Citi reports Q4 EPS $1.19 (adjusted $1.81), revenue up 8% ex-Russia item; FY record revenue $85.2B

CITIGROUP INC

2025-FY EPS reported $6.99 revenue$85,225,000,000

Net income $2.5B ($1.19 diluted EPS) vs $2.9B ($1.34) in Q4 2024; adjusted net income $3.6B ex-Russia loss.
Q4 revenue $19.9B (+2% reported, +8% ex-Russia $1.2B held-for-sale loss). Full-year revenue $85.2B (+6% YoY).
CET1 ratio 13.2% (160 bps above requirement); returned $17.6B to shareholders in 2025 ($5.6B in Q4).
Services revenue +15% Q4 YoY to $5.9B; Markets -13%, USPB +5%, Wealth +8%.
CEO targets 10-11% RoTCE for 2026; full-year RoTCE 7.7% (up from 7.0% in 2024).

item 2.02item 9.01

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