---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-115323"
form_type: "8-K"
ticker: "C"
cik: "0000831001"
company_name: "CITIGROUP INC"
filed_at: "2026-10-13T14:09:22+00:00"
generated_at: "2026-10-13T14:10:06.965301+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%).

## SEC filing metadata
- accession: 0001104659-26-115323
- form_type: 8-K
- ticker: C
- cik: 0000831001
- company_name: CITIGROUP INC
- filed_at: 2026-10-13T14:09:22+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/831001/000110465926115323/0001104659-26-115323-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/831001/000110465926115323/c-20261013x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-115323
- JSON: https://secwatch.observer/filing/0001104659-26-115323.json
- Plain text: https://secwatch.observer/filing/0001104659-26-115323.txt

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