Mian, this portfolio has been stunningly and consistently successful.From inception in 2012 through November, 2025, the Zacks Top 10 Stocks gained +2,530.8%, more than QUADRUPLING the S&P 500’s +570.3%.Sheraz has combed through 4,400 companies covered by the Zacks Rank and handpicked the best 10 to buy and hold in 2026. You can still be among the first to see these just-released stocks with enormous potential.See New Top 10 Stocks >>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 ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks