CITIGROUP INC

Reported 2026-07-14

BEAT

39EarnIQ signal

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Confidence rising

Mild quarter-over-quarter shift

Strong revenue growth and capital returns signal robust business momentum despite consumer card headwinds.

✓Guidance was none, with low specificity.
✓Management tone registered as confident (90/100).
✓EarnIQ detected 0 potential management deflections.

Headline–confidence gap

Headline confirmed

Management confidence reinforces the reported beat.

EPS: reported vs expected+12.7%$3.15 vs $2.80

Revenue: reported vs expected—— vs —

Guidance specificityLowChange not comparable

Market expectations supplied by Finnhub · Reported vs consensus estimate

With net income up 45%, this was Citi’s best quarterly revenue in a decade with double-digit revenue growth for the firm and in four out of our five businesses.

✦

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Guidance specificityPressure pointNarrative breakSource evidence

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