---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-003604"
form_type: "8-K"
ticker: "C"
cik: "0000831001"
company_name: "CITIGROUP INC"
filed_at: "2026-01-14T23:59:59+00:00"
generated_at: "2026-05-16T10:31:50.164367+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0001104659-26-003604
- form_type: 8-K
- ticker: C
- cik: 0000831001
- company_name: CITIGROUP INC
- filed_at: 2026-01-14T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/831001/000110465926003604/0001104659-26-003604-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/831001/000110465926003604/c-20260114x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-003604
- JSON: https://secwatch.observer/filing/0001104659-26-003604.json
- Plain text: https://secwatch.observer/filing/0001104659-26-003604.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.