secwatch.observer — SEC 8-K summary
======================================

Issuer:     CITIGROUP INC (C)
CIK:        0000831001
Form:       8-K
Filed at:   2026-01-14T23:59:59+00:00
Accession:  0001104659-26-003604
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/831001/000110465926003604/0001104659-26-003604-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/831001/000110465926003604/c-20260114x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-003604

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer