Citigroup Q3 2026 EPS $2.85, up 53% YoY, on $23.8B revenue (+8%); best third-quarter revenue in a decade

CITIGROUP INC

Q3 2026 net income $5.2B, or $2.85 diluted EPS, up 53% YoY; revenue $23.8B rose 8% from $22.1B, Citi's best third-quarter revenue in a decade.
Adjusted EPS up 27% ex-item; prior-year period included a $726M Banamex goodwill impairment ($714M after tax), when reported EPS was $1.86 and net income $3.8B.
Services revenue $6.6B, up 15% (TTS +16%, Securities Services +13%); Markets +6% with Equities +14%; Banking +6%; Wealth RoTCE above 14%; USCC return above 21%.
Returned $4.1B to common shareholders via buybacks and dividends; payout ratio 85%; CET1 12.8%; BVPS $115.61 (+7%), TBVPS $101.59 (+6%); ROE 10.1%.
CEO Jane Fraser expects to exceed this year's return target while pulling forward investment toward 11-13% near-term goal and 14-15% sustainable returns; provision $2.6B, expenses $14.0B (-2%).

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