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.
Recibe el resumen semanal de ACCE
Rentabilidad de los índices, repaso de las selecciones y los mayores cambios de puntuación, cada domingo. Sin relleno.
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.
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