Correction, 18 September 2026: an earlier version of this post described April 14, 2026 as the end of the quarter. It is the date the results were reported.
What changed
$C reported results on April 14, 2026. EPS came in at $3.06, up from $1.96 in the same period a year earlier — a 56.1% year-over-year increase. Revenue grew 15.9% over the same stretch. Both figures represent the strongest top-and-bottom-line combination Citigroup has posted in recent memory, and the market has taken notice: $C has returned 60.0% over the past year.
We do not have guidance commentary from management to share at this time.
Get the ACCE weekly digest
Index returns, picks recap, score movers - every Sunday. No fluff.
What it means
The earnings picture at $C has shifted meaningfully. A 56.1% jump in EPS on top of 15.9% revenue growth signals that Citigroup is not just growing the top line — it is converting that growth into profit at a faster rate. Net margin sits at 20.4%, and earnings quality is flagged as strong in our data, which adds weight to those headline numbers.
The ACCE score for $C currently stands at 77/100. Breaking that down: Momentum leads at 97/100, Growth follows at 88/100, Quality comes in at 71/100, and Value sits at 50/100. The Momentum reading reflects what the price action has already done over the past year. The Value score at 50 is worth noting — the trailing P/E of 17.4 and forward P/E of 13.2 suggest the market is pricing in continued earnings improvement, but not at a stretched multiple. The gap between trailing and forward P/E implies analysts expect earnings to keep climbing.
ROE is 7.6%. For a bank of $C's scale — market cap $240.13B — that number is modest, and it is one reason the Value score is not higher. FCF yield is negative at -30.9%, which is common for large financial institutions where capital flows do not map cleanly onto the free-cash-flow metrics used for industrials or tech, but it is a figure worth keeping in mind.
The analyst consensus target sits at $155.85 against a current price of $138.75, implying meaningful upside from here if earnings momentum holds. The dividend yield is 1.7%.
What this quarter does not tell us is whether the revenue and EPS acceleration is structural or whether specific one-time items played a role. Without guidance commentary, the trajectory beyond this quarter is an open question. The Growth score of 88 and Momentum score of 97 suggest the market is betting on continuation — but that bet will get tested when the next set of results arrives.
For the current price and live score updates, visit acceinvestments.com/stocks/C.
ACCE scores thousands of stocks across valuation models matched to each company, with fair value, conviction and the full thesis on every name. Start free, no card required.
