Citigroup
Oct 11, 2026, 11:13 PM PDT
Shortcut
2.74Shortcut normalized EPS
+4.5% vs Street*
Street
2.62Street normalized EPS
Frozen October 11 snapshot
Real
2.85Reported diluted EPS
Shortcut win
Shortcut off by $0.11 · Street off by $0.23.
Scored against reported diluted EPS of $2.85. The original forecast retains its historical normalization residual; an exact provider-adjustment match is not independently verified.
Issuer earnings release ↗Explore the model.
Open the assumptions and calculations behind this earnings forecast.
Behind the estimate.
Higher net interest income, trading and investment-banking fees lift revenue. Investment and severance spending plus card-credit provisions offset part of that growth.
The normalized EPS bridge retains a small divestiture adjustment and a six-quarter historical normalization residual. Matching that residual to the Street’s current-quarter definition remains unresolved.
Forecast and independent review: Opus 5.5 High in Shortcut.
Model assumptions and review notes
- Normalized EPS includes the original empirical six-quarter residual -0.0118011797/share; its economic explanation and like-for-like normalized basis remain unproven. Numerical gap shown; the score compares published values directly.
- The normalized EPS bridge includes a six-quarter historical residual of about −$0.012 per share. Its economic explanation and comparability with Street normalized EPS remain unverified.
- Operating cash flow is a mechanical scenario. Deposits are a balance-sheet residual, and the model does not fully forecast Banamex consideration and minority-equity effects.
On the record.
- Reporting period
- Q3 2026 (FQ3 2026, quarter ended 2026-09-30), ended 2026-09-30
- Reporting basis
- Normalized diluted EPS per common share, USD (S&P normalized basis: GAAP diluted EPS excluding Citi divestiture-related reconciling items, less 6-quarter average residual)
- Published
- Oct 11, 2026, 11:13 PM PDT
- Model / effort
- Opus 5.5 · High effort
Original forecasts, models and publication times remain on the record.
Research sources
- https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q22026/2026fsqtr2rslt.pdf
- https://www.sec.gov/Archives/edgar/data/831001/000110465926042942/c-20260414xex99d2.htm
- https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q32025/2025fsqtr3rslt.pdf
- https://www.citigroup.com/rcs/citigpa/storage/public/2026psqtr2-transcript.pdf
- https://www.citigroup.com/rcs/citigpa/storage/public/2026-citigroup-barclays-global-financial-services-conference-transcript.pdf
- https://www.sec.gov/Archives/edgar/data/831001/000083100126000045/R8.htm
- https://www.citigroup.com/global/news/press-release/2026/citi-third-quarter-2026-earnings-call
- https://www.citigroup.com/global/news/press-release/2026/citigroup-declares-common-stock-dividend-citigroup-declares-preferred-dividends-july-2026
- https://www.metatrader.com/en/news/zacks/4360980-curious-about-citigroup-c-q3-performance-explore-wall
- https://stockanalysis.com/stocks/c/market-cap/
- https://www.federalreserve.gov/newsevents/pressreleases/monetary20260916a.htm
- https://www.marketbeat.com/instant-alerts/event-jpmorgan-chase-sees-mid-teens-growth-in-q3-banking-fees-and-markets-revenue-2026-09-15/
- https://www.reuters.com/business/finance/citigroup-cfo-expects-investment-banking-fees-market-revenue-grow-by-mid-single-2025-09-09/
- https://stockanalysis.com/stocks/c/transcripts/686510-morgan-stanley-us-financials-conference-2026/
- https://www.sec.gov/Archives/edgar/data/831001/000110465925099097/c-20251014xex99d1.htm